New Orleans, LA · Charter 7049
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Orleans, LA · Charter 7049
Q1 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 0.72% | 0.34% | 0.57% | 0.78% | 0.89% | 1.03% | 0.93% | +36 bps | |
| Return on Equity | 7.31% | 3.74% | 1.59% | 2.90% | 3.93% | 4.47% | 4.79% | 4.65% | +175 bps | |
| Net Interest Margin | 3.85% | 3.56% | 3.93% | 3.72% | 3.83% | 3.92% | 4.32% | 4.36% | +64 bps | |
| Efficiency Ratio | 74.86% | 79.40% | 84.09% | 86.96% | 83.64% | 82.77% | 81.76% | 82.40% | -456 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 4.72% | 3.60% | 1.90% | -1.06% | -2.01% | 3.67% | 3.98% | +208 bps | |
| Loan Growth (YoY) | -16.15% | -21.89% | -27.56% | -17.95% | -5.75% | 24.55% | 36.59% | 36.48% | +5,442 bps | |
| Share Growth (YoY) | 3.98% | 3.54% | 3.89% | 1.14% | -1.34% | -2.36% | 2.12% | 2.90% | +176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.68% | 0.69% | 0.40% | 0.01% | 0.20% | 0.05% | 0.05% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.49% | 0.78% | 0.84% | 0.90% | 0.84% | 0.77% | 0.84% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.01% | 19.26% | 21.18% | 19.78% | 19.91% | 19.81% | 21.46% | 20.06% | +29 bps | |
| Net Worth / Assets | 20.01% | 19.26% | 21.18% | 19.78% | 19.91% | 19.81% | 21.46% | 20.06% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.25% | 54.67% | 58.50% | 55.74% | 59.47% | 69.74% | 78.24% | 73.93% | +1,819 bps | |
| Liquid Assets / Assets | 36.47% | 43.01% | 38.18% | 42.22% | 25.65% | 22.17% | 17.40% | 22.21% | -2,001 bps | |