Metairie, LA · Charter 7173
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.98% | -3.10% | -3.27% | -3.14% | -5.91% | -4.54% | -4.80% | -5.27% | -213 bps | |
| Return on Equity | -18.46% | -16.80% | -17.96% | -18.04% | -36.81% | -29.18% | -34.86% | -43.35% | -2,532 bps | |
| Net Interest Margin | 4.23% | 3.57% | 3.61% | 3.44% | 3.10% | 3.04% | 2.91% | 2.80% | -64 bps | |
| Efficiency Ratio | 191.73% | 183.48% | 185.35% | 186.81% | 217% | 209% | 230% | 254% | +6,744 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.93% | 7.39% | 3.99% | 7.45% | 9.05% | -4.94% | 0.95% | -0.22% | -768 bps | |
| Loan Growth (YoY) | -5.30% | -12.41% | -11.50% | -18.93% | -18.66% | -19.80% | -23.34% | -20.46% | -152 bps | |
| Share Growth (YoY) | -6.91% | 13.41% | 8.98% | 13.99% | 16.89% | -1.56% | 6.99% | 6.30% | -768 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.82% | 1.73% | 2.97% | 3.87% | 3.29% | 2.45% | 2.22% | 1.49% | -238 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 | 0.99% | 0.98% | 1.00% | 1.00% | 1.16% | 1.21% | 1.25% | 1.35% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.56% | 18.45% | 18.23% | 17.39% | 16.04% | 15.55% | 13.76% | 12.16% | -523 bps | |
| Net Worth / Assets | 21.56% | 18.45% | 18.23% | 17.39% | 16.04% | 15.55% | 13.76% | 12.16% | -523 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.73% | 69.50% | 71.07% | 62.22% | 58.96% | 56.62% | 50.93% | 46.55% | -1,566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |