Arabi, LA · Charter 7574
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Arabi, LA · Charter 7574
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 2.40% | 2.36% | 1.41% | 1.01% | 0.96% | 1.70% | -5.16% | -657 bps | |
| Return on Equity | 9.35% | 20.95% | 18.77% | 10.88% | 7.56% | 7.73% | 12.78% | -67.48% | -7,837 bps | |
| Net Interest Margin | 2.16% | 9.18% | 7.59% | 6.19% | 2.10% | 1.84% | 2.44% | 2.64% | -355 bps | |
| Efficiency Ratio | 67.99% | 80.30% | 76.44% | 72.33% | 63.53% | 62.46% | 47.06% | 241% | +16,830 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.37% | 10.68% | -3.77% | -16.99% | -19.93% | -4.02% | 0.07% | 3.56% | +2,055 bps | |
| Loan Growth (YoY) | -23.11% | -31.02% | -29.86% | -23.23% | -8.74% | -8.91% | -8.76% | -13.25% | +998 bps | |
| Share Growth (YoY) | 17.67% | 11.60% | -5.04% | -20.51% | -23.68% | -6.19% | -1.79% | 7.71% | +2,822 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.47% | 5.36% | 4.73% | 2.79% | 2.15% | 0.80% | 0.59% | 1.30% | -149 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 | 1.17% | 1.27% | 1.28% | 1.99% | 1.87% | 0.96% | 0.76% | 1.99% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.24% | 11.44% | 12.56% | 12.95% | 13.37% | 12.45% | 13.31% | 7.64% | -531 bps | |
| Net Worth / Assets | 10.24% | 11.44% | 12.56% | 12.95% | 13.37% | 12.45% | 13.31% | 7.64% | -531 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.67% | 29.17% | 30.97% | 33.14% | 34.28% | 28.32% | 28.77% | 26.69% | -645 bps | |
| Liquid Assets / Assets | 70.61% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |