Shreveport, LA · Charter 7600
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Shreveport, LA · Charter 7600
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.13% | 3.43% | 3.62% | 3.80% | 3.18% | -0.04% | -2.18% | -1.12% | -492 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -12.28% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.40% | 4.96% | 5.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 92.23% | 102.77% | 100.73% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | 7.61% | 16.81% | 26.17% | 5.68% | 6.01% | -16.58% | -21.66% | -4,783 bps | |
| Loan Growth (YoY) | 13.45% | 4.63% | 6.30% | -7.28% | -1.12% | -5.70% | -22.75% | -13.76% | -648 bps | |
| Share Growth (YoY) | -2.97% | 6.87% | 18.67% | 33.64% | 8.02% | 9.18% | -16.20% | -23.13% | -5,677 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 3.65% | 1.70% | 3.78% | 6.47% | 10.15% | 4.95% | 5.01% | +123 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 | 1.26% | 1.36% | 1.35% | 1.41% | 0.85% | 1.60% | 1.82% | 1.70% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.14% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.14% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.92% | 80.22% | 75.55% | 70.97% | 83.22% | 69.29% | 69.64% | 79.62% | +865 bps | |
| Liquid Assets / Assets | 11.94% | 18.46% | 23.58% | 23.35% | 17.20% | 0.01% | 0.00% | 23.35% | 0 bps | |