Baton Rouge, LA · Charter 10367
Q4 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.27% | -0.73% | -0.24% | 1.65% | 0.78% | 0.54% | 0.55% | +79 bps | |
| Return on Equity | 4.87% | 3.70% | -10.02% | -3.11% | 27.85% | 12.91% | 9.59% | 9.44% | +1,255 bps | |
| Net Interest Margin | 4.30% | 4.59% | 4.86% | 5.44% | 5.64% | 5.38% | 5.30% | 5.14% | -30 bps | |
| Efficiency Ratio | 69.32% | 72.73% | 87.38% | 81.47% | 77.34% | 83.07% | 87.42% | 85.22% | +375 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.15% | 7.83% | 5.46% | -1.38% | -17.21% | -18.43% | -19.45% | -14.96% | -1,357 bps | |
| Loan Growth (YoY) | 22.30% | 15.67% | 8.65% | -3.19% | -20.87% | -27.65% | -30.55% | -30.28% | -2,709 bps | |
| Share Growth (YoY) | 20.85% | 5.86% | 14.43% | 0.03% | -3.96% | -6.50% | -16.67% | -12.71% | -1,274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.00% | 2.28% | 1.33% | 2.11% | 0.96% | 1.60% | 0.91% | -42 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 | 1.00% | 0.96% | 1.26% | 1.36% | 2.97% | 2.91% | 2.71% | 2.25% | +89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.20% | 7.30% | 7.23% | 7.69% | 5.93% | 6.07% | 5.64% | 5.81% | -188 bps | |
| Net Worth / Assets | 7.20% | 7.30% | 7.23% | 7.69% | 5.93% | 6.07% | 5.64% | 5.81% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.51% | 100.21% | 88.72% | 87.23% | 81.99% | 77.54% | 73.94% | 69.67% | -1,756 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |