Lafayette, LA · Charter 12598
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Lafayette, LA · Charter 12598
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.78% | -4.11% | -4.05% | -5.98% | -3.63% | -4.44% | -6.73% | -4.76% | +122 bps | |
| Return on Equity | -34.88% | -41.91% | -45.59% | -81.76% | -52.57% | -77.34% | -244% | -278% | -19,614 bps | |
| Net Interest Margin | 3.66% | 3.45% | 3.42% | 4.05% | 3.87% | 4.21% | 4.34% | 5.05% | +99 bps | |
| Efficiency Ratio | 200% | 204% | 202% | 171.55% | 147.41% | 146.92% | 112.05% | 160.65% | -1,090 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.60% | -6.67% | -3.01% | -2.12% | 0.27% | -2.35% | -6.42% | -11.97% | -985 bps | |
| Loan Growth (YoY) | -33.21% | -26.12% | -8.14% | 1.52% | 13.86% | 23.87% | -8.32% | 1.04% | -48 bps | |
| Share Growth (YoY) | -6.65% | -5.43% | 1.01% | 2.32% | 4.46% | 1.92% | -0.13% | -6.39% | -871 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.19% | 21.67% | 12.40% | 12.98% | 13.68% | 9.66% | 6.44% | 1.36% | -1,162 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 | 12.09% | 11.32% | 7.29% | 7.75% | 7.96% | 5.45% | 11.62% | 10.75% | +300 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.83% | 9.82% | 8.88% | 7.32% | 6.90% | 5.74% | 2.76% | 1.71% | -560 bps | |
| Net Worth / Assets | 10.83% | 9.82% | 8.88% | 7.32% | 6.90% | 5.74% | 2.76% | 1.71% | -560 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.65% | 38.18% | 44.04% | 40.54% | 38.85% | 46.41% | 40.43% | 43.75% | +322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |