Farmerville, LA · Cert 12606
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Farmerville, LA · Cert 12606
FDIC
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.68% | 0.58% | 0.62% | 0.62% | 0.36% | 0.43% | 0.60% | -2 bps | |
| Return on Equity | 4.08% | 5.60% | 4.71% | 4.97% | 4.93% | 2.83% | 3.38% | 4.62% | -35 bps | |
| Net Interest Margin | 2.54% | 2.34% | 2.58% | 2.66% | 2.74% | 2.65% | 2.82% | 2.98% | +32 bps | |
| Efficiency Ratio | 83.34% | 87.32% | 83.10% | 72.94% | 74.24% | 88.41% | 84.77% | 76.45% | +351 bps | |
| Non-Interest Burden | 2.05% | 1.99% | 2.07% | 1.74% | 1.87% | 2.29% | 2.34% | 2.19% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.12% | -0.74% | -3.32% | -2.47% | -3.35% | -2.87% | -2.38% | -1.19% | +128 bps | |
| Loan Growth (YoY) | -7.66% | -9.30% | -11.68% | -8.75% | -7.89% | -8.82% | -6.23% | -7.14% | +161 bps | |
| Deposit Growth (YoY) | 0.31% | -1.14% | -4.16% | -3.30% | -4.25% | -3.01% | -2.74% | -1.74% | +156 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.15% | 0.22% | 0.34% | 0.28% | -0.02% | 0.10% | 0.12% | -21 bps | |
| Allowance / Loans | 0.67% | 0.59% | 0.67% | 0.86% | 0.90% | 0.86% | 0.91% | 0.89% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 21.81% | 21.04% | 22.21% | 22.65% | 23.67% | 23.02% | 24.07% | 19.37% | -327 bps | |
| Equity / Assets | 12.06% | 12.36% | 12.76% | 12.68% | 12.85% | 12.52% | 13.09% | 13.17% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.96% | 54.22% | 51.64% | 51.18% | 49.03% | 50.97% | 49.79% | 48.37% | -281 bps | |
| Liquid Assets / Assets | 6.98% | 6.43% | 5.38% | 4.55% | 4.42% | 4.31% | 4.71% | 3.61% | -95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |