Melville, LA · Cert 13170
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Melville, LA · Cert 13170
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.66% | -0.68% | -2.41% | -1.24% | -1.12% | -1.01% | -1.39% | -1.71% | -47 bps | |
| Return on Equity | -5.55% | -5.68% | -20.43% | -10.71% | -9.74% | -8.68% | -12.28% | -15.32% | -462 bps | |
| Net Interest Margin | 3.71% | 3.85% | 3.04% | 3.12% | 3.31% | 3.31% | 2.65% | 2.49% | -63 bps | |
| Efficiency Ratio | 116.67% | 118.07% | 161.18% | 118.28% | 116.89% | 122.28% | 125.00% | 139.66% | +2,139 bps | |
| Non-Interest Burden | 4.48% | 4.72% | 5.37% | 3.87% | 4.09% | 4.32% | 4.03% | 4.21% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.93% | -8.20% | -11.10% | -3.39% | 4.08% | -6.83% | -0.03% | -7.09% | -371 bps | |
| Loan Growth (YoY) | 62.05% | 8.37% | -0.47% | -7.50% | -35.38% | -35.00% | -38.15% | -37.99% | -3,050 bps | |
| Deposit Growth (YoY) | -7.81% | -8.38% | -11.31% | -2.77% | 6.09% | -6.55% | 0.91% | -6.86% | -408 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 | 0.28% | 0.34% | -0.20% | 1.58% | 1.24% | 0.07% | -0.32% | -0.64% | -222 bps | |
| Allowance / Loans | 1.83% | 1.79% | 1.90% | 1.53% | 2.51% | 2.68% | 3.00% | 3.19% | +166 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 | 35.00% | 38.20% | 37.00% | 38.98% | 38.69% | 39.62% | 38.82% | 36.34% | -264 bps | |
| Equity / Assets | 12.93% | 12.22% | 11.34% | 11.24% | 11.37% | 12.01% | 10.67% | 10.88% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.91% | 55.39% | 51.80% | 51.97% | 37.10% | 38.53% | 31.75% | 34.60% | -1,737 bps | |
| Liquid Assets / Assets | 33.97% | 33.80% | 33.01% | 30.60% | 30.43% | 28.87% | 30.62% | 24.15% | -645 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |