Melville, LA · Cert 13170
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | -0.88% | -0.63% | -1.39% | -1.98% | -189 bps | |
| Return on Equity | -0.81% | -7.75% | -5.40% | -12.28% | -18.42% | -1,761 bps | |
| Net Interest Margin | 3.20% | 3.50% | 3.06% | 2.65% | 2.27% | -93 bps | |
| Efficiency Ratio | 82.18% | 114.66% | 141.67% | 125.00% | 166.67% | +8,449 bps | |
| Non-Interest Burden | 2.40% | 4.28% | 4.71% | 4.03% | 4.30% | +190 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.39% | 4.08% | -6.83% | -0.03% | -7.09% | -371 bps | |
| Loan Growth (YoY) | -7.50% | -35.38% | -35.00% | -38.15% | -37.99% | -3,050 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 3.36% | -0.86% | -3.57% | -0.32% | -0.96% | -432 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 38.98% | 38.69% | 39.62% | 38.82% | 36.34% | -264 bps | |
| Equity / Assets | 11.24% | 11.37% | 12.01% | 10.67% | 10.88% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.97% | 37.10% | 38.53% | 31.75% | 34.60% | -1,737 bps | |
| Liquid Assets / Assets | 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 |