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Bank of Greensburg

Greensburg, LA · Cert 1372

FDIC

Q2 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Greensburg

Greensburg, LA · Cert 1372

FDIC

Q2 2011

$87.4MAssets
$63.9MLoans
$77.6MDeposits
$9.2MEquity
Loan mix
89%RE $49.9M4%C&I $2.5M6%Consumer $3.6MQ2 2010Q2 2011
Deposit mix
79%Interest-bearing $61.5M21%Noninterest $16.1MQ2 2010Q2 2011

NIM

5.70%Q2 ’095.52%Q2 ’105.15%Q2 ’11+16%+2%

Non-interest income vs. expense

3.66%Q2 ’093.59%Q2 ’103.86%Q2 ’11+5%+9%

Executive Summary

  • Earnings: ROA of 0.51%, up 3 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.67%.
  • Funding: loans stand at 82.31% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

0.51%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.24%+9 bps YoY

Efficiency Ratio (YTD, annualized)

83.21%+445 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.48%0.72%-0.36%0.84%0.51%+3 bps
Return on Equity4.98%7.24%-3.57%8.50%5.05%+8 bps
Net Interest Margin4.15%4.29%4.40%4.24%4.24%+9 bps
Efficiency Ratio78.76%75.17%74.91%76.50%83.21%+445 bps
Non-Interest Burden3.18%3.08%3.14%3.16%3.46%+28 bps
Growth
Asset Growth (YoY)-3.28%-10.66%-9.52%-3.02%-7.69%-440 bps
Loan Growth (YoY)-10.30%-11.28%-13.35%-14.12%-12.71%-241 bps
Deposit Growth (YoY)-5.42%-13.79%-10.08%-2.88%-8.22%-280 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%-0.03%1.67%-1.17%0.67%+71 bps
Allowance / Loans1.08%1.26%1.30%1.74%1.25%+17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.47%15.10%14.72%15.31%15.81%+134 bps
Equity / Assets9.98%10.73%9.95%9.82%10.55%+56 bps
Liquidity & Funding
Loans / Deposits86.55%89.45%85.74%79.17%82.31%-423 bps
Liquid Assets / Assets3.67%2.87%6.59%4.33%3.44%-23 bps
CRE / Total Capitaln/an/an/an/an/an/an/a