Greensburg, LA · Cert 1372
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.
Greensburg, LA · Cert 1372
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 | -0.63% | -0.79% | 0.89% | 0.48% | 0.72% | -0.36% | 0.84% | 0.51% | +3 bps | |
| Return on Equity | -7.97% | -9.64% | 9.23% | 4.98% | 7.24% | -3.57% | 8.50% | 5.05% | +8 bps | |
| Net Interest Margin | 3.55% | 3.55% | 3.92% | 4.15% | 4.29% | 4.40% | 4.24% | 4.24% | +9 bps | |
| Efficiency Ratio | 84.12% | 88.73% | 70.79% | 78.76% | 75.17% | 74.91% | 76.50% | 83.21% | +445 bps | |
| Non-Interest Burden | 2.89% | 3.11% | 2.54% | 3.18% | 3.08% | 3.14% | 3.16% | 3.46% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.98% | 3.02% | -2.99% | -3.28% | -10.66% | -9.52% | -3.02% | -7.69% | -440 bps | |
| Loan Growth (YoY) | 14.10% | 3.89% | -2.75% | -10.30% | -11.28% | -13.35% | -14.12% | -12.71% | -241 bps | |
| Deposit Growth (YoY) | 15.85% | 7.30% | -5.28% | -5.42% | -13.79% | -10.08% | -2.88% | -8.22% | -280 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 | 1.07% | 1.59% | 0.10% | -0.05% | -0.03% | 1.67% | -1.17% | 0.67% | +71 bps | |
| Allowance / Loans | 1.09% | 0.70% | 0.85% | 1.08% | 1.26% | 1.30% | 1.74% | 1.25% | +17 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 | 11.02% | 12.93% | 13.51% | 14.47% | 15.10% | 14.72% | 15.31% | 15.81% | +134 bps | |
| Equity / Assets | 7.51% | 9.33% | 9.88% | 9.98% | 10.73% | 9.95% | 9.82% | 10.55% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.92% | 88.98% | 89.53% | 86.55% | 89.45% | 85.74% | 79.17% | 82.31% | -423 bps | |
| Liquid Assets / Assets | 1.96% | 2.03% | 2.10% | 3.67% | 2.87% | 6.59% | 4.33% | 3.44% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |