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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

5.91%Q2 ’095.50%Q2 ’104.96%Q2 ’11+14%-4%

Non-interest income vs. expense

3.79%Q2 ’093.75%Q2 ’104.07%Q2 ’11+21%-3%

Executive Summary

  • Earnings: ROA of 0.17%, up 9 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.53%.
  • Funding: loans stand at 82.31% of deposits as of Q2 2011.

Financial Results

Return on Assets (quarter, annualized)

0.17%+9 bps YoY

Net Interest Margin (quarter, annualized)

4.09%-19 bps YoY

Efficiency Ratio (quarter, annualized)

90.30%+253 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.08%1.21%-3.76%0.84%0.17%+9 bps
Return on Equity0.76%11.69%-36.36%8.50%1.66%+90 bps
Net Interest Margin4.28%4.48%4.41%4.24%4.09%-19 bps
Efficiency Ratio87.77%69.02%74.14%76.50%90.30%+253 bps
Non-Interest Burden3.75%2.81%3.09%3.16%3.65%-10 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-0.20%-0.01%6.79%-1.17%2.53%+273 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