Baton Rouge, LA · Charter 14477
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Baton Rouge, LA · Charter 14477
Q1 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.95% | -1.50% | -1.46% | -0.66% | -0.99% | -1.34% | -1.17% | -5.97% | -530 bps | |
| Return on Equity | -6.71% | -11.44% | -12.51% | -5.67% | -8.85% | -13.23% | -10.46% | -71.49% | -6,582 bps | |
| Net Interest Margin | 2.93% | 2.67% | 2.41% | 2.15% | 2.01% | 1.83% | 1.90% | -1.29% | -344 bps | |
| Efficiency Ratio | 108.22% | 183.70% | 168.76% | 128.78% | 144.52% | 166.64% | 155.36% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.64% | 1.90% | 3.05% | 12.84% | 8.57% | 7.52% | -7.62% | 8.79% | -405 bps | |
| Loan Growth (YoY) | -1.73% | -5.77% | -17.75% | -28.45% | -35.44% | -38.50% | -35.25% | -37.27% | -882 bps | |
| Share Growth (YoY) | 5.04% | 3.21% | 5.69% | 18.62% | 13.59% | 11.86% | -6.54% | 13.60% | -501 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.32% | 0.68% | 5.18% | 4.49% | +446 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.32% | 0.29% | 0.33% | 0.37% | 0.14% | 0.17% | 1.16% | +83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.17% | 13.09% | 11.68% | 11.70% | 11.15% | 10.16% | 11.17% | 8.34% | -335 bps | |
| Net Worth / Assets | 14.17% | 13.09% | 11.68% | 11.70% | 11.15% | 10.16% | 11.17% | 8.34% | -335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.39% | 47.48% | 39.88% | 36.50% | 31.48% | 26.10% | 27.63% | 20.16% | -1,635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |