Shreveport, LA · Charter 16034
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Shreveport, LA · Charter 16034
Q3 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.84% | -0.73% | -0.08% | 1.55% | -5.69% | -485 bps | |
| Return on Equity | -2.57% | -2.15% | -0.25% | 4.39% | -19.18% | -1,661 bps | |
| Net Interest Margin | 4.28% | 4.45% | 4.35% | 4.27% | 1.02% | -326 bps | |
| Efficiency Ratio | 94.74% | 93.28% | 94.00% | 69.47% | 233% | +13,819 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.32% | -6.94% | -4.64% | -7.78% | -5.32% | -100 bps | |
| Loan Growth (YoY) | -19.59% | -19.44% | -20.19% | -20.86% | -19.63% | -5 bps | |
| Share Growth (YoY) | -5.63% | -9.26% | -5.07% | -11.35% | -4.55% | +108 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.74% | 2.97% | 2.11% | 1.48% | 3.27% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.80% | 2.05% | 1.76% | 5.00% | +348 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.88% | 34.07% | 33.41% | 35.32% | 29.67% | -320 bps | |
| Net Worth / Assets | 32.88% | 34.07% | 33.41% | 35.32% | 29.67% | -320 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.41% | 76.97% | 71.26% | 72.18% | 65.18% | -1,224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |