Mamou, LA · Cert 16928
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.81% | 1.11% | 0.62% | 0.76% | 0.80% | 0.76% | -0.25% | -87 bps | |
| Return on Equity | 3.62% | 7.76% | 10.17% | 5.61% | 7.20% | 7.56% | 6.99% | -2.32% | -793 bps | |
| Net Interest Margin | 2.93% | 3.51% | 3.75% | 3.54% | 3.31% | 3.21% | 3.26% | 3.08% | -46 bps | |
| Efficiency Ratio | 87.80% | 73.46% | 64.35% | 79.53% | 72.39% | 69.87% | 71.61% | 113.21% | +3,369 bps | |
| Non-Interest Burden | 2.52% | 2.47% | 2.26% | 2.72% | 2.31% | 2.13% | 2.22% | 3.55% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.27% | 4.79% | 9.46% | 7.73% | 12.62% | 13.36% | 7.32% | 5.79% | -194 bps | |
| Loan Growth (YoY) | -2.82% | -5.25% | -4.70% | -5.46% | 2.32% | 0.62% | -0.65% | -4.51% | +95 bps | |
| Deposit Growth (YoY) | 6.56% | 4.30% | 8.76% | 6.39% | 11.96% | 12.96% | 7.62% | 6.09% | -30 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 | 0.73% | 0.00% | 0.00% | 0.01% | 0.05% | -0.02% | -0.01% | 0.10% | +9 bps | |
| Allowance / Loans | 1.68% | 1.61% | 1.61% | 1.68% | 1.62% | 1.60% | 1.61% | 1.73% | +5 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 | 22.08% | 21.37% | 21.75% | 22.71% | 22.92% | 22.86% | 23.39% | 25.62% | +292 bps | |
| Equity / Assets | 10.15% | 10.67% | 11.19% | 10.91% | 10.36% | 10.75% | 11.05% | 10.84% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.45% | 59.93% | 58.38% | 54.50% | 52.50% | 53.38% | 53.89% | 49.05% | -545 bps | |
| Liquid Assets / Assets | 23.21% | 12.89% | 14.60% | 18.94% | 24.44% | 24.29% | 23.54% | 29.48% | +1,054 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |