Baton Rouge, LA · Charter 19592
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 19592
Q3 2010
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 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | -3.23% | -2.42% | -0.55% | -0.86% | -2.01% | -29.09% | -8.59% | -804 bps | |
| Return on Equity | -4.16% | -19.26% | -14.83% | -3.23% | -5.10% | -12.84% | -275% | -72.26% | -6,902 bps | |
| Net Interest Margin | 2.90% | 2.15% | 2.16% | 1.63% | 1.49% | 1.45% | 1.42% | 1.09% | -54 bps | |
| Efficiency Ratio | 126.54% | 182.18% | 182.24% | 133.09% | 156.74% | 227% | 211% | 349% | +21,582 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.99% | -3.12% | -2.49% | -1.12% | -2.26% | -1.36% | -6.38% | -11.41% | -1,029 bps | |
| Loan Growth (YoY) | -1.17% | -10.06% | -27.05% | -18.05% | -14.81% | 4.87% | -65.28% | -79.49% | -6,144 bps | |
| Share Growth (YoY) | -0.86% | -0.99% | 0.35% | 1.91% | 0.36% | 0.97% | -0.10% | -6.18% | -808 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 65.71% | 59.87% | 59.87% | 51.00% | 63.39% | 60.91% | 0.00% | 51.53% | +53 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 | 28.72% | 27.69% | 27.69% | 29.81% | 30.92% | 29.71% | 100.00% | 64.29% | +3,448 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.03% | 16.79% | 16.29% | 17.04% | 16.86% | 15.70% | 10.56% | 11.89% | -516 bps | |
| Net Worth / Assets | 19.03% | 16.79% | 16.29% | 17.04% | 16.86% | 15.70% | 10.56% | 11.89% | -516 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.68% | 15.00% | 15.00% | 15.43% | 15.01% | 15.57% | 5.21% | 3.37% | -1,206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |