Welsh, LA · Cert 19594
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Welsh, LA · Cert 19594
FDIC
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.80% | 0.76% | 0.89% | 1.22% | 1.13% | 1.15% | 1.22% | +34 bps | |
| Return on Equity | 5.24% | 4.90% | 4.67% | 5.38% | 7.33% | 6.71% | 6.90% | 7.20% | +182 bps | |
| Net Interest Margin | 3.77% | 3.84% | 4.18% | 4.32% | 4.61% | 4.52% | 4.39% | 4.47% | +16 bps | |
| Efficiency Ratio | 74.80% | 78.09% | 79.86% | 74.22% | 68.47% | 72.11% | 70.75% | 69.26% | -496 bps | |
| Non-Interest Burden | 2.55% | 2.75% | 3.11% | 2.88% | 2.70% | 2.91% | 2.77% | 2.75% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.49% | 20.54% | 17.11% | 8.36% | -7.87% | 0.85% | 0.62% | -2.95% | -1,131 bps | |
| Loan Growth (YoY) | 37.22% | 15.08% | 16.09% | 1.22% | -1.34% | 5.00% | 0.73% | 6.06% | +485 bps | |
| Deposit Growth (YoY) | 24.82% | 25.11% | 20.84% | 17.00% | -5.32% | 0.42% | 0.46% | -3.56% | -2,057 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 | 0.09% | 0.66% | 0.66% | 0.51% | 0.38% | -0.06% | -0.09% | -0.08% | -59 bps | |
| Allowance / Loans | 1.73% | 1.65% | 1.38% | 1.59% | 1.57% | 1.56% | 1.56% | 1.56% | -3 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 | 22.01% | 21.96% | 21.38% | 22.54% | 21.74% | 21.17% | 21.41% | 22.11% | -43 bps | |
| Equity / Assets | 16.40% | 16.25% | 16.23% | 16.93% | 17.38% | 16.31% | 16.48% | 17.75% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.80% | 68.14% | 72.05% | 70.98% | 77.95% | 71.25% | 72.24% | 78.06% | +709 bps | |
| Liquid Assets / Assets | 4.96% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |