Hammond, LA · Cert 19657
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Hammond, LA · Cert 19657
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -0.82% | -0.46% | -0.74% | -3.71% | -0.47% | -6.89% | -6.53% | -579 bps | |
| Return on Equity | -3.73% | -9.28% | -5.18% | -8.52% | -46.13% | -8.86% | -161.67% | -192.87% | -18,435 bps | |
| Net Interest Margin | 2.78% | 2.37% | 2.77% | 2.79% | 2.57% | 2.39% | 2.51% | 2.63% | -16 bps | |
| Efficiency Ratio | 123.33% | 135.31% | 117.74% | 125.38% | 154.83% | 112.07% | 188.61% | 203% | +7,806 bps | |
| Non-Interest Burden | 3.74% | 3.61% | 3.49% | 3.83% | 4.67% | 2.86% | 6.00% | 6.88% | +305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.54% | -2.37% | -3.97% | -1.29% | -2.86% | -1.89% | -5.52% | -8.07% | -678 bps | |
| Loan Growth (YoY) | -22.94% | -19.24% | -12.04% | -11.67% | -7.80% | -6.72% | -5.59% | -6.96% | +470 bps | |
| Deposit Growth (YoY) | -2.03% | -0.50% | -2.91% | -0.45% | 1.19% | 2.12% | 1.72% | -2.11% | -167 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 | 4.59% | 0.20% | 0.54% | 0.26% | 2.14% | 0.14% | 0.68% | 3.52% | +326 bps | |
| Allowance / Loans | 4.54% | 4.64% | 4.42% | 4.70% | 2.95% | 2.96% | 5.38% | 3.37% | -133 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 | 10.26% | 10.01% | 10.30% | 9.49% | 8.07% | 7.97% | 3.87% | 1.64% | -785 bps | |
| Equity / Assets | 8.81% | 8.79% | 8.91% | 8.36% | 5.30% | 5.26% | 2.10% | 0.64% | -772 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.98% | 74.43% | 75.90% | 72.42% | 68.32% | 67.99% | 70.44% | 68.83% | -359 bps | |
| Liquid Assets / Assets | 13.12% | 12.21% | 8.72% | 10.37% | 10.68% | 10.92% | 7.63% | 10.83% | +46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |