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P. A.

Crowley, LA · Charter 19909

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

P. A.

Crowley, LA · Charter 19909

Q3 2010

$612KAssets
$346KLoans
$608KShares
$-8KNet Worth

Executive Summary

  • Earnings: ROA of -27.96%, down 2,856 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 21.72% of loans (+846 bps YoY).
  • Capital: net worth / assets of -1.27%, down 2,281 bps from a year ago.
  • Funding: loans stand at 56.84% of shares as of Q3 2010.

Return on Assets (YTD, annualized)

-27.96%-2,856 bps YoY

Net Interest Margin (YTD, annualized)

5.17%-55 bps YoY

Efficiency Ratio (YTD, annualized)

194.35%+11,150 bps YoY

Net Worth / Assets

-1.27%-2,281 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets1.24%0.38%0.24%0.60%0.87%-4.17%0.93%-27.96%-2,856 bps
Return on Equity5.88%1.99%1.18%2.77%3.93%-24.55%5.53%n/an/a
Net Interest Margin6.68%4.89%5.90%5.72%5.79%4.79%5.87%5.17%-55 bps
Efficiency Ratio73.26%89.87%83.04%82.85%71.14%89.09%84.21%194.35%+11,150 bps
Growth
Asset Growth (YoY)-13.30%-7.71%-10.41%1.07%0.65%-8.62%-4.78%-16.59%-1,766 bps
Loan Growth (YoY)-17.59%-15.16%-13.78%-6.18%-4.10%-6.41%-4.61%-9.48%-330 bps
Share Growth (YoY)-15.17%-9.84%-14.03%-0.43%-0.47%-6.95%-2.07%5.70%+613 bps
Asset Quality
Delinquent Loans / Loans10.24%10.15%11.33%13.26%14.72%10.13%10.80%21.72%+846 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.61%0.97%1.22%1.15%1.12%2.47%4.23%26.57%+2,542 bps
Capital
Risk-Based Capital21.11%19.35%19.98%21.54%22.07%17.00%16.85%-1.27%-2,281 bps
Net Worth / Assets21.11%19.35%19.98%21.54%22.07%17.00%16.85%-1.27%-2,281 bps
Liquidity & Funding
Loans / Shares70.87%62.68%60.35%66.38%68.29%63.04%58.79%56.84%-954 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps