Crowley, LA · Charter 19909
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 | 1.24% | 0.38% | 0.24% | 0.60% | 0.87% | -4.17% | 0.93% | -27.96% | -2,856 bps | |
| Return on Equity | 5.88% | 1.99% | 1.18% | 2.77% | 3.93% | -24.55% | 5.53% | n/a | n/a | |
| Net Interest Margin | 6.68% | 4.89% | 5.90% | 5.72% | 5.79% | 4.79% | 5.87% | 5.17% | -55 bps | |
| Efficiency Ratio | 73.26% | 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 / Loans | 10.24% | 10.15% | 11.33% | 13.26% | 14.72% | 10.13% | 10.80% | 21.72% | +846 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 | 2.61% | 0.97% | 1.22% | 1.15% | 1.12% | 2.47% | 4.23% | 26.57% | +2,542 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.11% | 19.35% | 19.98% | 21.54% | 22.07% | 17.00% | 16.85% | -1.27% | -2,281 bps | |
| Net Worth / Assets | 21.11% | 19.35% | 19.98% | 21.54% | 22.07% | 17.00% | 16.85% | -1.27% | -2,281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.87% | 62.68% | 60.35% | 66.38% | 68.29% | 63.04% | 58.79% | 56.84% | -954 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |