Pineville, LA · Charter 20532
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Pineville, LA · Charter 20532
Q4 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.26% | -0.08% | -0.10% | -0.95% | -81 bps | |
| Return on Equity | -0.45% | 0.90% | -0.28% | -0.37% | -2.80% | -234 bps | |
| Net Interest Margin | 4.01% | 3.41% | 3.29% | 3.45% | 4.06% | +5 bps | |
| Efficiency Ratio | 114.32% | 103.10% | 83.29% | 89.87% | 108.57% | -576 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.75% | 2.40% | 4.65% | 6.83% | -9.35% | -1,110 bps | |
| Loan Growth (YoY) | -17.20% | 0.07% | 8.20% | 39.16% | 45.35% | +6,254 bps | |
| Share Growth (YoY) | -0.20% | 2.82% | 6.03% | 9.11% | -12.90% | -1,270 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.30% | 4.83% | 1.23% | 4.44% | 2.55% | -276 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.25% | 4.77% | 3.40% | 2.98% | 0.43% | -582 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.21% | 29.24% | 28.18% | 28.21% | 34.11% | +290 bps | |
| Net Worth / Assets | 31.21% | 29.24% | 28.18% | 28.21% | 34.11% | +290 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.55% | 64.03% | 61.20% | 70.12% | 94.37% | +3,782 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |