Avery Island, LA · Charter 23383
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.26% | -3.92% | -5.26% | -1.45% | -0.25% | -0.49% | -0.82% | -5.43% | -399 bps | |
| Return on Equity | -29.25% | -39.28% | -72.96% | -22.47% | -3.91% | -8.03% | -12.76% | -103.97% | -8,150 bps | |
| Net Interest Margin | 1.29% | 1.47% | 1.38% | 2.47% | 2.66% | 2.65% | 2.97% | 3.61% | +113 bps | |
| Efficiency Ratio | 228% | 329% | 893% | 152.45% | 107.57% | 115.29% | 123.05% | 226% | +7,348 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.73% | -2.05% | -2.14% | -11.95% | -5.42% | -3.93% | -12.89% | -7.70% | +425 bps | |
| Loan Growth (YoY) | -13.04% | -14.08% | -4.17% | 15.46% | 32.56% | 54.09% | 55.76% | -3.20% | -1,866 bps | |
| Share Growth (YoY) | -4.38% | 0.61% | 2.88% | -7.08% | -0.26% | 1.12% | -2.56% | -4.69% | +240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 21.46% | 18.15% | 15.74% | 3.38% | 2.20% | 2.31% | 5.82% | 5.99% | +260 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 | 2.09% | 1.23% | 1.69% | 1.45% | 1.44% | 1.43% | 0.67% | 1.48% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.13% | 9.99% | 7.22% | 6.44% | 6.34% | 6.09% | 6.42% | 5.23% | -122 bps | |
| Net Worth / Assets | 11.13% | 9.99% | 7.22% | 6.44% | 6.34% | 6.09% | 6.42% | 5.23% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.03% | 28.18% | 27.71% | 42.24% | 43.90% | 42.95% | 44.29% | 42.90% | +66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |