Amite, LA · Cert 25720
FDIC
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Amite, LA · Cert 25720
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.25% | 1.89% | 1.79% | 1.71% | 1.98% | 1.69% | 1.52% | 1.46% | -25 bps | |
| Return on Equity | 32.14% | 25.44% | 24.35% | 23.14% | 26.27% | 20.17% | 18.13% | 17.23% | -591 bps | |
| Net Interest Margin | 4.99% | 4.74% | 4.62% | 4.64% | 4.59% | 4.54% | 4.57% | 4.67% | +3 bps | |
| Efficiency Ratio | 56.86% | 62.13% | 64.09% | 65.80% | 65.69% | 66.00% | 69.44% | 71.22% | +542 bps | |
| Non-Interest Burden | 2.48% | 2.62% | 2.67% | 2.77% | 2.72% | 2.71% | 2.92% | 3.08% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.95% | 8.83% | 7.57% | 5.60% | 5.07% | -0.83% | -5.58% | -4.96% | -1,056 bps | |
| Loan Growth (YoY) | 1.08% | 1.34% | 4.95% | 1.59% | 5.47% | 7.02% | 3.80% | 3.54% | +195 bps | |
| Deposit Growth (YoY) | 6.86% | 8.06% | 7.05% | 3.22% | 4.14% | -2.23% | -7.90% | -7.35% | -1,057 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 | 0.28% | -0.01% | 0.07% | 0.03% | 0.05% | -0.06% | 0.00% | 0.04% | +1 bps | |
| Allowance / Loans | 1.50% | 1.56% | 1.53% | 1.63% | 1.27% | 1.29% | 1.30% | 1.30% | -33 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 | 12.38% | 12.25% | 12.07% | 12.29% | 12.61% | 12.60% | 12.57% | 12.85% | +56 bps | |
| Equity / Assets | 7.50% | 7.37% | 7.16% | 7.51% | 8.16% | 8.61% | 8.47% | 8.57% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.22% | 76.18% | 77.96% | 78.24% | 80.23% | 83.38% | 87.86% | 87.44% | +920 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.01% | 0.05% | 0.05% | 0.06% | 0.08% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |