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Statewide Bank

Terrytown, LA · Cert 29561

FDIC

Q4 2009

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: 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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), 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

Statewide Bank

Terrytown, LA · Cert 29561

FDIC

Q4 2009

$243.2MAssets
$156.8MLoans
$207.8MDeposits
$13.6MEquity
Loan mix
90%RE $113.8M9%C&I $11.8M0%Consumer $0.5MQ4 2008Q4 2009
Deposit mix
93%Interest-bearing $193.7M7%Noninterest $14.2MQ4 2008Q4 2009

NIM

7.17%Q4 ’076.87%Q4 ’085.84%Q4 ’09-3%-9%

Non-interest income vs. expense

3.94%Q4 ’074.49%Q4 ’084.15%Q4 ’09-18%+26%

Executive Summary

  • Earnings: ROA of -3.66%, down 336 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.65%.
  • Funding: loans stand at 75.43% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-3.66%-336 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-31 bps YoY

Efficiency Ratio (YTD, annualized)

101.76%+2,248 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-0.31%0.64%-2.99%-3.77%-3.66%-336 bps
Return on Equity-4.73%8.07%-39.06%-51.74%-52.63%-4,790 bps
Net Interest Margin3.70%3.14%3.17%3.30%3.38%-31 bps
Efficiency Ratio79.28%74.73%88.81%95.99%101.76%+2,248 bps
Non-Interest Burden2.74%2.00%2.72%3.14%3.45%+71 bps
Growth
Asset Growth (YoY)-3.74%-2.72%-6.62%-5.03%-11.63%-789 bps
Loan Growth (YoY)-9.15%-13.40%-15.01%-15.27%-16.71%-756 bps
Deposit Growth (YoY)-9.68%-9.66%-3.72%0.05%-5.24%+444 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.31%1.55%2.38%2.11%3.65%+333 bps
Allowance / Loans2.20%1.90%2.27%3.58%3.43%+124 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.06%10.87%8.19%5.42%3.21%-685 bps
Equity / Assets7.66%8.11%7.18%6.06%5.58%-208 bps
Liquidity & Funding
Loans / Deposits85.81%82.71%84.33%77.06%75.43%-1,038 bps
Liquid Assets / Assets8.74%11.29%3.06%4.24%3.42%-532 bps
CRE / Total Capitaln/an/an/an/an/an/an/a