Terrytown, LA · Cert 29561
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.74% | 0.86% | -4.65% | 4.32%1 | 0.64% | -6.74% | -5.44% | -3.32% | -764 bps | |
| Return on Equity | -27.62% | 15.33% | -77.05% | 60.75% | 8.07% | -87.88% | -82.18% | -56.99% | -11,775 bps | |
| Net Interest Margin | 3.84% | 3.67% | 3.49% | 2.99% | 3.14% | 3.14% | 3.31% | 3.29% | +30 bps | |
| Efficiency Ratio | 96.70% | 45.08% | 119.53% | 119.07% | 74.73% | 107.07% | 112.22% | 121.25% | +218 bps | |
| Non-Interest Burden | 3.73% | -0.86% | 4.13% | 3.63% | 2.00% | 3.39% | 3.76% | 4.08% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.02% | 3.22% | -9.12% | -3.74% | -2.72% | -6.62% | -5.03% | -11.63% | -789 bps | |
| Loan Growth (YoY) | 29.58% | 15.66% | -4.63% | -9.15% | -13.40% | -15.01% | -15.27% | -16.71% | -756 bps | |
| Deposit Growth (YoY) | 7.32% | -7.50% | -18.70% | -9.68% | -9.66% | -3.72% | 0.05% | -5.24% | +444 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 | 0.16% | 0.00% | 0.79% | 0.26% | 1.55% | 3.14% | 1.31% | 7.96% | +771 bps | |
| Allowance / Loans | 1.95% | 2.37% | 2.19% | 2.20% | 1.90% | 2.27% | 3.58% | 3.43% | +124 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 | 8.58% | 9.24% | 9.38% | 10.06% | 10.87% | 8.19% | 5.42% | 3.21% | -685 bps | |
| Equity / Assets | 5.69% | 5.55% | 6.53% | 7.66% | 8.11% | 7.18% | 6.06% | 5.58% | -208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.29% | 95.53% | 91.00% | 85.81% | 82.71% | 84.33% | 77.06% | 75.43% | -1,038 bps | |
| Liquid Assets / Assets | 4.57% | 4.56% | 6.01% | 8.74% | 11.29% | 3.06% | 4.24% | 3.42% | -532 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |