Terrytown, LA · Cert 29561
FDIC
Q4 2009
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 | 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% | -0.45% | -1.82% | -0.31% | 0.64% | -2.99% | -3.77% | -3.66% | -336 bps | |
| Return on Equity | -27.62% | -7.50% | -29.49% | -4.73% | 8.07% | -39.06% | -51.74% | -52.63% | -4,790 bps | |
| Net Interest Margin | 3.84% | 3.72% | 3.81% | 3.70% | 3.14% | 3.17% | 3.30% | 3.38% | -31 bps | |
| Efficiency Ratio | 96.70% | 61.35% | 72.06% | 79.28% | 74.73% | 88.81% | 95.99% | 101.76% | +2,248 bps | |
| Non-Interest Burden | 3.73% | 1.40% | 2.37% | 2.74% | 2.00% | 2.72% | 3.14% | 3.45% | +71 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% | 0.08% | 0.32% | 0.31% | 1.55% | 2.38% | 2.11% | 3.65% | +333 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 |