Baton Rouge, LA · Charter 3096
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Baton Rouge, LA · Charter 3096
Q4 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.33% | 0.33% | 0.21% | 0.27% | +25 bps | |
| Return on Equity | 0.19% | 4.15% | 4.08% | 2.66% | 3.11% | +293 bps | |
| Net Interest Margin | 3.06% | 2.68% | 2.83% | 2.79% | 2.96% | -10 bps | |
| Efficiency Ratio | 106.36% | 93.07% | 90.09% | 91.59% | 91.23% | -1,513 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.71% | -4.14% | -4.47% | 1.03% | -3.49% | +722 bps | |
| Loan Growth (YoY) | -16.37% | -5.48% | 1.00% | 2.19% | 5.01% | +2,137 bps | |
| Share Growth (YoY) | -11.57% | -5.07% | -5.08% | 0.83% | -4.11% | +746 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.86% | 0.71% | 0.95% | 0.74% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.66% | 0.66% | 0.74% | 0.55% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.10% | 7.99% | 8.05% | 8.05% | 8.66% | +56 bps | |
| Net Worth / Assets | 8.10% | 7.99% | 8.05% | 8.05% | 8.66% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.21% | 57.27% | 60.50% | 58.16% | 62.64% | +544 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |