Shreveport, LA · Cert 34984
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Shreveport, LA · Cert 34984
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 | 0.83% | 0.77% | 0.82% | 0.71% | 0.54% | 0.67% | -1.00% | 0.65% | -6 bps | |
| Return on Equity | 7.38% | 7.15% | 8.14% | 7.02% | 5.24% | 6.23% | -9.36% | 5.54% | -147 bps | |
| Net Interest Margin | 4.55% | 4.15% | 3.55% | 3.85% | 4.34% | 4.79% | 4.93% | 1.41% | -244 bps | |
| Efficiency Ratio | 70.71% | 72.52% | 70.54% | 71.12% | 69.98% | 70.05% | 93.56% | 65.67% | -546 bps | |
| Non-Interest Burden | 2.90% | 2.74% | 2.25% | 2.48% | 2.73% | 3.03% | 4.58% | 0.90% | -158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 19.13% | 38.10% | 14.15% | 10.01% | -7.16% | -25.94% | -8.85% | -2,301 bps | |
| Loan Growth (YoY) | -1.25% | -1.42% | -4.46% | 1.82% | 1.85% | 11.68% | 8.79% | 3.16% | +134 bps | |
| Deposit Growth (YoY) | 4.39% | 22.35% | 49.18% | 18.95% | 19.20% | -10.68% | -32.58% | -22.38% | -4,133 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 | 0.04% | 0.75% | 0.56% | 0.62% | 0.98% | 0.45% | 0.47% | 0.00% | -62 bps | |
| Allowance / Loans | 1.20% | 1.01% | 1.07% | 1.19% | 1.20% | 1.33% | 2.07% | 0.00% | -119 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 | 14.21% | 13.74% | 12.92% | 13.58% | 13.73% | 13.46% | 12.47% | 9.57% | -401 bps | |
| Equity / Assets | 11.42% | 10.08% | 8.40% | 10.08% | 10.74% | 11.32% | 10.61% | 15.70% | +562 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.98% | 77.92% | 62.49% | 77.53% | 81.16% | 97.42% | 100.85% | 103.04% | +2,551 bps | |
| Liquid Assets / Assets | 0.03% | 0.24% | 0.08% | 0.72% | 4.80% | 4.59% | 2.63% | 0.32% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |