Hammond, LA · Cert 35090
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Hammond, LA · Cert 35090
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.33% | 0.29% | 0.00%1 | 0.07% | 0.16% | -0.15% | -0.34% | -34 bps | |
| Return on Equity | 2.83% | 3.00% | 2.65% | 0.03% | 0.66% | 1.45% | -1.29% | -2.87% | -290 bps | |
| Net Interest Margin | 3.84% | 3.92% | 3.93% | 4.16% | 4.17% | 4.28% | 4.37% | 4.13% | -3 bps | |
| Efficiency Ratio | 82.75% | 83.55% | 84.58% | 97.91% | 91.45% | 90.28% | 93.27% | 98.93% | +102 bps | |
| Non-Interest Burden | 3.13% | 3.25% | 3.30% | 4.09% | 3.83% | 3.87% | 4.10% | 4.08% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.96% | -1.43% | -0.76% | -2.82% | -3.71% | -3.76% | -7.09% | -7.98% | -515 bps | |
| Loan Growth (YoY) | -12.89% | -2.61% | 0.16% | 4.86% | 0.96% | -7.29% | -6.20% | -10.34% | -1,520 bps | |
| Deposit Growth (YoY) | -6.65% | -1.87% | -1.19% | -3.46% | -4.57% | -4.68% | -6.79% | -9.05% | -559 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 | 1.75% | 1.13% | 0.87% | 0.49% | 0.50% | 0.35% | 0.99% | 0.30% | -20 bps | |
| Allowance / Loans | 1.56% | 1.50% | 1.53% | 1.44% | 1.56% | 1.62% | 1.37% | 1.47% | +4 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 | 16.48% | 17.45% | 16.85% | 16.46% | 17.47% | 18.06% | 17.72% | 17.43% | +97 bps | |
| Equity / Assets | 11.01% | 11.14% | 11.12% | 10.96% | 11.50% | 11.64% | 11.79% | 11.66% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.02% | 91.64% | 92.63% | 93.54% | 91.00% | 89.13% | 93.21% | 92.20% | -133 bps | |
| Liquid Assets / Assets | 11.35% | 9.08% | 6.83% | 5.18% | 2.88% | 7.10% | 3.61% | 5.30% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |