Ponchatoula, LA · Cert 57812
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.51% | 0.37% | 0.51% | -1.72% | -1.30% | 0.01% | 0.12% | 0.18% | +190 bps | |
| Return on Equity | -7.11% | 3.06% | 4.54% | -16.79% | -13.22% | 0.11% | 1.47% | 2.37% | +1,916 bps | |
| Net Interest Margin | 2.52% | 4.48% | 4.47% | 3.71% | 3.62% | 3.74% | 3.45% | 3.21% | -50 bps | |
| Efficiency Ratio | 128.83% | 80.28% | 75.72% | 78.77% | 83.10% | 93.85% | 90.85% | 89.21% | +1,044 bps | |
| Non-Interest Burden | 3.36% | 3.50% | 3.23% | 2.81% | 2.92% | 3.47% | 3.08% | 2.81% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 300% | 222% | 183.88% | 58.74% | 53.61% | 25.39% | 16.51% | 14.05% | -4,469 bps | |
| Loan Growth (YoY) | 858% | 329% | 255% | 116.06% | 70.32% | 47.64% | 20.68% | -2.46% | -11,852 bps | |
| Deposit Growth (YoY) | 648% | 329% | 247% | 110.21% | 63.08% | 29.34% | 19.43% | 15.09% | -9,512 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 | 0.00% | 0.04% | 0.01% | 0.03% | 2.51% | 0.04% | 0.14% | 0.10% | +7 bps | |
| Allowance / Loans | 0.97% | 0.96% | 0.91% | 3.22% | 0.98% | 1.02% | 0.97% | 1.04% | -218 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 | 17.20% | 14.53% | 12.08% | 9.89% | 9.64% | 9.09% | 8.74% | 9.12% | -78 bps | |
| Equity / Assets | 13.81% | 10.93% | 9.86% | 7.85% | 8.26% | 7.84% | 7.48% | 6.91% | -94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.04% | 79.93% | 88.27% | 91.68% | 94.03% | 91.24% | 89.19% | 77.70% | -1,397 bps | |
| Liquid Assets / Assets | 0.37% | 0.29% | 0.02% | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |