Prairieville, LA · Cert 58704
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.01% | -1.03% | -1.34% | -0.36% | -1.00% | 0.15% | -0.06% | -1.48% | -112 bps | |
| Return on Equity | -6.58% | -3.60% | -4.85% | -1.33% | -3.71% | 0.59% | -0.23% | -6.11% | -478 bps | |
| Net Interest Margin | 1.84% | 2.17% | 2.38% | 2.41% | 2.69% | 2.72% | 2.94% | 2.94% | +54 bps | |
| Efficiency Ratio | 228% | 157.96% | 131.41% | 142.65% | 147.62% | 118.43% | 104.03% | 177.24% | +3,459 bps | |
| Non-Interest Burden | 4.27% | 3.47% | 3.15% | 3.45% | 3.99% | 3.24% | 3.06% | 5.19% | +173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 90.08% | 76.63% | 29.90% | 9.37% | 10.17% | 9.60% | 12.35% | 11.87% | +251 bps | |
| Loan Growth (YoY) | 272% | 236% | 85.03% | 79.44% | 63.46% | 37.30% | 37.74% | 25.93% | -5,352 bps | |
| Deposit Growth (YoY) | 225% | 160.16% | 50.73% | 14.99% | 15.90% | 13.86% | 17.29% | 16.35% | +136 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.30% | 1.72% | 1.37% | 1.30% | 1.20% | 1.19% | 1.16% | -22 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 | 54.76% | 46.60% | 45.93% | 41.54% | 37.94% | 34.99% | 34.66% | 33.94% | -760 bps | |
| Equity / Assets | 30.20% | 27.37% | 27.71% | 27.23% | 26.57% | 24.51% | 24.48% | 24.05% | -318 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.50% | 67.16% | 69.62% | 76.59% | 83.92% | 80.99% | 81.76% | 82.90% | +631 bps | |
| Liquid Assets / Assets | 46.72% | 36.01% | 32.95% | 30.34% | 24.07% | 22.08% | 17.03% | 10.86% | -1,948 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |