New Orleans, LA · Charter 60703
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
New Orleans, LA · Charter 60703
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.38% | 0.32% | 0.95% | 0.40% | -3.26% | -0.15% | -0.28% | -122 bps | |
| Return on Equity | 2.07% | 3.08% | 2.54% | 7.34% | 3.06% | -26.39% | -1.15% | -2.12% | -946 bps | |
| Net Interest Margin | 4.00% | 3.87% | 4.10% | 4.13% | 4.13% | 3.88% | 3.69% | 3.77% | -36 bps | |
| Efficiency Ratio | 76.99% | 79.40% | 86.98% | 73.73% | 84.85% | 92.49% | 97.07% | 97.53% | +2,380 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.88% | -12.57% | -11.80% | -7.62% | -9.18% | -4.81% | 1.65% | -1.63% | +599 bps | |
| Loan Growth (YoY) | 4.92% | 4.22% | 2.81% | 2.76% | -4.96% | -8.26% | -12.24% | -16.05% | -1,881 bps | |
| Share Growth (YoY) | -14.30% | -14.57% | -13.70% | -7.27% | -7.03% | -4.99% | 1.91% | -1.32% | +595 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.47% | 5.85% | 3.91% | 3.61% | 3.23% | 3.44% | 2.90% | 2.68% | -93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.37% | 3.87% | 3.79% | 3.04% | 2.28% | 1.70% | 1.77% | 0.94% | -210 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.57% | 12.28% | 12.74% | 12.91% | 13.14% | 12.36% | 12.69% | 12.96% | +5 bps | |
| Net Worth / Assets | 11.57% | 12.28% | 12.74% | 12.91% | 13.14% | 12.36% | 12.69% | 12.96% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.62% | 69.94% | 74.01% | 74.72% | 71.17% | 67.53% | 63.74% | 63.56% | -1,115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |