Lake Charles, LA · Charter 61060
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Lake Charles, LA · Charter 61060
Q4 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.93% | -0.67% | -0.75% | -0.85% | -3.40% | -148 bps | |
| Return on Equity | -12.76% | -4.53% | -4.96% | -5.71% | -27.60% | -1,484 bps | |
| Net Interest Margin | 4.16% | 4.15% | 4.27% | 4.34% | 4.39% | +23 bps | |
| Efficiency Ratio | 121.31% | 99.85% | 101.41% | 105.97% | 152.54% | +3,123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.48% | -3.97% | -3.06% | -8.02% | -6.32% | -781 bps | |
| Loan Growth (YoY) | 20.40% | -0.16% | -5.47% | -4.55% | -4.56% | -2,496 bps | |
| Share Growth (YoY) | 4.35% | -1.39% | -1.15% | -7.14% | -5.81% | -1,016 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.45% | 0.80% | 0.30% | 0.90% | 1.43% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.89% | 0.95% | 1.14% | 1.43% | +53 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.11% | 14.86% | 15.06% | 14.92% | 12.34% | -277 bps | |
| Net Worth / Assets | 15.11% | 14.86% | 15.06% | 14.92% | 12.34% | -277 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.42% | 74.25% | 74.66% | 77.47% | 75.41% | +99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |