Creole, LA · Charter 66105
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 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.
Creole, LA · Charter 66105
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | 0.11% | 1.01% | 0.69% | 0.51% | 0.40% | -3.52% | 0.36% | -34 bps | |
| Return on Equity | -3.20% | 1.12% | 9.50% | 6.72% | 4.72% | 3.99% | -40.05% | 3.55% | -317 bps | |
| Net Interest Margin | 3.24% | 3.17% | 3.76% | 3.35% | 3.51% | 3.25% | 3.62% | 3.54% | +20 bps | |
| Efficiency Ratio | 88.15% | 78.34% | 73.25% | 79.28% | 85.42% | 87.61% | 106.40% | 61.54% | -1,774 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.11% | 9.50% | -1.15% | 0.94% | 2.21% | -1.93% | 11.18% | 5.50% | +456 bps | |
| Loan Growth (YoY) | -5.70% | 12.15% | 12.27% | 22.72% | 4.83% | 14.55% | 24.69% | 12.83% | -989 bps | |
| Share Growth (YoY) | -5.49% | 10.98% | -2.32% | 0.06% | -3.25% | -2.71% | 13.13% | 6.56% | +650 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.26% | 0.31% | 0.33% | +33 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 | 1.37% | 1.31% | 1.43% | 1.38% | 1.45% | 1.14% | 1.15% | 1.22% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.31% | 9.49% | 10.58% | 10.31% | 10.83% | 10.08% | 8.80% | 10.02% | -30 bps | |
| Net Worth / Assets | 10.31% | 9.49% | 10.58% | 10.31% | 10.83% | 10.08% | 8.80% | 10.02% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.57% | 61.79% | 61.66% | 61.66% | 62.38% | 72.75% | 67.96% | 65.29% | +363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |