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Shreveport Cotton Belt

Shreveport, LA · Charter 8050

Q4 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2008, the quarter ended December 31, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Shreveport Cotton Belt

Shreveport, LA · Charter 8050

Q4 2008

$382KAssets
$251KLoans
$282KShares
$98KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.03%, up 5 bps year over year; NIM at 7.53%.
  • Asset quality: problem loans at 11.06% of loans (-513 bps YoY).
  • Capital: net worth / assets of 25.67%, down 93 bps from a year ago.
  • Funding: loans stand at 88.98% of shares as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

-0.03%+5 bps YoY

Net Interest Margin (YTD, annualized)

7.53%+92 bps YoY

Efficiency Ratio (YTD, annualized)

101.48%+276 bps YoY

Net Worth / Assets

25.67%-93 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets-0.08%-4.02%-7.45%-9.17%-0.03%+5 bps
Return on Equity-0.29%-15.43%-29.53%-44.43%-0.11%+18 bps
Net Interest Margin6.61%4.16%6.16%7.25%7.53%+92 bps
Efficiency Ratio98.71%181.55%131.28%115.78%101.48%+276 bps
Growth
Asset Growth (YoY)-13.38%-15.76%-13.30%-11.73%-5.85%+753 bps
Loan Growth (YoY)6.62%-1.48%-2.14%-14.60%-23.69%-3,031 bps
Share Growth (YoY)-21.62%-22.11%-13.56%-5.12%-6.93%+1,469 bps
Asset Quality
Delinquent Loans / Loans16.19%6.57%10.19%14.87%11.06%-513 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%2.80%4.51%+451 bps
Capital
Risk-Based Capital26.60%26.02%25.23%20.64%25.67%-93 bps
Net Worth / Assets26.60%26.02%25.23%20.64%25.67%-93 bps
Liquidity & Funding
Loans / Shares108.52%102.91%93.98%86.23%88.98%-1,954 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps