Baton Rouge, LA · Charter 9551
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.
Baton Rouge, LA · Charter 9551
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | 0.24% | -3.72% | -1.25% | -4.26% | -405 bps | |
| Return on Equity | -1.42% | 1.65% | -28.18% | -8.84% | -37.30% | -3,588 bps | |
| Net Interest Margin | 5.03% | 5.12% | 3.86% | 3.91% | 3.79% | -124 bps | |
| Efficiency Ratio | 103.96% | 95.42% | 112.72% | 91.96% | 164.77% | +6,082 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.20% | 4.59% | 6.34% | 1.06% | -0.21% | -141 bps | |
| Loan Growth (YoY) | -7.46% | -19.85% | -25.27% | -31.62% | -29.21% | -2,175 bps | |
| Share Growth (YoY) | 2.42% | 6.23% | 9.24% | 3.23% | 4.10% | +169 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.10% | 0.00% | 3.32% | 0.41% | 3.25% | +115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.72% | 3.04% | 2.85% | 3.09% | 2.94% | -177 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.40% | 14.64% | 13.20% | 14.16% | 11.42% | -298 bps | |
| Net Worth / Assets | 14.40% | 14.64% | 13.20% | 14.16% | 11.42% | -298 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.10% | 58.42% | 49.02% | 48.80% | 44.95% | -2,115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |