Baton Rouge, LA · Charter 9551
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 1.80% | 1.08% | -0.21% | 0.24% | -3.72% | -1.25% | -4.26% | -405 bps | |
| Return on Equity | 0.79% | 11.63% | 6.98% | -1.42% | 1.65% | -28.18% | -8.84% | -37.30% | -3,588 bps | |
| Net Interest Margin | 5.77% | 5.48% | 5.25% | 5.03% | 5.12% | 3.86% | 3.91% | 3.79% | -124 bps | |
| Efficiency Ratio | 96.41% | 67.85% | 80.03% | 103.96% | 95.42% | 112.72% | 91.96% | 164.77% | +6,082 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.36% | -1.27% | 0.15% | 1.20% | 4.59% | 6.34% | 1.06% | -0.21% | -141 bps | |
| Loan Growth (YoY) | -4.33% | -5.70% | -6.13% | -7.46% | -19.85% | -25.27% | -31.62% | -29.21% | -2,175 bps | |
| Share Growth (YoY) | -9.07% | -1.79% | -1.87% | 2.42% | 6.23% | 9.24% | 3.23% | 4.10% | +169 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.82% | 2.53% | 2.70% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 4.35% | 4.63% | 4.36% | 4.72% | 3.04% | 2.85% | 3.09% | 2.94% | -177 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.29% | 15.45% | 15.46% | 14.40% | 14.64% | 13.20% | 14.16% | 11.42% | -298 bps | |
| Net Worth / Assets | 15.29% | 15.45% | 15.46% | 14.40% | 14.64% | 13.20% | 14.16% | 11.42% | -298 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.43% | 71.66% | 73.66% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |