Home > First Louisiana Bank > Performance and Condition Ratios
First Louisiana Bank, Performance and Condition Ratios
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8092% | 7,934 |
| Cost of funding earning assets | 0.1911% | 7,945 |
| Net interest margin | 1.6182% | 7,848 |
| Noninterest income to average assets | 0.4072% | 5,142 |
| Noninterest expense to average assets | 1.2837% | 7,884 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6629% | 3,087 |
| Return on assets (ROA) | 0.6460% | 3,210 |
| Pretax return on assets | 0.4876% | 4,220 |
| Return on Equity (ROE) | 5.5433% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.5433% | 1,557 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6678% | 5,459 |
| Assets per employee ($millions) | 2.7194% | 6,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 3.1860% | 2,162 |
| Noncurrent loans to loans | 3.0544% | 2,516 |
| Net loans and leases to total assets | 70.2120% | 3,206 |
| Net loans and leases to deposits | 103.0393% | 692 |
| Net loans and leases to core deposits | 126.6681% | 1,465 |
| Total domestic deposits to total assets | 68.1410% | 7,537 |
| Equity capital to assets | 15.6960% | 744 |
| Core capital (leverage) ratio | 9.2078% | 4,106 |
| Tier 1 risk-based capital ratio | 9.5694% | 7,185 |
| Total risk-based capital ratio | 9.5694% | 7,631 |
| Memoranda: | ||
| Average total assets | $130,643,000 | 4,323 |
| Average earning assets | $111,484,800 | 4,521 |
| Average equity | $15,225,600 | 4,024 |
| Average total loans | $89,894,400 | 4,214 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4760% | 795 |
| Cost of funding earning assets | 1.0330% | 7,319 |
| Net interest margin | 5.4430% | 194 |
| Noninterest income to average assets | 0.5045% | 4,445 |
| Noninterest expense to average assets | 4.8957% | 527 |
| Loan and lease loss provision to assets | 1.2394% | 1,565 |
| Net operating income to assets | -0.9430% | 6,792 |
| Return on assets (ROA) | -0.9988% | 6,837 |
| Pretax return on assets | -0.9582% | 6,654 |
| Return on Equity (ROE) | -9.3600% | 6,849 |
| Retained earnings to average equity (ytd only) | -9.3600% | 6,751 |
| Net charge-offs to loans | 0.4848% | 3,293 |
| Credit loss provision to net charge-offs | 373.3945% | 1,082 |
| Earnings coverage of net charge-offs (x) | 1.0153% | 5,037 |
| Efficiency ratio | 93.5597% | 1,427 |
| Assets per employee ($millions) | 2.6349% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 1,659 |
| Loan loss allowance to noncurrent loans | 82.2450% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 2.8884% | 2,403 |
| Noncurrent loans to loans | 2.5125% | 2,996 |
| Net loans and leases to total assets | 73.7448% | 2,607 |
| Net loans and leases to deposits | 98.7629% | 1,237 |
| Net loans and leases to core deposits | 119.9603% | 2,248 |
| Total domestic deposits to total assets | 74.6685% | 6,833 |
| Equity capital to assets | 10.6063% | 3,394 |
| Core capital (leverage) ratio | 10.3968% | 2,888 |
| Tier 1 risk-based capital ratio | 11.2514% | 5,690 |
| Total risk-based capital ratio | 12.4654% | 5,685 |
| Memoranda: | ||
| Average total assets | $131,351,250 | 4,346 |
| Average earning assets | $114,100,750 | 4,475 |
| Average equity | $14,016,750 | 4,290 |
| Average total loans | $89,933,500 | 4,249 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3792% | 1,046 |
| Cost of funding earning assets | 1.0976% | 7,381 |
| Net interest margin | 5.2816% | 252 |
| Noninterest income to average assets | 1.0310% | 1,495 |
| Noninterest expense to average assets | 3.9356% | 1,422 |
| Loan and lease loss provision to assets | 0.6201% | 2,570 |
| Net operating income to assets | 0.7058% | 3,226 |
| Return on assets (ROA) | 0.6664% | 3,513 |
| Pretax return on assets | 1.0026% | 3,001 |
| Return on Equity (ROE) | 6.2331% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.2331% | 1,916 |
| Net charge-offs to loans | 0.4706% | 2,948 |
| Credit loss provision to net charge-offs | 198.5646% | 2,305 |
| Earnings coverage of net charge-offs (x) | 5.3876% | 2,843 |
| Efficiency ratio | 70.0532% | 4,767 |
| Assets per employee ($millions) | 2.6168% | 7,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,084 |
| Loan loss allowance to noncurrent loans | 96.4202% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 2.2398% | 2,903 |
| Noncurrent loans to loans | 1.3823% | 4,450 |
| Net loans and leases to total assets | 71.5316% | 3,335 |
| Net loans and leases to deposits | 96.1194% | 1,777 |
| Net loans and leases to core deposits | 121.1209% | 2,266 |
| Total domestic deposits to total assets | 74.4196% | 6,884 |
| Equity capital to assets | 11.3186% | 2,664 |
| Core capital (leverage) ratio | 11.3052% | 2,190 |
| Tier 1 risk-based capital ratio | 12.4025% | 4,596 |
| Total risk-based capital ratio | 13.4620% | 4,656 |
| Memoranda: | ||
| Average total assets | $133,854,330 | 4,310 |
| Average earning assets | $116,253,000 | 4,457 |
| Average equity | $14,310,670 | 4,238 |
| Average total loans | $88,826,670 | 4,310 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1225% | 1,857 |
| Cost of funding earning assets | 1.2084% | 7,284 |
| Net interest margin | 4.9141% | 486 |
| Noninterest income to average assets | 1.0097% | 1,457 |
| Noninterest expense to average assets | 3.7053% | 1,645 |
| Loan and lease loss provision to assets | 0.6293% | 2,009 |
| Net operating income to assets | 0.5444% | 4,238 |
| Return on assets (ROA) | 0.5444% | 4,423 |
| Pretax return on assets | 0.9600% | 3,502 |
| Return on Equity (ROE) | 5.2359% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.2359% | 3,001 |
| Net charge-offs to loans | 0.9820% | 1,371 |
| Credit loss provision to net charge-offs | 100.9390% | 3,693 |
| Earnings coverage of net charge-offs (x) | 2.5493% | 3,476 |
| Efficiency ratio | 69.9834% | 4,579 |
| Assets per employee ($millions) | 2.7166% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 4,835 |
| Loan loss allowance to noncurrent loans | 103.1904% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.8187% | 3,188 |
| Noncurrent loans to loans | 1.1591% | 4,668 |
| Net loans and leases to total assets | 64.2314% | 4,948 |
| Net loans and leases to deposits | 80.1885% | 4,578 |
| Net loans and leases to core deposits | 104.5193% | 4,078 |
| Total domestic deposits to total assets | 80.1005% | 5,331 |
| Equity capital to assets | 10.7359% | 3,253 |
| Core capital (leverage) ratio | 10.5635% | 2,853 |
| Tier 1 risk-based capital ratio | 12.7980% | 4,326 |
| Total risk-based capital ratio | 13.7282% | 4,483 |
| Memoranda: | ||
| Average total assets | $136,670,000 | 4,263 |
| Average earning assets | $119,167,000 | 4,408 |
| Average equity | $14,209,500 | 4,292 |
| Average total loans | $86,760,500 | 4,400 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7094% | 1,994 |
| Cost of funding earning assets | 1.9779% | 6,483 |
| Net interest margin | 4.7315% | 906 |
| Noninterest income to average assets | 0.9472% | 1,779 |
| Noninterest expense to average assets | 3.5871% | 2,182 |
| Loan and lease loss provision to assets | 0.4932% | 2,848 |
| Net operating income to assets | 0.7064% | 3,865 |
| Return on assets (ROA) | 0.7064% | 3,699 |
| Pretax return on assets | 0.9631% | 3,512 |
| Return on Equity (ROE) | 7.0167% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.0167% | 1,148 |
| Net charge-offs to loans | 0.6310% | 1,950 |
| Credit loss provision to net charge-offs | 126.3941% | 4,228 |
| Earnings coverage of net charge-offs (x) | 3.7323% | 4,241 |
| Efficiency ratio | 71.1245% | 4,103 |
| Assets per employee ($millions) | 2.8618% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 4,639 |
| Loan loss allowance to noncurrent loans | 127.6885% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.5882% | 3,062 |
| Noncurrent loans to loans | 0.9300% | 4,754 |
| Net loans and leases to total assets | 61.2953% | 5,727 |
| Net loans and leases to deposits | 76.6047% | 5,518 |
| Net loans and leases to core deposits | 95.3275% | 5,311 |
| Total domestic deposits to total assets | 80.0151% | 5,019 |
| Equity capital to assets | 10.0752% | 3,948 |
| Core capital (leverage) ratio | 9.6016% | 3,875 |
| Tier 1 risk-based capital ratio | 12.6525% | 4,322 |
| Total risk-based capital ratio | 13.5802% | 4,449 |
| Memoranda: | ||
| Average total assets | $137,882,000 | 4,124 |
| Average earning assets | $119,370,600 | 4,276 |
| Average equity | $13,881,200 | 4,367 |
| Average total loans | $85,266,800 | 4,356 |