Cheneyville, LA · Cert 16445
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.79% | 1.58% | 1.97% | 1.52% | 0.13% | 1.70% | 1.68% | 2.23% | +71 bps | |
| Return on Equity | n/a | n/a | 21.83% | 17.14% | 1.54% | 19.49% | 19.15% | 25.64% | +849 bps | |
| Net Interest Margin | n/a | 4.46% | 4.38% | 4.73% | 4.27% | 4.42% | 4.55% | 4.78% | +5 bps | |
| Efficiency Ratio | n/a | 52.36% | 46.08% | 47.78% | 61.38% | 43.32% | 45.61% | 40.86% | -692 bps | |
| Non-Interest Burden | n/a | 2.16% | 1.81% | 2.09% | 2.51% | 1.72% | 1.86% | 1.73% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.68% | 14.25% | 20.96% | 14.91% | 21.25% | 19.67% | 17.90% | 20.15% | +524 bps | |
| Loan Growth (YoY) | 27.38% | 31.31% | 24.68% | 13.61% | 22.47% | 26.63% | 21.20% | 29.30% | +1,568 bps | |
| Deposit Growth (YoY) | 5.76% | 14.02% | 21.13% | 18.05% | 27.09% | 20.34% | 18.36% | 20.67% | +262 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | 0.00% | 0.83% | 0.44% | 0.43% | 0.05% | 0.31% | 0.14% | -30 bps | |
| Allowance / Loans | n/a | 1.44% | 1.03% | 1.05% | 1.11% | 1.14% | 1.02% | 0.90% | -15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 12.56% | 12.35% | 12.82% | 12.92% | 13.40% | 13.12% | 12.78% | -4 bps | |
| Equity / Assets | n/a | 9.13% | 8.93% | 8.85% | 8.60% | 8.85% | 8.74% | 8.67% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.86% | 89.50% | 95.91% | 93.32% | 91.41% | 94.19% | 98.21% | 99.99% | +667 bps | |
| Liquid Assets / Assets | 0.00% | 3.72% | 3.29% | 2.60% | 2.26% | 2.10% | 1.74% | 1.48% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |