Ferriday, LA · Cert 21232
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Ferriday, LA · Cert 21232
FDIC
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.84% | 1.59% | 1.44% | -0.27% | 0.64% | 1.02% | 1.23% | -21 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.09% | 4.03% | 4.04% | 3.94% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 64.47% | 63.92% | 64.03% | 65.24% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 2.16% | 2.11% | 2.15% | 2.16% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.37% | 12.97% | 7.44% | 10.79% | 16.02% | 10.24% | 15.84% | 12.35% | +156 bps | |
| Loan Growth (YoY) | 29.20% | 25.75% | 14.44% | 15.43% | 13.03% | 17.97% | 13.62% | 5.73% | -970 bps | |
| Deposit Growth (YoY) | 2.49% | 5.07% | 11.17% | 14.67% | 19.95% | 18.84% | 16.97% | 13.18% | -149 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 | n/a | n/a | n/a | 0.11% | 0.17% | 0.15% | 0.25% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 2.06% | 1.76% | 1.81% | 2.02% | n/a | |
| 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 | n/a | n/a | n/a | 13.83% | 12.71% | 13.17% | 14.71% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 7.95% | 7.78% | 7.80% | 7.68% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.53% | 77.04% | 74.78% | 67.62% | 67.40% | 76.48% | 72.64% | 63.17% | -445 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.08% | 0.04% | 3.16% | +316 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |