Baton Rouge, LA · Cert 22228
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.73% | 0.96% | 0.79% | 0.85% | 0.92% | 0.63% | -2.62% | -341 bps | |
| Return on Equity | 8.15% | 9.81% | 12.64% | 10.02% | 11.03% | 12.35% | 8.70% | -37.93% | -4,795 bps | |
| Net Interest Margin | 3.97% | 3.88% | 4.02% | 4.15% | 4.21% | 4.07% | 4.52% | 4.39% | +25 bps | |
| Efficiency Ratio | 78.86% | 77.62% | 72.74% | 77.68% | 77.50% | 77.35% | 77.66% | 111.00% | +3,331 bps | |
| Non-Interest Burden | 3.11% | 2.95% | 2.84% | 3.15% | 3.19% | 3.08% | 3.44% | 4.92% | +177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.64% | 5.14% | 1.11% | 2.86% | 15.68% | 21.90% | 35.86% | 26.94% | +2,408 bps | |
| Loan Growth (YoY) | 12.71% | 13.25% | 5.09% | 2.56% | 10.43% | 21.37% | 31.94% | 35.57% | +3,301 bps | |
| Deposit Growth (YoY) | 9.65% | 6.27% | 0.69% | 4.92% | 17.30% | 23.21% | 25.02% | 23.34% | +1,842 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 | 0.11% | 0.11% | 0.35% | -0.01% | 0.00% | 0.09% | 0.67% | 0.39% | +41 bps | |
| Allowance / Loans | 0.83% | 0.87% | 0.86% | 0.92% | 0.90% | 0.83% | 0.73% | 1.29% | +36 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 | 10.34% | 10.51% | 10.77% | 11.08% | 10.80% | 10.27% | 10.05% | 9.63% | -145 bps | |
| Equity / Assets | 7.38% | 7.41% | 7.85% | 7.95% | 7.52% | 7.32% | 7.08% | 6.73% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.48% | 90.06% | 93.12% | 88.85% | 86.13% | 88.71% | 98.28% | 97.67% | +881 bps | |
| Liquid Assets / Assets | 11.84% | 14.68% | 12.31% | 15.03% | 18.11% | 14.08% | 15.97% | 12.61% | -242 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |