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Schwegmann Bank and Trust Company

Harvey, LA · Cert 25139

FDIC

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Schwegmann Bank and Trust Company

Harvey, LA · Cert 25139

FDIC

Q2 2001

$34.9MAssets
$22.4MLoans
$32.0MDeposits
$2.8MEquity
Loan mix
60%RE $7.9M29%C&I $3.8M11%Consumer $1.4MQ2 2000Q2 2001
Deposit mix
90%Interest-bearing $28.8M10%Noninterest $3.2MQ2 2000Q2 2001

NIM

8.41%Q1 ’011.30%Q2 ’01-85%

Non-interest income vs. expense

7.84%Q1 ’011.05%Q2 ’01-88%

Executive Summary

  • Earnings: ROA of 0.03%, up 28 bps year over year; NIM at 0.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 69.85% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.03%+28 bps YoY

Net Interest Margin (YTD, annualized)

0.78%

Efficiency Ratio (YTD, annualized)

95.77%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets-0.25%-0.38%-0.51%-1.00%0.03%+28 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a5.20%0.78%n/a
Efficiency Ration/an/an/a112.14%95.77%n/a
Non-Interest Burdenn/an/an/a6.05%0.74%n/a
Growth
Asset Growth (YoY)-7.57%-5.71%-4.00%-3.52%1.06%+863 bps
Loan Growth (YoY)-9.38%-9.09%-0.65%-0.50%-11.62%-224 bps
Deposit Growth (YoY)-5.32%-2.87%0.42%-3.40%0.10%+542 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a1.50%0.04%n/a
Allowance / Loansn/an/an/a1.09%1.05%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a8.98%8.36%n/a
Equity / Assetsn/an/an/a6.58%7.94%n/a
Liquidity & Funding
Loans / Deposits79.12%78.78%78.81%74.74%69.85%-927 bps
Liquid Assets / Assets0.00%0.00%0.00%0.01%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a