Lafayette, LA · Cert 28361
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Lafayette, LA · Cert 28361
FDIC
Q1 2003
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.83% | 0.83% | 0.71% | 0.77% | 0.76% | 0.68% | 0.32% | -39 bps | |
| Return on Equity | n/a | n/a | n/a | 8.84% | 9.55% | 9.34% | 8.26% | 2.70% | -614 bps | |
| Net Interest Margin | 2.97% | 3.09% | 3.12% | 3.12% | 3.13% | 3.13% | 3.04% | 0.93% | -220 bps | |
| Efficiency Ratio | 67.51% | 66.43% | 64.39% | 68.92% | 68.58% | 68.83% | 71.24% | 53.10% | -1,583 bps | |
| Non-Interest Burden | 1.80% | 1.85% | 1.81% | 1.99% | 1.93% | 1.94% | 1.96% | 0.48% | -151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.32% | -3.41% | -2.42% | -3.81% | -1.14% | -2.33% | -3.53% | 5.79% | +961 bps | |
| Loan Growth (YoY) | -1.81% | -4.50% | -11.07% | -14.35% | -13.91% | -15.57% | -14.64% | -14.77% | -42 bps | |
| Deposit Growth (YoY) | -0.74% | -5.73% | -3.75% | -5.78% | -3.06% | -2.94% | -4.44% | -4.15% | +163 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 | 0.00% | 0.02% | 0.01% | 0.50% | 0.26% | 0.20% | 0.13% | 0.30% | -20 bps | |
| Allowance / Loans | 0.98% | 0.99% | 1.14% | 1.08% | 1.09% | 1.12% | 1.20% | 1.19% | +12 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 | 14.23% | 14.65% | 15.49% | 14.40% | 14.70% | 15.48% | 16.16% | 11.99% | -241 bps | |
| Equity / Assets | 7.72% | 8.06% | 8.24% | 7.73% | 8.08% | 8.60% | 8.73% | 14.37% | +664 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.65% | 117.61% | 110.22% | 105.88% | 105.38% | 102.30% | 98.45% | 94.15% | -1,173 bps | |
| Liquid Assets / Assets | 7.10% | 8.72% | 13.79% | 11.06% | 12.04% | 13.87% | 12.41% | 14.98% | +392 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |