PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lba Savings Bank

Lafayette, LA · Cert 28361

FDIC

Q1 2003

$324.1MAssets
$192.6MLoans
$204.5MDeposits
$46.6MEquity
Loan mix
86%RE $111.0M13%C&I $16.1M1%Consumer $1.6MQ1 2002Q1 2003
Deposit mix
92%Interest-bearing $187.4M8%Noninterest $17.1MQ1 2002Q1 2003

NIM

7.64%Q1 ’016.52%Q1 ’021.59%Q1 ’03+5%-70%

Non-interest income vs. expense

2.32%Q1 ’012.52%Q1 ’020.74%Q1 ’03+21%-76%

Executive Summary

  • Earnings: ROA of 0.32%, down 39 bps year over year; NIM at 0.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Funding: loans stand at 94.15% of deposits as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

0.32%-39 bps YoY

Net Interest Margin (YTD, annualized)

0.93%-220 bps YoY

Efficiency Ratio (YTD, annualized)

53.10%-1,583 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.71%0.77%0.76%0.68%0.32%-39 bps
Return on Equity8.84%9.55%9.34%8.26%2.70%-614 bps
Net Interest Margin3.12%3.13%3.13%3.04%0.93%-220 bps
Efficiency Ratio68.92%68.58%68.83%71.24%53.10%-1,583 bps
Non-Interest Burden1.99%1.93%1.94%1.96%0.48%-151 bps
Growth
Asset Growth (YoY)-3.81%-1.14%-2.33%-3.53%5.79%+961 bps
Loan Growth (YoY)-14.35%-13.91%-15.57%-14.64%-14.77%-42 bps
Deposit Growth (YoY)-5.78%-3.06%-2.94%-4.44%-4.15%+163 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.50%0.26%0.20%0.13%0.30%-20 bps
Allowance / Loans1.08%1.09%1.12%1.20%1.19%+12 bps
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 Capital14.40%14.70%15.48%16.16%11.99%-241 bps
Equity / Assets7.73%8.08%8.60%8.73%14.37%+664 bps
Liquidity & Funding
Loans / Deposits105.88%105.38%102.30%98.45%94.15%-1,173 bps
Liquid Assets / Assets11.06%12.04%13.87%12.41%14.98%+392 bps
CRE / Total Capitaln/an/an/an/an/an/an/a