Lafayette, LA · Cert 28361
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.85% | 0.86% | 0.71% | 0.83% | 0.75% | 0.44% | 0.32% | -39 bps | |
| Return on Equity | 9.04% | 10.72% | 10.50% | 8.84% | 10.47% | 9.05% | 5.10% | 2.70% | -614 bps | |
| Net Interest Margin | 2.96% | 3.18% | 3.35% | 3.12% | 3.11% | 3.07% | 2.72% | 0.93% | -220 bps | |
| Efficiency Ratio | 71.24% | 64.33% | 58.51% | 68.92% | 68.26% | 69.34% | 79.23% | 53.10% | -1,583 bps | |
| Non-Interest Burden | 1.95% | 1.84% | 1.78% | 1.99% | 1.86% | 1.91% | 2.00% | 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 | 0.01% | 0.07% | -0.03% | 0.50% | 0.01% | 0.06% | -0.11% | 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 |