Bank of West Baton Rouge

Port Allen, LA · Cert 313

FDIC · 10 branches

Q1 2015

$373.7MAssets

$152.9MLoans

$283.3MDeposits

$44.9MEquity

Loan mix

Deposit mix

NIM

Market Position · Baton Rouge, LA · 2014 SOD (annual) · 1.4% share · #8 of 39 inst. · $0.3B of $18.7B

61.9% West Baton Rouge

0.5% East Baton Rouge

0.9% Ascension

1.0% Livingston

Earnings: ROA of 0.73%, up 27 bps year over year; NIM at 2.69%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.

Return on Assets (quarter, annualized)

0.73%¹+27 bps YoY

Net Interest Margin (quarter, annualized)

2.69%-28 bps YoY

Efficiency Ratio (quarter, annualized)

103.94%+1,802 bps YoY

Tier 1 Leverage Ratio

11.83%

Discrete quarter, annualized.

Metric	Q1 2014	Q2 2014	Q3 2014	Q4 2014	Q1 2015	YoY Δ	Trend
Earnings
Return on Assets	0.46%	0.58%	0.54%	0.82%¹	0.73%¹	+27 bps
Return on Equity	4.17%	5.04%	4.49%	6.70%	6.02%	+185 bps
Net Interest Margin	2.97%	2.93%	2.95%	3.01%	2.69%	-28 bps
Efficiency Ratio	85.92%	88.23%	83.52%	85.30%	103.94%	+1,802 bps
Non-Interest Burden	2.46%	2.49%	2.36%	2.45%	2.82%	+37 bps
Growth
Asset Growth (YoY)	-4.74%	-2.65%	-3.32%	-4.55%	-0.96%	+378 bps
Loan Growth (YoY)	-14.68%	-10.74%	-9.92%	-8.46%	-11.54%	+314 bps
Deposit Growth (YoY)	2.23%	-0.27%	-1.12%	1.17%	2.82%	+59 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.22%	0.19%	0.33%	-0.07%	0.15%	-7 bps
Allowance / Loans	1.24%	1.22%	1.21%	1.30%	1.31%	+8 bps
Allowance Coverage of NPLs	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	11.83%	n/a	n/a
Total Risk-Based Capital	21.40%	21.72%	22.64%	24.06%	23.89%	+249 bps
Equity / Assets	11.24%	11.83%	12.17%	12.19%	12.01%	+77 bps
Liquidity & Funding
Loans / Deposits	62.74%	65.68%	65.03%	57.14%	53.98%	-876 bps
Liquid Assets / Assets	15.74%	14.36%	16.10%	18.20%	25.35%	+961 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a