Baton Rouge, LA · Cert 32511
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Baton Rouge, LA · Cert 32511
FDIC
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.36% | -0.07% | 0.25% | 0.36% | 0.29%1 | 0.52% | -1.40% | -165 bps | |
| Return on Equity | 2.41% | 3.54% | -0.66% | 2.41% | 3.35% | 2.60% | 4.68% | -14.34% | -1,675 bps | |
| Net Interest Margin | 3.89% | 4.09% | 4.14% | 4.06% | 4.19% | 4.43% | 4.75% | 3.57% | -49 bps | |
| Efficiency Ratio | 94.65% | 91.71% | 91.55% | 90.42% | 92.60% | 94.62% | 87.43% | 125.96% | +3,553 bps | |
| Non-Interest Burden | 3.66% | 3.70% | 3.73% | 3.59% | 3.82% | 4.14% | 4.05% | 5.41% | +182 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.01% | -7.69% | -11.37% | -7.60% | -11.35% | -10.77% | -1.86% | -13.44% | -584 bps | |
| Loan Growth (YoY) | -15.12% | -8.29% | -9.64% | -10.27% | -2.79% | -5.89% | -3.37% | -7.52% | +274 bps | |
| Deposit Growth (YoY) | -1.14% | -8.97% | -12.96% | -8.57% | -8.38% | -7.46% | 2.09% | -7.18% | +139 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 | 0.93% | 0.95% | 0.76% | 3.79% | 1.90% | 1.36% | 1.03% | 8.42% | +463 bps | |
| Allowance / Loans | 1.61% | 1.33% | 2.38% | 1.65% | 1.63% | 1.64% | 1.92% | 0.01% | -164 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 | 14.75% | 14.36% | 14.46% | 14.83% | 14.87% | 15.71% | 16.26% | 11.29% | -354 bps | |
| Equity / Assets | 10.49% | 11.13% | 10.46% | 10.50% | 11.55% | 11.85% | 11.04% | 8.24% | -225 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.24% | 83.18% | 79.46% | 75.59% | 81.96% | 84.58% | 75.21% | 75.31% | -28 bps | |
| Liquid Assets / Assets | 5.84% | 2.74% | 4.74% | 4.36% | 1.49% | 2.25% | 9.05% | 14.43% | +1,007 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |