Baton Rouge, LA · Cert 32511
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.62% | -1.42% | 0.25% | 0.47%1 | 0.13%1 | 1.24% | -1.40% | -165 bps | |
| Return on Equity | 2.54% | 5.71% | -13.19% | 2.41% | 4.28% | 1.13% | 10.83% | -14.34% | -1,675 bps | |
| Net Interest Margin | 4.06% | 4.23% | 4.19% | 4.06% | 4.23% | 4.48% | 5.69% | 3.57% | -49 bps | |
| Efficiency Ratio | 94.11% | 86.64% | 91.07% | 90.42% | 94.77% | 98.61% | 69.06% | 125.96% | +3,553 bps | |
| Non-Interest Burden | 3.80% | 3.54% | 3.75% | 3.59% | 3.96% | 4.41% | 3.76% | 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 | 0.35% | 1.03% | 0.07% | 3.79% | 0.14% | 0.29% | -0.04% | 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 |