Baton Rouge, LA · Cert 33029
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 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 33029
FDIC
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.48% | 0.65% | 0.76% | 1.16% | 1.04% | 1.00% | 0.95% | +19 bps | |
| Return on Equity | 1.14% | 3.56% | 4.78% | 5.56% | 8.32% | 7.54% | 7.36% | 6.97% | +141 bps | |
| Net Interest Margin | 3.58% | 3.64% | 3.61% | 3.50% | 3.51% | 3.37% | 3.38% | 3.30% | -20 bps | |
| Efficiency Ratio | 81.90% | 75.62% | 71.62% | 67.19% | 57.95% | 60.01% | 62.38% | 64.68% | -252 bps | |
| Non-Interest Burden | 2.97% | 2.71% | 2.50% | 2.22% | 1.83% | 1.83% | 1.92% | 1.98% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 349% | -13.94% | -12.78% | -11.20% | -0.35% | 1.18% | 2.13% | -1.50% | +970 bps | |
| Loan Growth (YoY) | 270% | -18.57% | -12.83% | -12.84% | 4.02% | 7.63% | 4.85% | 10.22% | +2,306 bps | |
| Deposit Growth (YoY) | 340% | -13.68% | -11.96% | -9.28% | -0.62% | -0.28% | -0.75% | -2.93% | +636 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 | 0.19% | 0.18% | 0.19% | 0.36% | 0.19% | 0.10% | 0.08% | 0.07% | -29 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 14.05% | 14.27% | 13.94% | 14.32% | 14.41% | 13.02% | 12.93% | 12.25% | -207 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.76% | 70.74% | 74.04% | 68.91% | 71.97% | 76.35% | 78.22% | 78.25% | +933 bps | |
| Liquid Assets / Assets | 11.08% | 13.06% | 12.21% | 10.47% | 12.17% | 11.59% | 16.99% | 16.26% | +579 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |