Baton Rouge, LA · Cert 33029
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.85% | 1.04% | 1.11% | 1.16% | 0.91% | 0.94% | 0.78% | -33 bps | |
| Return on Equity | 1.14% | 6.20% | 7.33% | 7.91% | 8.32% | 6.64% | 7.07% | 5.85% | -206 bps | |
| Net Interest Margin | 3.58% | 3.30% | 3.39% | 3.52% | 3.51% | 3.19% | 3.35% | 3.14% | -38 bps | |
| Efficiency Ratio | 81.90% | 68.35% | 62.99% | 54.29% | 57.95% | 62.22% | 67.09% | 71.97% | +1,768 bps | |
| Non-Interest Burden | 2.97% | 2.13% | 1.96% | 1.58% | 1.83% | 1.81% | 2.09% | 2.18% | +60 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% | 0.21% | 0.88% | 0.19% | 0.00% | 0.04% | 0.06% | -81 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 |