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Dillard National Bank

Baton Rouge, LA · Cert 34494

FDIC

Q4 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2003, the quarter ended December 31, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dillard National Bank

Baton Rouge, LA · Cert 34494

FDIC

Q4 2003

$3.3MAssets
n/aLoans
$500KDeposits
$2.8MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ4 2002Q4 2003

NIM

2.84%Q4 ’011.11%Q4 ’020.97%Q4 ’03-74%+16%

Non-interest income vs. expense

195.59%Q4 ’01142.91%Q4 ’02117.41%Q4 ’03+41%+61%

Executive Summary

  • Earnings: ROA of 1.74%, down 191 bps year over year; NIM at 0.79%.
  • Funding: loans stand at 0.00% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

1.74%-191 bps YoY

Net Interest Margin (YTD, annualized)

0.79%+11 bps YoY

Efficiency Ratio (YTD, annualized)

97.74%+150 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets3.66%2.46%2.02%1.55%1.74%-191 bps
Return on Equity4.45%2.96%2.43%1.86%2.09%-236 bps
Net Interest Margin0.68%0.25%0.46%0.57%0.79%+11 bps
Efficiency Ratio96.25%96.71%97.32%97.86%97.74%+150 bps
Non-Interest Burden-4.89%-3.45%-2.41%-1.83%-1.92%+297 bps
Growth
Asset Growth (YoY)3.39%2.93%2.68%0.28%1.76%-163 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital956%549%10111%2849%295%-66,089 bps
Equity / Assets83.42%83.29%82.93%83.84%83.71%+29 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets3.65%3.62%3.58%94.57%0.00%-365 bps
CRE / Total Capitaln/an/an/an/an/an/an/a