Baton Rouge, LA · Cert 34494
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Baton Rouge, LA · Cert 34494
FDIC
Q4 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.80% | 2.65% | 2.76% | 3.66% | 2.46% | 2.02% | 1.55% | 1.74% | -191 bps | |
| Return on Equity | 3.40% | 3.23% | 3.37% | 4.45% | 2.96% | 2.43% | 1.86% | 2.09% | -236 bps | |
| Net Interest Margin | 0.39% | 0.51% | 0.63% | 0.68% | 0.25% | 0.46% | 0.57% | 0.79% | +11 bps | |
| Efficiency Ratio | 96.87% | 97.07% | 96.98% | 96.25% | 96.71% | 97.32% | 97.86% | 97.74% | +150 bps | |
| Non-Interest Burden | -4.02% | -3.61% | -3.59% | -4.89% | -3.45% | -2.41% | -1.83% | -1.92% | +297 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.84% | 22.79% | 22.80% | 3.39% | 2.93% | 2.68% | 0.28% | 1.76% | -163 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 400% | 400% | 400% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 1697% | 9704% | 4338% | 956% | 549% | 10111% | 2849% | 295% | -66,089 bps | |
| Equity / Assets | 82.11% | 81.78% | 81.34% | 83.42% | 83.29% | 82.93% | 83.84% | 83.71% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 3.63% | 3.59% | 3.54% | 3.65% | 3.62% | 3.58% | 94.57% | 0.00% | -365 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |