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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.66% | 2.46% | 2.02% | 1.55% | 1.74% | -191 bps | |
| Return on Equity | 4.45% | 2.96% | 2.43% | 1.86% | 2.09% | -236 bps | |
| Net Interest Margin | 0.68% | 0.25% | 0.46% | 0.57% | 0.79% | +11 bps | |
| Efficiency Ratio | 96.25% | 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/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 956% | 549% | 10111% | 2849% | 295% | -66,089 bps | |
| Equity / Assets | 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 bps | |
| Liquid Assets / Assets | 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 |