PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

1.65%Q4 ’011.11%Q4 ’021.58%Q4 ’03-36%+69%

Non-interest income vs. expense

263%Q4 ’01169.66%Q4 ’02140.40%Q4 ’03+26%+75%

Executive Summary

  • Earnings: ROA of 2.32%, down 397 bps year over year; NIM at 1.46%.
  • Funding: loans stand at 0.00% of deposits as of Q4 2003.

Financial Results

Return on Assets (quarter, annualized)

2.32%-397 bps YoY

Net Interest Margin (quarter, annualized)

1.46%+59 bps YoY

Efficiency Ratio (quarter, annualized)

97.46%+292 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets6.29%2.46%1.59%0.61%2.32%-397 bps
Return on Equity7.64%2.96%1.91%0.73%2.77%-487 bps
Net Interest Margin0.87%0.25%0.69%0.73%1.46%+59 bps
Efficiency Ratio94.55%96.71%97.91%98.99%97.46%+292 bps
Non-Interest Burden-8.92%-3.45%-1.60%-0.37%-2.19%+672 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