Monroe, LA · Cert 34794
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Monroe, LA · Cert 34794
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.98% | 0.98% | 0.99% | 0.96% | 1.32% | 1.24% | 1.18% | +19 bps | |
| Return on Equity | 9.25% | 11.04% | 10.83% | 10.79% | 9.92% | 13.48% | 12.58% | 11.65% | +87 bps | |
| Net Interest Margin | 4.37% | 4.41% | 4.41% | 4.45% | 4.50% | 4.33% | 4.31% | 4.50% | +5 bps | |
| Efficiency Ratio | 70.04% | 66.31% | 65.69% | 67.54% | 66.26% | 58.87% | 59.61% | 60.97% | -658 bps | |
| Non-Interest Burden | 2.70% | 2.53% | 2.50% | 2.62% | 2.58% | 1.86% | 1.94% | 2.14% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 79.00% | 85.55% | 102.71% | 7.11% | 13.17% | 7.68% | 6.12% | -1.51% | -862 bps | |
| Loan Growth (YoY) | 103.45% | 103.35% | 109.98% | 15.19% | 8.10% | 0.94% | -1.02% | -2.21% | -1,740 bps | |
| Deposit Growth (YoY) | 96.28% | 97.29% | 102.95% | -4.12% | 1.05% | 0.24% | 0.88% | -1.62% | +250 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 | 0.09% | 0.12% | 0.23% | 0.29% | 0.52% | 0.61% | 0.43% | 0.43% | +14 bps | |
| Allowance / Loans | 0.93% | 0.97% | 0.94% | 0.98% | 0.96% | 0.98% | 1.10% | 1.24% | +26 bps | |
| 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 | 12.44% | 12.49% | 12.49% | 12.92% | 12.99% | 13.79% | 14.11% | 15.20% | +228 bps | |
| Equity / Assets | 9.84% | 9.67% | 9.63% | 9.76% | 9.60% | 9.99% | 10.19% | 11.12% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.89% | 106.81% | 111.30% | 107.56% | 107.93% | 107.56% | 109.21% | 106.92% | -64 bps | |
| Liquid Assets / Assets | 0.18% | 0.08% | 0.08% | 0.34% | 0.10% | 4.76% | 0.13% | 0.22% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |