Baton Rouge, LA · Cert 34886
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 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.
Baton Rouge, LA · Cert 34886
FDIC
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.72% | 0.74% | 0.71% | 0.69% | 0.67% | 0.62% | 0.71% | -1 bps | |
| Return on Equity | 9.26% | 8.91% | 9.45% | 9.03% | 8.70% | 8.21% | 7.68% | 8.73% | -30 bps | |
| Net Interest Margin | 3.07% | 3.20% | 3.06% | 3.09% | 3.18% | 3.32% | 3.30% | 3.47% | +38 bps | |
| Efficiency Ratio | 59.85% | 59.21% | 58.29% | 59.08% | 59.52% | 61.62% | 62.71% | 60.17% | +109 bps | |
| Non-Interest Burden | 1.69% | 1.74% | 1.63% | 1.66% | 1.73% | 1.85% | 1.90% | 1.92% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.85% | 13.70% | 23.44% | 12.26% | 4.92% | 7.41% | 0.63% | 6.56% | -570 bps | |
| Loan Growth (YoY) | 12.86% | 10.70% | 15.12% | 16.16% | 17.29% | 27.45% | 23.73% | 20.11% | +395 bps | |
| Deposit Growth (YoY) | 12.80% | 22.15% | 36.77% | 19.08% | 21.02% | 22.86% | 5.84% | 18.86% | -22 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 | 0.25% | 0.88% | 0.45% | 0.45% | 0.44% | 0.23% | 0.88% | 0.74% | +30 bps | |
| Allowance / Loans | 1.45% | 1.37% | 1.42% | 1.36% | 1.37% | 1.35% | 1.10% | 1.12% | -24 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 | 11.45% | 11.75% | 11.21% | 11.13% | 11.26% | 10.58% | 10.16% | 10.14% | -99 bps | |
| Equity / Assets | 8.12% | 7.98% | 7.47% | 7.98% | 8.35% | 8.00% | 7.93% | 8.09% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.90% | 97.55% | 88.17% | 102.08% | 103.61% | 101.19% | 103.07% | 103.16% | +108 bps | |
| Liquid Assets / Assets | 0.13% | 0.12% | 0.11% | 0.02% | 0.03% | 0.02% | 0.02% | 0.03% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |