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Business Bank of Baton Rouge, The

Baton Rouge, LA · Cert 34886

FDIC

Q3 2004

$165.4MAssets
$134.9MLoans
$130.8MDeposits
$13.4MEquity
Loan mix
22%RE $13.8M78%C&I $49.3M0%Consumer $0.1MQ3 2003Q3 2004
Deposit mix
78%Interest-bearing $102.4M22%Noninterest $28.4MQ3 2003Q3 2004

NIM

5.11%Q3 ’024.65%Q3 ’034.77%Q3 ’04+1%+12%

Non-interest income vs. expense

1.94%Q3 ’022.06%Q3 ’032.34%Q3 ’04+6%+16%

Executive Summary

  • Earnings: ROA of 0.71%, down 1 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.74%.
  • Funding: loans stand at 103.16% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

0.71%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+38 bps YoY

Efficiency Ratio (YTD, annualized)

60.17%+109 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.71%0.69%0.67%0.62%0.71%-1 bps
Return on Equity9.03%8.70%8.21%7.68%8.73%-30 bps
Net Interest Margin3.09%3.18%3.32%3.30%3.47%+38 bps
Efficiency Ratio59.08%59.52%61.62%62.71%60.17%+109 bps
Non-Interest Burden1.66%1.73%1.85%1.90%1.92%+26 bps
Growth
Asset Growth (YoY)12.26%4.92%7.41%0.63%6.56%-570 bps
Loan Growth (YoY)16.16%17.29%27.45%23.73%20.11%+395 bps
Deposit Growth (YoY)19.08%21.02%22.86%5.84%18.86%-22 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.45%0.44%0.23%0.88%0.74%+30 bps
Allowance / Loans1.36%1.37%1.35%1.10%1.12%-24 bps
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 Capital11.13%11.26%10.58%10.16%10.14%-99 bps
Equity / Assets7.98%8.35%8.00%7.93%8.09%+11 bps
Liquidity & Funding
Loans / Deposits102.08%103.61%101.19%103.07%103.16%+108 bps
Liquid Assets / Assets0.02%0.03%0.02%0.02%0.03%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a