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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

5.30%Q3 ’024.63%Q3 ’035.19%Q3 ’04-4%+25%

Non-interest income vs. expense

2.05%Q3 ’022.18%Q3 ’032.37%Q3 ’04+4%+18%

Executive Summary

  • Earnings: ROA of 0.87%, up 23 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 103.16% of deposits as of Q3 2004.

Financial Results

Return on Assets (quarter, annualized)

0.87%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.92%+78 bps YoY

Efficiency Ratio (quarter, annualized)

55.75%-483 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.63%0.63%0.67%0.57%0.87%+23 bps
Return on Equity8.22%7.75%8.21%7.16%10.81%+259 bps
Net Interest Margin3.14%3.27%3.32%3.38%3.92%+78 bps
Efficiency Ratio60.57%60.84%61.62%63.78%55.75%-483 bps
Non-Interest Burden1.73%1.85%1.85%2.00%2.04%+31 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 / Loans0.51%0.45%0.23%1.53%0.54%+3 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