Baton Rouge, LA · Cert 35140
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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 35140
FDIC
Q4 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.52% | 0.57% | 0.59% | 0.66% | 0.65% | 0.66% | 0.69% | +10 bps | |
| Return on Equity | 3.82% | 4.05% | 4.38% | 4.55% | 5.09% | 5.18% | 5.37% | 5.55% | +100 bps | |
| Net Interest Margin | 3.74% | 3.81% | 3.82% | 3.66% | 3.72% | 3.57% | 3.37% | 3.40% | -26 bps | |
| Efficiency Ratio | 78.93% | 77.52% | 75.58% | 74.22% | 75.17% | 74.29% | 73.65% | 72.72% | -150 bps | |
| Non-Interest Burden | 2.88% | 2.87% | 2.79% | 2.59% | 2.59% | 2.47% | 2.30% | 2.29% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.54% | 18.14% | 10.65% | 5.17% | -0.14% | 19.07% | 14.02% | 12.64% | +747 bps | |
| Loan Growth (YoY) | 66.26% | 55.30% | 44.90% | 21.55% | 2.09% | 6.56% | -2.51% | -0.31% | -2,186 bps | |
| Deposit Growth (YoY) | 31.65% | 9.87% | 10.89% | -2.03% | 2.45% | 32.37% | 17.69% | 19.50% | +2,153 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 | 0.00% | 0.00% | 0.01% | 0.00% | 0.02% | 0.01% | 0.11% | 0.07% | +6 bps | |
| Allowance / Loans | 0.91% | 0.91% | 0.92% | 1.00% | 1.19% | 1.11% | 1.10% | 1.07% | +8 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 | 16.51% | 17.04% | 16.59% | 15.72% | 17.43% | 15.09% | 15.13% | 15.52% | -21 bps | |
| Equity / Assets | 12.39% | 13.22% | 13.12% | 12.94% | 13.05% | 11.67% | 11.99% | 12.16% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.73% | 93.88% | 94.93% | 98.90% | 80.45% | 75.58% | 78.64% | 82.50% | -1,639 bps | |
| Liquid Assets / Assets | 0.17% | 0.18% | 0.13% | 0.15% | 0.11% | 0.08% | 0.06% | 0.05% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |