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Omni Bank of Baton Rouge

Baton Rouge, LA · Cert 58202

FDIC

Q1 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Omni Bank of Baton Rouge

Baton Rouge, LA · Cert 58202

FDIC

Q1 2008

$44.3MAssets
$31.9MLoans
$39.9MDeposits
$4.0MEquity
Deposit mix
88%Interest-bearing $35.2M12%Noninterest $4.8MQ1 2007Q1 2008

NIM

7.23%Q1 ’069.17%Q1 ’076.24%Q1 ’08-8%-58%

Non-interest income vs. expense

17.71%Q1 ’069.76%Q1 ’075.85%Q1 ’08-46%-42%

Executive Summary

  • Earnings: ROA of -2.09%, up 79 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 79.85% of deposits as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-2.09%+79 bps YoY

Net Interest Margin (YTD, annualized)

2.48%-342 bps YoY

Efficiency Ratio (YTD, annualized)

211%+5,004 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-2.88%-2.57%-2.38%-2.09%-2.09%+79 bps
Return on Equity-21.73%-24.39%-24.53%-22.05%-23.60%-187 bps
Net Interest Margin5.90%4.21%4.19%3.45%2.48%-342 bps
Efficiency Ratio160.53%166.71%166.74%163.94%211%+5,004 bps
Non-Interest Burden9.58%7.11%7.06%5.75%5.55%-403 bps
Growth
Asset Growth (YoY)179.87%173.60%162.19%90.86%29.13%-15,073 bps
Loan Growth (YoY)417%295%195.35%80.15%27.65%-38,947 bps
Deposit Growth (YoY)297%233%220%128.22%32.23%-26,443 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.15%1.17%1.16%1.18%1.21%+6 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 Capital15.33%10.99%10.34%12.41%12.09%-324 bps
Equity / Assets11.23%7.28%7.62%8.70%8.99%-224 bps
Liquidity & Funding
Loans / Deposits82.71%67.92%82.74%74.48%79.85%-286 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a