Baton Rouge, LA · Cert 58202
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Baton Rouge, LA · Cert 58202
FDIC
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.44% | -7.17% | -5.00% | -2.88% | -2.57% | -2.38% | -2.09% | -2.09% | +79 bps | |
| Return on Equity | -22.42% | -21.44% | -17.95% | -21.73% | -24.39% | -24.53% | -22.05% | -23.60% | -187 bps | |
| Net Interest Margin | 4.38% | 4.36% | 4.28% | 5.90% | 4.21% | 4.19% | 3.45% | 2.48% | -342 bps | |
| Efficiency Ratio | 259% | 221% | 207% | 160.53% | 166.71% | 166.74% | 163.94% | 211% | +5,004 bps | |
| Non-Interest Burden | 11.43% | 9.71% | 8.93% | 9.58% | 7.11% | 7.06% | 5.75% | 5.55% | -403 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 303% | 179.87% | 173.60% | 162.19% | 90.86% | 29.13% | -15,073 bps | |
| Loan Growth (YoY) | n/a | n/a | 548% | 417% | 295% | 195.35% | 80.15% | 27.65% | -38,947 bps | |
| Deposit Growth (YoY) | n/a | n/a | 1233% | 297% | 233% | 220% | 128.22% | 32.23% | -26,443 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 3.54% | 3.10% | 1.17% | 1.15% | 1.17% | 1.16% | 1.18% | 1.21% | +6 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 | 43.31% | 33.73% | 21.25% | 15.33% | 10.99% | 10.34% | 12.41% | 12.09% | -324 bps | |
| Equity / Assets | 24.03% | 24.44% | 15.98% | 11.23% | 7.28% | 7.62% | 8.70% | 8.99% | -224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.35% | 89.68% | 94.35% | 82.71% | 67.92% | 82.74% | 74.48% | 79.85% | -286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |