PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

-2.09%+79 bps YoY

Net Interest Margin (quarter, annualized)

2.48%-342 bps YoY

Efficiency Ratio (quarter, annualized)

211%+5,004 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-2.88%-2.42%-1.85%-1.36%-2.09%+79 bps
Return on Equity-21.73%-27.18%-24.88%-16.63%-23.60%-187 bps
Net Interest Margin5.90%4.27%4.45%3.62%2.48%-342 bps
Efficiency Ratio160.53%172.71%166.81%156.37%211%+5,004 bps
Non-Interest Burden9.58%7.47%7.48%5.81%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