Baton Rouge, LA · Charter 63077
Q4 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.50% | 0.43% | 0.67% | 0.35% | -1.18% | -1.21% | -0.87% | -154 bps | |
| Return on Equity | 3.19% | 4.98% | 4.16% | 6.48% | 3.25% | -10.97% | -11.29% | -10.19% | -1,667 bps | |
| Net Interest Margin | 5.94% | 5.41% | 5.59% | 5.42% | 5.53% | 6.29% | 6.58% | 6.21% | +79 bps | |
| Efficiency Ratio | 96.35% | 91.12% | 92.69% | 93.09% | 94.50% | 94.74% | 98.38% | 97.59% | +451 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.23% | 8.82% | 4.73% | 4.85% | 0.56% | -8.52% | -7.49% | -15.29% | -2,014 bps | |
| Loan Growth (YoY) | -2.91% | 3.49% | -12.86% | -12.31% | 1.45% | 4.82% | 4.84% | 0.37% | +1,268 bps | |
| Share Growth (YoY) | 13.27% | 8.98% | 6.21% | 7.45% | -0.29% | -11.97% | -9.85% | -13.26% | -2,071 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.95% | 2.42% | 2.91% | 4.72% | 5.13% | 5.04% | 3.64% | 10.60% | +588 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.08% | 1.32% | 1.34% | 1.01% | 0.71% | 0.76% | 0.92% | 1.04% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.05% | 9.96% | 10.43% | 10.38% | 10.69% | 10.72% | 10.69% | 8.51% | -187 bps | |
| Net Worth / Assets | 10.05% | 9.96% | 10.43% | 10.38% | 10.69% | 10.72% | 10.69% | 8.51% | -187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.68% | 83.52% | 86.73% | 85.45% | 94.30% | 99.45% | 100.87% | 98.88% | +1,343 bps | |
| Liquid Assets / Assets | 11.74% | 18.91% | 16.32% | 5.93% | 9.77% | 5.63% | 2.45% | 2.46% | -348 bps | |