Lecompte, LA · Cert 9318
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 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.
Lecompte, LA · Cert 9318
FDIC
Q3 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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.44% | 0.51% | 0.49% | 0.55% | 0.80% | 0.89% | 0.70% | +21 bps | |
| Return on Equity | n/a | 2.85% | 3.31% | 3.19% | 3.62% | 5.65% | 6.44% | 5.01% | +182 bps | |
| Net Interest Margin | 4.68% | 4.05% | 3.93% | 4.03% | 4.10% | 4.01% | 3.78% | 4.03% | 0 bps | |
| Efficiency Ratio | 76.82% | 80.98% | 81.34% | 82.05% | 82.89% | 81.97% | 80.78% | 85.40% | +335 bps | |
| Non-Interest Burden | 3.39% | 3.11% | 3.06% | 3.15% | 3.25% | 3.14% | 2.90% | 3.32% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.45% | 3.88% | 0.29% | 2.28% | 4.66% | 3.08% | 7.61% | 0.26% | -202 bps | |
| Loan Growth (YoY) | 13.55% | 8.15% | -4.96% | -3.08% | -1.59% | 7.07% | 12.68% | 4.81% | +788 bps | |
| Deposit Growth (YoY) | 2.21% | 4.58% | 0.36% | 2.87% | 7.16% | 4.61% | 9.93% | 1.70% | -117 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 | 0.35% | 0.04% | 0.12% | 0.11% | 0.14% | 0.02% | 0.09% | 0.03% | -7 bps | |
| Allowance / Loans | 1.17% | 1.26% | 1.25% | 1.26% | 1.30% | 1.25% | 1.16% | 1.23% | -3 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 | 29.09% | 29.62% | 31.20% | 30.32% | 28.30% | 27.10% | 27.54% | 29.20% | -111 bps | |
| Equity / Assets | 16.03% | 14.94% | 14.90% | 15.50% | 14.42% | 13.85% | 13.22% | 14.43% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.79% | 54.07% | 52.80% | 56.66% | 54.90% | 55.34% | 54.12% | 58.40% | +173 bps | |
| Liquid Assets / Assets | 3.62% | 3.85% | 5.71% | 6.71% | 7.07% | 6.37% | 7.48% | 9.41% | +270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |