Leesville, LA · Cert 10526
FDIC · 2 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Leesville, LA · Cert 10526
FDIC · 2 branches
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.34% | 1.42% | 1.47% | 1.43% | 1.44% | 1.39% | 1.25% | -21 bps | |
| Return on Equity | 13.43% | 14.46% | 15.62% | 15.93% | 15.34% | 15.35% | 14.06% | 12.48% | -344 bps | |
| Net Interest Margin | 4.39% | 4.45% | 4.45% | 4.44% | 4.47% | 4.48% | 4.48% | 4.47% | +3 bps | |
| Efficiency Ratio | 71.91% | 69.48% | 69.69% | 68.47% | 68.60% | 68.10% | 69.70% | 72.71% | +424 bps | |
| Non-Interest Burden | 2.89% | 2.79% | 2.80% | 2.72% | 2.76% | 2.74% | 2.85% | 3.01% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.91% | -2.50% | -2.72% | 1.59% | 6.79% | 5.97% | 2.64% | -2.54% | -413 bps | |
| Loan Growth (YoY) | -0.07% | 4.77% | 8.89% | 10.95% | 14.93% | 15.83% | 8.08% | 0.04% | -1,091 bps | |
| Deposit Growth (YoY) | 2.33% | 2.10% | 1.56% | 1.47% | 6.61% | 5.32% | 1.53% | -3.27% | -474 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 | 0.15% | 0.57% | 0.18% | 0.39% | 0.27% | 0.27% | 0.00% | 0.86% | +47 bps | |
| Allowance / Loans | 1.35% | 1.04% | 1.05% | 0.98% | 1.06% | 1.09% | 1.20% | 0.86% | -11 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 | 9.79% | 9.89% | n/a | |
| Total Risk-Based Capital | 16.72% | 16.01% | 15.82% | 15.55% | 15.84% | 15.71% | 16.90% | 17.26% | +171 bps | |
| Equity / Assets | 9.43% | 9.10% | 9.12% | 9.45% | 9.59% | 9.68% | 10.08% | 10.40% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.11% | 75.06% | 75.56% | 79.69% | 79.89% | 82.54% | 80.43% | 82.42% | +273 bps | |
| Liquid Assets / Assets | 4.12% | 3.78% | 3.33% | 3.00% | 2.59% | 2.61% | 1.97% | 2.07% | -92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |