Leesville, LA · Cert 10526
FDIC · 2 branches
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.62% | 1.42% | 1.51% | 1.36% | 1.47% | 1.39% | 1.11% | -40 bps | |
| Return on Equity | 16.27% | 17.53% | 15.62% | 16.24% | 14.28% | 15.21% | 14.06% | 10.80% | -544 bps | |
| Net Interest Margin | 4.50% | 4.50% | 4.45% | 4.51% | 4.57% | 4.60% | 4.48% | 4.39% | -12 bps | |
| Efficiency Ratio | 67.88% | 62.37% | 69.69% | 67.31% | 68.86% | 66.64% | 69.70% | 75.87% | +856 bps | |
| Non-Interest Burden | 2.75% | 2.41% | 2.80% | 2.69% | 2.86% | 2.76% | 2.85% | 3.13% | +45 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 | 0.44% | 1.85% | 0.18% | 0.60% | 0.06% | 0.27% | 0.00% | 1.73% | +112 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 |