Deridder, LA · Cert 10534
FDIC · 9 branches
Q4 2017
Market Position · Lake Charles, LA · 2017 SOD (annual) · 3.4% share · #9 of 16 inst. · $0.1B of $3.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 1.68% | 1.85% | 1.81% | 1.62% | 1.92% | 2.13% | 1.98% | +18 bps | |
| Return on Equity | 18.94% | 15.49% | 18.22% | 19.19% | 16.88% | 18.98% | 20.21% | 18.81% | -38 bps | |
| Net Interest Margin | 4.57% | 4.38% | 4.61% | 4.50% | 4.45% | 4.76% | 4.81% | 4.76% | +26 bps | |
| Efficiency Ratio | 59.08% | 65.01% | 63.42% | 58.98% | 66.81% | 61.64% | 58.07% | 60.27% | +129 bps | |
| Non-Interest Burden | 2.28% | 2.48% | 2.53% | 2.23% | 2.62% | 2.50% | 2.31% | 2.42% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | 5.16% | 5.09% | 3.61% | 1.28% | -1.82% | 0.87% | 0.42% | -319 bps | |
| Loan Growth (YoY) | -0.98% | 3.77% | 3.61% | 5.04% | 7.24% | 6.59% | 9.15% | 7.56% | +253 bps | |
| Deposit Growth (YoY) | 1.49% | 4.77% | 6.84% | 5.63% | 2.68% | -1.30% | -0.34% | -0.73% | -636 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.94% | 1.10% | 1.07% | 1.56% | +156 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.12% | 0.16% | 0.52% | 0.13% | 0.23% | 0.32% | 0.56% | +4 bps | |
| Allowance / Loans | 1.28% | 1.29% | 1.32% | 1.35% | 1.33% | 1.34% | 1.33% | 1.32% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.4x | 1.2x | 1.2x | 0.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.98% | 10.76% | 9.43% | 9.42% | 9.95% | 10.49% | 10.86% | 10.58% | +116 bps | |
| Total Risk-Based Capital | 16.21% | 16.45% | 14.46% | 14.47% | 15.40% | 15.58% | 15.56% | 15.64% | +117 bps | |
| Equity / Assets | 10.90% | 10.86% | 9.47% | 9.37% | 9.81% | 10.46% | 10.62% | 10.46% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.96% | 84.59% | 83.95% | 83.33% | 86.65% | 91.36% | 91.95% | 90.30% | +696 bps | |
| Liquid Assets / Assets | 3.11% | 4.78% | 6.35% | 9.10% | 6.24% | 0.47% | 1.58% | 1.54% | -757 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |