Saint Martinville, LA · Cert 12610
FDIC · 12 branches
Q3 2017
Market Position · Lafayette, LA · 2017 SOD (annual) · 3.7% share · #7 of 39 inst. · $0.4B of $11.5B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.40% | 2.64% | 2.63% | 2.70% | 2.32% | 2.09% | 2.16% | 2.35% | -35 bps | |
| Return on Equity | 24.87% | 27.02% | 26.51% | 26.88% | 23.34% | 21.57% | 22.09% | 23.53% | -336 bps | |
| Net Interest Margin | 4.66% | 4.61% | 4.59% | 4.65% | 4.46% | 4.37% | 4.35% | 4.42% | -23 bps | |
| Efficiency Ratio | 51.50% | 46.59% | 47.68% | 47.52% | 51.84% | 54.15% | 53.08% | 51.28% | +377 bps | |
| Non-Interest Burden | 2.05% | 1.80% | 1.84% | 1.85% | 1.98% | 2.07% | 1.99% | 1.92% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.41% | 4.78% | 4.33% | 7.42% | 7.79% | 6.50% | 7.59% | 3.83% | -358 bps | |
| Loan Growth (YoY) | 5.90% | 5.59% | 4.69% | 4.59% | 5.72% | 5.14% | 3.94% | 3.19% | -141 bps | |
| Deposit Growth (YoY) | 0.92% | 3.46% | 1.99% | 5.88% | 7.22% | 6.36% | 8.21% | 5.00% | -88 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.04% | 1.01% | 1.12% | +112 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.10% | 0.04% | 0.26% | 0.09% | 0.08% | 0.09% | +5 bps | |
| Allowance / Loans | 1.34% | 1.34% | 1.30% | 1.33% | 1.30% | 1.31% | 1.34% | 1.32% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.3x | 1.3x | 1.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.93% | 9.09% | 9.32% | 9.69% | 9.07% | 9.25% | 9.36% | 9.77% | +8 bps | |
| Total Risk-Based Capital | 11.05% | 13.77% | 11.65% | 11.89% | 11.48% | 11.77% | 12.14% | 12.57% | +68 bps | |
| Equity / Assets | 9.74% | 9.78% | 10.26% | 10.34% | 9.64% | 9.70% | 10.04% | 10.52% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.52% | 88.98% | 93.02% | 92.39% | 89.25% | 87.96% | 89.35% | 90.79% | -160 bps | |
| Liquid Assets / Assets | 7.30% | 8.53% | 5.33% | 6.52% | 9.22% | 10.30% | 8.91% | 7.19% | +67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |