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Calcasieu-Marine NB Lake Cha

Lake Charles, LA · Cert 14610

FDIC

Q2 1996

$778.2MAssets
$359.0MLoans
$618.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.57%, up 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 58.10% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.57%+6 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.34%1.38%1.44%1.51%1.59%1.54%1.41%1.57%+6 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-2.19%-3.32%-3.60%-9.26%-3.21%1.96%+527 bps
Loan Growth (YoY)n/an/a2.66%4.13%6.70%9.87%9.85%9.69%+556 bps
Deposit Growth (YoY)n/an/a-10.90%-7.82%-6.55%-2.31%1.95%5.07%+1,289 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits50.01%50.44%51.66%55.65%57.10%56.73%55.67%58.10%+245 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a