PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lafeda

Thibodaux, LA · Charter 16694

Q2 1996

$1.0MAssets
$872KLoans
$844KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.37%, up 88 bps year over year.
  • Asset quality: problem loans at 19.67% of loans (+1,425 bps YoY).
  • Funding: loans stand at 103.35% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

4.37%+88 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.49%3.14%4.67%3.51%4.37%+88 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a2.15%n/an/a
Loan Growth (YoY)n/an/an/an/a12.84%n/an/a
Share Growth (YoY)n/an/an/an/a-0.27%n/an/a
Asset Quality
Delinquent Loans / Loans5.42%11.11%5.49%8.33%19.67%+1,425 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.32%5.56%5.79%5.10%5.49%+217 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares91.35%98.32%102.52%106.25%103.35%+1,201 bps
Liquid Assets / Assets13.91%12.82%3.19%12.64%7.67%-624 bps