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Church Point Bank and Trust Company

Church Point, LA · Cert 17340

FDIC · 1 branch

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Church Point Bank and Trust Company

Church Point, LA · Cert 17340

FDIC · 1 branch

Q3 2014

$46.3MAssets
$13.8MLoans
$41.5MDeposits
$4.6MEquity
Loan mix
68%RE $7.7M18%C&I $2.0M14%Consumer $1.6MQ3 2013Q3 2014
Deposit mix
70%Interest-bearing $29.1M30%Noninterest $12.4MQ3 2013Q3 2014

NIM

3.14%Q3 ’122.69%Q3 ’132.67%Q3 ’14-12%+0%

Non-interest income vs. expense

3.07%Q3 ’122.98%Q3 ’133.58%Q3 ’14-9%+27%

Market Position · Lafayette, LA · 2014 SOD (annual) · 0.4% share · #30 of 40 inst. · $0.0B of $10.6B

Executive Summary

  • Earnings: ROA of -0.32%, down 62 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 33.29% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.32%-62 bps YoY

Net Interest Margin (YTD, annualized)

2.56%0 bps YoY

Efficiency Ratio (YTD, annualized)

109.26%+1,847 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.30%0.16%-0.20%0.20%-0.32%-62 bps
Return on Equity3.05%1.68%-2.12%2.15%-3.38%-643 bps
Net Interest Margin2.56%2.58%2.62%2.57%2.56%0 bps
Efficiency Ratio90.79%93.82%103.76%92.64%109.26%+1,847 bps
Non-Interest Burden2.25%2.38%2.74%2.34%2.86%+61 bps
Growth
Asset Growth (YoY)-1.58%0.50%-3.80%-1.01%2.15%+373 bps
Loan Growth (YoY)-2.61%-2.60%-15.34%-17.96%-18.38%-1,578 bps
Deposit Growth (YoY)-0.55%1.95%-3.61%-2.03%1.58%+213 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.18%0.05%0.21%0.17%-7 bps
Allowance / Loans1.03%1.20%1.39%1.33%1.35%+32 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital23.59%23.38%24.91%25.55%25.37%+178 bps
Equity / Assets9.81%9.04%9.35%10.14%9.88%+7 bps
Liquidity & Funding
Loans / Deposits41.43%38.16%34.17%33.91%33.29%-814 bps
Liquid Assets / Assets12.18%7.55%6.94%3.30%3.33%-885 bps
CRE / Total Capitaln/an/an/an/an/an/an/a