Church Point, LA · Cert 17340
FDIC · 1 branch
Q3 2014
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Church Point, LA · Cert 17340
FDIC · 1 branch
Q3 2014
Market Position · Lafayette, LA · 2014 SOD (annual) · 0.4% share · #30 of 40 inst. · $0.0B of $10.6B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.03% | 0.27% | 0.30% | 0.16% | -0.20% | 0.20% | -0.32% | -62 bps | |
| Return on Equity | 0.31% | 0.33% | 2.80% | 3.05% | 1.68% | -2.12% | 2.15% | -3.38% | -643 bps | |
| Net Interest Margin | 2.82% | 2.43% | 2.47% | 2.56% | 2.58% | 2.62% | 2.57% | 2.56% | 0 bps | |
| Efficiency Ratio | 92.64% | 98.89% | 91.36% | 90.79% | 93.82% | 103.76% | 92.64% | 109.26% | +1,847 bps | |
| Non-Interest Burden | 2.57% | 2.40% | 2.20% | 2.25% | 2.38% | 2.74% | 2.34% | 2.86% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.58% | 7.06% | 0.55% | -1.58% | 0.50% | -3.80% | -1.01% | 2.15% | +373 bps | |
| Loan Growth (YoY) | -7.50% | -2.56% | 1.79% | -2.61% | -2.60% | -15.34% | -17.96% | -18.38% | -1,578 bps | |
| Deposit Growth (YoY) | 10.78% | 8.03% | 1.86% | -0.55% | 1.95% | -3.61% | -2.03% | 1.58% | +213 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.91% | -1.64% | -0.80% | 0.24% | 0.18% | 0.05% | 0.21% | 0.17% | -7 bps | |
| Allowance / Loans | 1.23% | 1.60% | 1.58% | 1.03% | 1.20% | 1.39% | 1.33% | 1.35% | +32 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 23.68% | 22.90% | 23.01% | 23.59% | 23.38% | 24.91% | 25.55% | 25.37% | +178 bps | |
| Equity / Assets | 10.37% | 9.64% | 9.22% | 9.81% | 9.04% | 9.35% | 10.14% | 9.88% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.94% | 38.90% | 40.50% | 41.43% | 38.16% | 34.17% | 33.91% | 33.29% | -814 bps | |
| Liquid Assets / Assets | 17.20% | 15.15% | 14.02% | 12.18% | 7.55% | 6.94% | 3.30% | 3.33% | -885 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |