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

Deposit mix

NIM

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

Earnings: ROA of -1.39%, down 174 bps year over year; NIM at 2.46%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
Funding: loans stand at 33.29% of deposits as of Q3 2014.

Return on Assets (quarter, annualized)

-1.39%-174 bps YoY

Net Interest Margin (quarter, annualized)

2.46%-4 bps YoY

Efficiency Ratio (quarter, annualized)

142.19%+5,250 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	0.35%	-0.25%	-0.20%	0.60%	-1.39%	-174 bps
Return on Equity	3.64%	-2.67%	-2.12%	6.20%	-13.92%	-1,755 bps
Net Interest Margin	2.50%	2.68%	2.62%	2.55%	2.46%	-4 bps
Efficiency Ratio	89.69%	102.52%	103.76%	82.01%	142.19%	+5,250 bps
Non-Interest Burden	2.15%	2.76%	2.74%	1.96%	3.85%	+170 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	2.36%	-0.05%	0.05%	0.37%	0.09%	-228 bps
Allowance / Loans	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
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	23.59%	23.38%	24.91%	25.55%	25.37%	+178 bps
Equity / Assets	9.81%	9.04%	9.35%	10.14%	9.88%	+7 bps
Liquidity & Funding
Loans / Deposits	41.43%	38.16%	34.17%	33.91%	33.29%	-814 bps
Liquid Assets / Assets	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