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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.92% | 0.03% | 0.51% | 0.35% | -0.25% | -0.20% | 0.60% | -1.39% | -174 bps | |
| Return on Equity | -8.66% | 0.33% | 5.37% | 3.64% | -2.67% | -2.12% | 6.20% | -13.92% | -1,755 bps | |
| Net Interest Margin | 2.64% | 2.43% | 2.54% | 2.50% | 2.68% | 2.62% | 2.55% | 2.46% | -4 bps | |
| Efficiency Ratio | 108.88% | 98.89% | 84.48% | 89.69% | 102.52% | 103.76% | 82.01% | 142.19% | +5,250 bps | |
| Non-Interest Burden | 2.93% | 2.40% | 2.04% | 2.15% | 2.76% | 2.74% | 1.96% | 3.85% | +170 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 | 3.53% | -1.64% | 0.05% | 2.36% | -0.05% | 0.05% | 0.37% | 0.09% | -228 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 |