Ville Platte, LA · Cert 21995
FDIC · 3 branches
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.90% | 0.73% | 0.91% | -0.29% | -123 bps | |
| Return on Equity | 6.76% | 6.26% | 5.03% | 6.37% | -2.03% | -879 bps | |
| Net Interest Margin | 2.96% | 3.06% | 3.03% | 2.92% | 2.91% | -5 bps | |
| Efficiency Ratio | 57.91% | 61.39% | 69.21% | 59.90% | 111.63% | +5,372 bps | |
| Non-Interest Burden | 1.57% | 1.74% | 1.98% | 1.59% | 3.29% | +172 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.70% | -2.69% | -0.70% | 0.57% | 0.41% | +311 bps | |
| Loan Growth (YoY) | 1.87% | 1.11% | 0.34% | 1.63% | 0.51% | -136 bps | |
| Deposit Growth (YoY) | -4.06% | -4.08% | -1.73% | -0.07% | -0.06% | +400 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.90% | 0.46% | +46 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | -0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.46% | 1.44% | 1.49% | 1.49% | 1.45% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.7x | 3.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.84% | 14.19% | 14.46% | 14.27% | 14.11% | +27 bps | |
| Total Risk-Based Capital | 32.31% | 32.71% | 33.63% | 33.91% | 33.17% | +85 bps | |
| Equity / Assets | 14.19% | 14.58% | 14.51% | 14.16% | 14.33% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.79% | 63.75% | 61.71% | 59.49% | 62.14% | +35 bps | |
| Liquid Assets / Assets | 11.29% | 11.89% | 12.96% | 15.95% | 15.43% | +414 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |