PackageTrendsPeer
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Midsouth Bank, N.A.

Lafayette, LA · Cert 25884

FDIC · 42 branches

Q2 2019

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: Q2 2019, the quarter ended June 30, 2019, 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 2026-10-11

Midsouth Bank, N.A.

Lafayette, LA · Cert 25884

FDIC · 42 branches

Q2 2019

$1.7BAssets
$890.3MLoans
$1.5BDeposits
$200.1MEquity
Loan mix
63%RE $451.0M32%C&I $228.5M5%Consumer $39.5MQ2 2018Q2 2019
Deposit mix
73%Interest-bearing $1.1B27%Noninterest $0.4BQ2 2018Q2 2019

NIM

4.08%Q2 ’174.05%Q2 ’184.10%Q2 ’19-2%-1%

Non-interest income vs. expense

3.76%Q2 ’174.56%Q2 ’184.42%Q2 ’19+35%-12%

Market Position · Lafayette, LA · 2019 SOD (annual) · 6.0% share · #5 of 36 inst. · $0.8B of $12.7B

7.6% Lafayette
22.1% St. Martin
13.2% Natchitoches
19.6% Sabine

Executive Summary

  • Earnings: ROA of -0.88%, down 92 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 2.62% of loans (-433 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 9.08%, down 102 bps from a year ago.
  • Funding: loans stand at 60.78% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.88%-92 bps YoY

Net Interest Margin (YTD, annualized)

3.77%-3 bps YoY

Efficiency Ratio (YTD, annualized)

88.85%-800 bps YoY

Tier 1 Leverage Ratio

9.08%-102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets0.04%-0.29%-1.36%-1.24%-0.88%-92 bps
Return on Equity0.34%-2.45%-11.46%-10.86%-7.67%-801 bps
Net Interest Margin3.80%3.82%3.92%3.69%3.77%-3 bps
Efficiency Ratio96.85%99.59%101.75%90.07%88.85%-800 bps
Non-Interest Burden3.63%3.77%3.98%3.17%3.20%-43 bps
Growth
Asset Growth (YoY)-4.49%-6.24%-7.35%-6.11%-7.77%-328 bps
Loan Growth (YoY)-14.70%-22.10%-23.03%-21.43%-15.91%-122 bps
Deposit Growth (YoY)-1.49%-3.83%-2.15%-4.12%-6.74%-525 bps
Asset Quality
Nonperforming Loans / Loans6.95%5.34%3.18%2.59%2.62%-433 bps
Net Charge-Offs / Loans0.72%0.99%2.84%0.11%0.37%-35 bps
Allowance / Loans2.22%2.54%1.89%2.77%3.16%+94 bps
Allowance Coverage of NPLs0.3x0.5x0.6x1.1x1.2x+0.9x
Capital
Tier 1 Leverage Ratio10.10%9.94%9.11%9.09%9.08%-102 bps
Total Risk-Based Capital15.61%16.40%15.40%15.52%15.61%0 bps
Equity / Assets11.94%11.83%11.37%11.39%11.69%-25 bps
Liquidity & Funding
Loans / Deposits67.41%61.94%61.71%60.11%60.78%-663 bps
Liquid Assets / Assets16.66%17.92%12.22%14.24%14.08%-258 bps
CRE / Total Capitaln/an/an/an/an/an/an/a