Lafayette, LA · Cert 25884
FDIC · 42 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lafayette, LA · Cert 25884
FDIC · 42 branches
Q2 2019
Market Position · Lafayette, LA · 2019 SOD (annual) · 6.0% share · #5 of 36 inst. · $0.8B of $12.7B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.56% | 0.13% | 0.04% | -0.29% | -1.36% | -1.24% | -0.88% | -92 bps | |
| Return on Equity | -0.34% | -4.82% | 1.09% | 0.34% | -2.45% | -11.46% | -10.86% | -7.67% | -801 bps | |
| Net Interest Margin | 3.89% | 4.04% | 3.86% | 3.80% | 3.82% | 3.92% | 3.69% | 3.77% | -3 bps | |
| Efficiency Ratio | 74.21% | 79.26% | 95.51% | 96.85% | 99.59% | 101.75% | 90.07% | 88.85% | -800 bps | |
| Non-Interest Burden | 2.62% | 3.04% | 3.62% | 3.63% | 3.77% | 3.98% | 3.17% | 3.20% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.44% | -3.29% | -4.08% | -4.49% | -6.24% | -7.35% | -6.11% | -7.77% | -328 bps | |
| Loan Growth (YoY) | -2.92% | -6.63% | -10.51% | -14.70% | -22.10% | -23.03% | -21.43% | -15.91% | -122 bps | |
| Deposit Growth (YoY) | 1.02% | -4.16% | -2.31% | -1.49% | -3.83% | -2.15% | -4.12% | -6.74% | -525 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.18% | 4.59% | 7.29% | 6.95% | 5.34% | 3.18% | 2.59% | 2.62% | -433 bps | |
| Net Charge-Offs / Loans | 2.04% | 2.31% | 0.53% | 0.72% | 0.99% | 2.84% | 0.11% | 0.37% | -35 bps | |
| Allowance / Loans | 2.03% | 2.24% | 2.23% | 2.22% | 2.54% | 1.89% | 2.77% | 3.16% | +94 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.3x | 0.3x | 0.5x | 0.6x | 1.1x | 1.2x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.64% | 9.86% | 10.12% | 10.10% | 9.94% | 9.11% | 9.09% | 9.08% | -102 bps | |
| Total Risk-Based Capital | 14.04% | 14.26% | 14.76% | 15.61% | 16.40% | 15.40% | 15.52% | 15.61% | 0 bps | |
| Equity / Assets | 11.69% | 11.97% | 12.00% | 11.94% | 11.83% | 11.37% | 11.39% | 11.69% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.47% | 78.44% | 73.35% | 67.41% | 61.94% | 61.71% | 60.11% | 60.78% | -663 bps | |
| Liquid Assets / Assets | 10.71% | 10.42% | 14.30% | 16.66% | 17.92% | 12.22% | 14.24% | 14.08% | -258 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |