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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | -2.14% | 0.13% | -0.05% | -0.97% | -4.66% | -1.24% | -0.52% | -47 bps | |
| Return on Equity | 3.39% | -18.11% | 1.09% | -0.41% | -8.14% | -40.14% | -10.86% | -4.50% | -409 bps | |
| Net Interest Margin | 3.98% | 4.21% | 3.86% | 3.76% | 3.72% | 3.98% | 3.69% | 3.81% | +5 bps | |
| Efficiency Ratio | 70.70% | 98.97% | 95.51% | 98.16% | 105.03% | 108.10% | 90.07% | 87.59% | -1,056 bps | |
| Non-Interest Burden | 2.53% | 4.13% | 3.62% | 3.64% | 3.93% | 4.35% | 3.17% | 3.18% | -46 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 | 1.27% | 2.92% | 0.53% | 0.87% | 1.40% | 8.24% | 0.11% | 0.63% | -23 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 |