New Iberia, LA · Cert 29028
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
New Iberia, LA · Cert 29028
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.90% | 1.05% | 0.78% | 0.87% | 0.94% | 0.99% | 0.96% | +18 bps | |
| Return on Equity | 9.58% | 9.93% | 11.54% | 8.47% | 9.40% | 10.02% | 10.53% | 9.95% | +148 bps | |
| Net Interest Margin | 3.73% | 3.70% | 3.67% | 3.45% | 3.55% | 3.61% | 3.56% | 3.62% | +16 bps | |
| Efficiency Ratio | 71.21% | 70.82% | 68.78% | 75.66% | 74.64% | 73.59% | 72.66% | 72.74% | -292 bps | |
| Non-Interest Burden | 2.13% | 2.09% | 1.89% | 2.17% | 2.19% | 2.17% | 2.09% | 2.17% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.99% | 7.50% | 3.24% | 3.84% | -0.52% | 0.53% | 4.43% | 0.32% | -352 bps | |
| Loan Growth (YoY) | 13.16% | 10.82% | 1.62% | 0.31% | 1.09% | 1.52% | 9.57% | 9.70% | +939 bps | |
| Deposit Growth (YoY) | -1.54% | 3.36% | 5.29% | 4.91% | 5.42% | 5.61% | 3.20% | -0.88% | -580 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 | 0.31% | 0.28% | 0.29% | 0.22% | 0.13% | 0.12% | 0.11% | 0.08% | -13 bps | |
| Allowance / Loans | 1.27% | 1.27% | 1.28% | 1.26% | 1.20% | 1.15% | 1.09% | 1.07% | -19 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 | 13.78% | 14.08% | 14.35% | 14.37% | 14.30% | 14.31% | 14.34% | 14.75% | +37 bps | |
| Equity / Assets | 9.00% | 9.09% | 9.30% | 9.14% | 9.43% | 9.45% | 9.47% | 9.87% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.36% | 108.03% | 100.98% | 96.33% | 102.00% | 103.84% | 107.21% | 106.62% | +1,029 bps | |
| Liquid Assets / Assets | 11.56% | 11.01% | 13.54% | 15.03% | 10.65% | 10.53% | 10.45% | 8.86% | -617 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |