Hammond, LA · Cert 29670
FDIC · 7 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Hammond, LA · Cert 29670
FDIC · 7 branches
Q4 2018
Market Position · Hammond, LA · 2018 SOD (annual) · 12.2% share · #3 of 14 inst. · $0.2B of $1.9B
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.48% | 0.55% | 0.48% | 1.62% | 1.63% | 1.59% | 1.47% | +98 bps | |
| Return on Equity | 7.63% | 5.25% | 6.07% | 5.21% | 16.63% | 16.52% | 16.08% | 14.56% | +935 bps | |
| Net Interest Margin | 3.99% | 3.77% | 3.78% | 3.82% | 4.13% | 4.19% | 4.14% | 4.14% | +32 bps | |
| Efficiency Ratio | 76.64% | 80.12% | 75.82% | 75.27% | 59.23% | 58.83% | 58.63% | 61.56% | -1,371 bps | |
| Non-Interest Burden | 2.81% | 2.81% | 2.60% | 2.61% | 2.03% | 2.10% | 2.10% | 2.25% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.59% | 32.04% | 25.76% | 15.74% | 19.34% | 11.08% | 13.16% | 9.48% | -626 bps | |
| Loan Growth (YoY) | 13.78% | 26.83% | 31.92% | 35.04% | 38.81% | 22.02% | 18.80% | 12.28% | -2,276 bps | |
| Deposit Growth (YoY) | 31.61% | 39.28% | 32.23% | 16.57% | 14.63% | 4.55% | 6.46% | 1.25% | -1,532 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.56% | 1.33% | 1.10% | 0.81% | 0.76% | 0.66% | 0.92% | 0.94% | +13 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.13% | 0.13% | 0.22% | 0.02% | 0.02% | 0.07% | 0.08% | -14 bps | |
| Allowance / Loans | 2.07% | 1.96% | 2.09% | 1.98% | 1.95% | 1.96% | 1.90% | 1.88% | -10 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.9x | 2.4x | 2.6x | 2.9x | 2.1x | 2.0x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.60% | 8.94% | 9.27% | 9.70% | 10.18% | 10.50% | 10.62% | 10.75% | +105 bps | |
| Total Risk-Based Capital | 17.02% | 14.93% | 15.15% | 15.47% | 16.51% | 17.26% | 17.56% | 17.72% | +224 bps | |
| Equity / Assets | 9.29% | 8.77% | 9.28% | 9.56% | 9.90% | 10.14% | 10.02% | 10.64% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.17% | 63.51% | 67.47% | 73.20% | 74.07% | 74.12% | 75.30% | 81.18% | +797 bps | |
| Liquid Assets / Assets | 10.81% | 8.82% | 5.63% | 3.22% | 4.34% | 4.89% | 5.32% | 3.90% | +68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |