Port Allen, LA · Cert 313
FDIC · 10 branches
Q1 2015
Market Position · Baton Rouge, LA · 2014 SOD (annual) · 1.4% share · #8 of 39 inst. · $0.3B of $18.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.42% | 0.51% | 0.46% | 0.58% | 0.54% | 0.82%1 | 0.73%1 | +27 bps | |
| Return on Equity | 4.46% | 3.82% | 4.66% | 4.17% | 5.04% | 4.49% | 6.70% | 6.02% | +185 bps | |
| Net Interest Margin | 3.09% | 3.09% | 3.14% | 2.97% | 2.93% | 2.95% | 3.01% | 2.69% | -28 bps | |
| Efficiency Ratio | 89.45% | 85.62% | 83.56% | 85.92% | 88.23% | 83.52% | 85.30% | 103.94% | +1,802 bps | |
| Non-Interest Burden | 2.68% | 2.52% | 2.51% | 2.46% | 2.49% | 2.36% | 2.45% | 2.82% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.02% | -6.56% | -5.12% | -4.74% | -2.65% | -3.32% | -4.55% | -0.96% | +378 bps | |
| Loan Growth (YoY) | -8.27% | -10.02% | -16.12% | -14.68% | -10.74% | -9.92% | -8.46% | -11.54% | +314 bps | |
| Deposit Growth (YoY) | -1.26% | -1.46% | -0.71% | 2.23% | -0.27% | -1.12% | 1.17% | 2.82% | +59 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 | 0.86% | 1.74% | 0.78% | 0.22% | 0.19% | 0.33% | -0.07% | 0.15% | -7 bps | |
| Allowance / Loans | 1.47% | 1.17% | 1.21% | 1.24% | 1.22% | 1.21% | 1.30% | 1.31% | +8 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 | 11.83% | n/a | n/a |
| Total Risk-Based Capital | 19.36% | 20.11% | 21.36% | 21.40% | 21.72% | 22.64% | 24.06% | 23.89% | +249 bps | |
| Equity / Assets | 11.00% | 11.07% | 10.78% | 11.24% | 11.83% | 12.17% | 12.19% | 12.01% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.38% | 71.38% | 63.15% | 62.74% | 65.68% | 65.03% | 57.14% | 53.98% | -876 bps | |
| Liquid Assets / Assets | 12.26% | 15.13% | 17.53% | 15.74% | 14.36% | 16.10% | 18.20% | 25.35% | +961 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |