Gonzales, LA · Cert 34777
FDIC · 5 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 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.
Gonzales, LA · Cert 34777
FDIC · 5 branches
Q4 2014
Market Position · Baton Rouge, LA · 2014 SOD (annual) · 0.9% share · #14 of 39 inst. · $0.2B of $18.7B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.66% | 0.60% | 0.56% | 0.80% | 0.93% | 0.73% | 0.77% | +20 bps | |
| Return on Equity | 8.04% | 6.52% | 5.94% | 5.48% | 7.41% | 8.52% | 6.67% | 7.01% | +153 bps | |
| Net Interest Margin | 3.85% | 3.87% | 4.01% | 4.03% | 4.13% | 4.24% | 4.43% | 4.38% | +35 bps | |
| Efficiency Ratio | 72.51% | 74.66% | 74.32% | 75.46% | 70.08% | 66.68% | 68.97% | 68.73% | -673 bps | |
| Non-Interest Burden | 2.59% | 2.75% | 2.84% | 2.89% | 2.61% | 2.44% | 2.73% | 2.71% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.45% | -0.41% | -1.67% | -4.29% | -1.14% | -2.78% | -0.85% | 7.37% | +1,166 bps | |
| Loan Growth (YoY) | 0.41% | 1.77% | 2.02% | -1.58% | 5.91% | 0.94% | 2.33% | 12.19% | +1,376 bps | |
| Deposit Growth (YoY) | 1.14% | -0.34% | -1.86% | -3.45% | 0.00% | -2.14% | -5.00% | -1.93% | +152 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 | 2.31% | 1.38% | 1.43% | 1.16% | 0.54% | 0.71% | 0.52% | 0.84% | -32 bps | |
| Allowance / Loans | 2.25% | 2.17% | 1.91% | 2.12% | 1.92% | 1.92% | 2.08% | 1.63% | -49 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 | 14.34% | 14.52% | 14.47% | 15.18% | 14.38% | 15.06% | 14.45% | 14.04% | -114 bps | |
| Equity / Assets | 10.01% | 10.24% | 10.50% | 10.87% | 10.62% | 11.23% | 11.27% | 10.90% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.52% | 88.40% | 90.87% | 87.60% | 90.58% | 91.18% | 97.88% | 100.21% | +1,261 bps | |
| Liquid Assets / Assets | 10.52% | 8.33% | 5.75% | 7.65% | 4.80% | 4.45% | 8.58% | 9.19% | +154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |