Houma, LA · Cert 35005
FDIC · 23 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Houma, LA · Cert 35005
FDIC · 23 branches
Q1 2020
Market Position · Houma-Thibodaux, LA · 2019 SOD (annual) · 9.6% share · #5 of 15 inst. · $0.4B of $4.3B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.09% | 1.85% | 1.83% | 1.81% | 1.66% | 1.78% | 1.80% | 1.80% | 0 bps | |
| Return on Equity | 17.76% | 15.59% | 15.38% | 14.80% | 13.46% | 14.20% | 14.29% | 13.78% | -103 bps | |
| Net Interest Margin | 4.35% | 4.30% | 4.31% | 4.17% | 4.20% | 4.29% | 4.27% | 4.18% | +1 bps | |
| Efficiency Ratio | 60.83% | 64.07% | 63.44% | 61.98% | 62.02% | 61.28% | 61.43% | 59.55% | -243 bps | |
| Non-Interest Burden | 2.26% | 2.44% | 2.39% | 2.23% | 2.28% | 2.28% | 2.28% | 2.12% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 188.50% | 176.41% | 166.73% | 6.35% | 2.64% | 2.18% | 1.68% | -0.39% | -674 bps | |
| Loan Growth (YoY) | 155.94% | 147.75% | 146.80% | -0.33% | -1.24% | -1.22% | -0.87% | 0.43% | +76 bps | |
| Deposit Growth (YoY) | 171.06% | 173.35% | 160.54% | 5.09% | 1.58% | 0.74% | 0.42% | -0.39% | -547 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.24% | 1.37% | 1.05% | 1.20% | 1.16% | 0.83% | 0.58% | 1.51% | +31 bps | |
| Net Charge-Offs / Loans | 0.57% | 0.42% | 0.45% | 0.22% | 0.35% | 0.30% | 0.28% | 0.40% | +18 bps | |
| Allowance / Loans | 1.36% | 1.36% | 1.37% | 1.39% | 1.36% | 1.36% | 1.32% | 1.32% | -7 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 1.3x | 1.2x | 1.2x | 1.6x | 2.3x | 0.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 11.46% | 11.22% | 11.52% | 11.31% | 11.70% | 11.65% | 12.02% | +50 bps | |
| Total Risk-Based Capital | 16.34% | 16.58% | 16.62% | 17.34% | 16.64% | 16.98% | 16.87% | 17.42% | +8 bps | |
| Equity / Assets | 12.05% | 12.05% | 12.07% | 12.32% | 12.67% | 13.05% | 12.96% | 13.21% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.87% | 86.05% | 85.09% | 80.41% | 84.45% | 84.38% | 83.99% | 81.08% | +66 bps | |
| Liquid Assets / Assets | 2.77% | 3.94% | 5.91% | 8.52% | 3.07% | 1.45% | 2.71% | 4.52% | -399 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |