PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Lake Charles

Lake Charles, LA · Cert 4292

FDIC

Q3 1998

$500.7MAssets
$262.0MLoans
$326.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 4.80%, up 365 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 80.14% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

4.80%+365 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.32%1.29%1.24%1.15%1.19%1.16%0.77%4.80%+365 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)13.01%0.09%3.34%1.15%-2.31%3.48%3.49%-9.27%-1,042 bps
Loan Growth (YoY)10.22%7.97%8.33%9.09%10.24%11.72%10.07%-9.40%-1,849 bps
Deposit Growth (YoY)11.10%5.84%9.06%-0.75%4.34%4.21%2.67%-31.36%-3,061 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits54.71%55.65%56.68%60.72%57.80%59.66%60.77%80.14%+1,942 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a