PackageTrendsPeer
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Louisiana Farm Bureau

Baton Rouge, LA · Charter 61608

Q2 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Louisiana Farm Bureau

Baton Rouge, LA · Charter 61608

Q2 2014

$4.8MAssets
$1.1MLoans
$4.0MShares
$727KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.02%, down 107 bps year over year; NIM at 1.97%.
  • Asset quality: problem loans at 0.00% of loans (-141 bps YoY).
  • Capital: net worth / assets of 15.29%, up 63 bps from a year ago.
  • Funding: loans stand at 26.43% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.02%-107 bps YoY

Net Interest Margin (YTD, annualized)

1.97%-3 bps YoY

Efficiency Ratio (YTD, annualized)

142.07%+4,499 bps YoY

Net Worth / Assets

15.29%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.06%0.01%-0.14%-0.64%-1.02%-107 bps
Return on Equity0.40%0.06%-0.91%-4.33%-6.65%-705 bps
Net Interest Margin2.00%2.03%2.04%2.01%1.97%-3 bps
Efficiency Ratio97.08%99.56%106.89%131.79%142.07%+4,499 bps
Growth
Asset Growth (YoY)10.60%5.56%3.14%1.32%-8.50%-1,910 bps
Loan Growth (YoY)-12.23%-2.34%-2.38%-2.61%-4.76%+747 bps
Share Growth (YoY)12.70%6.68%4.06%2.12%-9.12%-2,183 bps
Asset Quality
Delinquent Loans / Loans1.41%0.15%0.76%0.60%0.00%-141 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.76%1.06%0.19%0.19%0.42%-134 bps
Capital
Risk-Based Capital14.66%15.32%15.43%14.75%15.29%+63 bps
Net Worth / Assets14.66%15.32%15.43%14.75%15.29%+63 bps
Liquidity & Funding
Loans / Shares25.22%27.07%27.47%25.96%26.43%+121 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps