PackageTrendsPeer
Letter portraitLegal landscape

Lafayette District Telephone

Lafayette, LA · Charter 62450

Q4 2006

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: Q4 2006, the quarter ended December 31, 2006, 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

Lafayette District Telephone

Lafayette, LA · Charter 62450

Q4 2006

$21.2MAssets
$13.8MLoans
$18.5MShares
$2.6MNet 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 1.67%, up 95 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 1.02% of loans (-16 bps YoY).
  • Capital: net worth / assets of 12.22%, up 167 bps from a year ago.
  • Funding: loans stand at 74.49% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

1.67%+95 bps YoY

Net Interest Margin (YTD, annualized)

4.47%-22 bps YoY

Efficiency Ratio (YTD, annualized)

86.25%+604 bps YoY

Net Worth / Assets

12.22%+167 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.72%2.45%2.42%2.00%1.67%+95 bps
Return on Equity6.85%22.94%20.66%16.53%13.70%+685 bps
Net Interest Margin4.69%4.38%4.60%4.55%4.47%-22 bps
Efficiency Ratio80.21%82.19%82.43%85.20%86.25%+604 bps
Growth
Asset Growth (YoY)-8.37%-5.07%-6.64%-2.37%0.04%+840 bps
Loan Growth (YoY)-3.97%0.56%0.77%-2.33%-0.37%+360 bps
Share Growth (YoY)-10.01%-5.43%-7.10%-4.58%-1.85%+816 bps
Asset Quality
Delinquent Loans / Loans1.18%0.73%0.64%0.60%1.02%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.48%0.96%0.73%0.57%0.62%-86 bps
Capital
Risk-Based Capital10.55%10.67%11.70%12.08%12.22%+167 bps
Net Worth / Assets10.55%10.67%11.70%12.08%12.22%+167 bps
Liquidity & Funding
Loans / Shares73.38%70.32%74.72%74.58%74.49%+110 bps
Liquid Assets / Assets14.81%15.99%0.00%0.00%0.00%-1,481 bps