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Lawilifie

Baton Rouge, LA · Charter 62933

NCUA · 1 branch

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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

Lawilifie

Baton Rouge, LA · Charter 62933

NCUA · 1 branch

Q3 2018

$2.0MAssets
$822KLoans
$1.6MShares
$453KNet Worth

Executive Summary

  • Earnings: ROA of -1.84%, down 52 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.38% of loans (-39 bps YoY).
  • Capital: net worth / assets of 22.10%, up 256 bps from a year ago.
  • Funding: loans stand at 52.27% of shares as of Q3 2018.

Return on Assets (YTD, annualized)

-1.84%-52 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+75 bps YoY

Efficiency Ratio (YTD, annualized)

147.52%+785 bps YoY

Net Worth / Assets

22.10%+256 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-0.34%-0.61%-1.44%-1.32%-0.90%-0.07%0.19%-1.84%-52 bps
Return on Equity-1.79%-3.27%-7.67%-6.77%-4.54%-0.38%0.87%-8.33%-156 bps
Net Interest Margin2.97%2.81%2.82%2.96%3.02%3.12%3.56%3.72%+75 bps
Efficiency Ratio110.70%120.38%144.95%139.67%126.51%102.29%94.97%147.52%+785 bps
Growth
Asset Growth (YoY)-4.33%-2.96%-3.60%-6.99%-8.13%-10.30%-13.64%-17.39%-1,040 bps
Loan Growth (YoY)-6.35%-11.46%-13.67%-10.45%-16.21%-9.47%6.66%4.66%+1,510 bps
Share Growth (YoY)-4.82%-3.08%-3.32%-6.97%-8.69%-11.24%-16.07%-21.08%-1,411 bps
Asset Quality
Delinquent Loans / Loans0.00%0.02%0.83%0.77%1.58%0.00%0.00%0.38%-39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.27%0.29%0.47%0.43%0.44%0.37%0.35%0.34%-9 bps
Capital
Risk-Based Capital19.02%18.63%18.79%19.54%19.81%19.76%21.44%22.10%+256 bps
Net Worth / Assets19.02%18.63%18.79%19.54%19.81%19.76%21.44%22.10%+256 bps
Liquidity & Funding
Loans / Shares41.94%38.79%35.52%39.42%38.49%39.57%45.15%52.27%+1,285 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps