PackageTrendsPeer
Letter portraitLegal landscape

La Porte Savings Bank, The

La Porte, IN · Cert 9538

FDIC · 7 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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: FFIEC Call Report (031/041/051), 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

La Porte Savings Bank, The

La Porte, IN · Cert 9538

FDIC · 7 branches

Q2 2016

$517.3MAssets
$332.9MLoans
$365.5MDeposits
$76.3MEquity
Loan mix
88%RE $148.8M10%C&I $17.0M2%Consumer $3.7MQ2 2015Q2 2016
Deposit mix
83%Interest-bearing $302.2M17%Noninterest $63.3MQ2 2015Q2 2016

NIM

3.44%Q2 ’143.54%Q2 ’153.64%Q2 ’16+11%+1%

Non-interest income vs. expense

2.56%Q2 ’142.65%Q2 ’152.72%Q2 ’16+1%+4%

Market Position · Michigan City-La Porte, IN · 2016 SOD (annual) · 19.9% share · #2 of 9 inst. · $0.3B of $1.7B

19.9% La Porte
1.2% Porter

Executive Summary

  • Earnings: ROA of 1.41%, up 68 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.24%, down 1 bps from a year ago.
  • Funding: loans stand at 91.09% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.41%1+68 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+3 bps YoY

Efficiency Ratio (YTD, annualized)

74.42%+164 bps YoY

Tier 1 Leverage Ratio

13.24%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.73%0.70%0.72%0.71%1.41%1+68 bps
Return on Equity5.07%4.90%5.06%4.82%9.63%+456 bps
Net Interest Margin3.15%3.16%3.17%3.31%3.18%+3 bps
Efficiency Ratio72.78%73.04%72.46%74.94%74.42%+164 bps
Non-Interest Burden2.12%2.14%2.11%2.32%2.21%+8 bps
Growth
Asset Growth (YoY)-2.39%6.55%4.37%-0.10%0.48%+287 bps
Loan Growth (YoY)5.80%18.46%12.33%2.81%-0.09%-589 bps
Deposit Growth (YoY)-1.02%-1.33%14.15%1.98%2.71%+373 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.06%0.06%0.00%0.01%0 bps
Allowance / Loans1.12%1.03%1.04%1.06%1.09%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.25%13.25%13.31%13.37%13.24%-1 bps
Total Risk-Based Capital18.64%17.41%17.97%18.67%19.08%+44 bps
Equity / Assets14.66%14.03%14.30%15.02%14.75%+9 bps
Liquidity & Funding
Loans / Deposits93.64%104.17%88.41%93.88%91.09%-255 bps
Liquid Assets / Assets1.05%1.83%1.92%1.98%0.00%-105 bps
CRE / Total Capitaln/an/an/an/an/an/an/a