{"id":1310,"date":"2010-04-13T09:24:39","date_gmt":"2010-04-13T14:24:39","guid":{"rendered":"https:\/\/www.nicholls.edu\/news\/?p=1310"},"modified":"2010-04-13T09:24:39","modified_gmt":"2010-04-13T14:24:39","slug":"nicholls-researchers-issue-benchmark-report-on-louisiana-banking","status":"publish","type":"post","link":"https:\/\/www.nicholls.edu\/news\/2010\/04\/13\/nicholls-researchers-issue-benchmark-report-on-louisiana-banking\/","title":{"rendered":"Nicholls researchers issue benchmark report on Louisiana banking"},"content":{"rendered":"<p>THIBODAUX \u2013 Faculty researchers from the College of Business Administration at Nicholls State University have issued their first annual technical report titled \u201cLouisiana Community Banks: An Analysis of Recent Performance.\u201d<!--more--><\/p>\n<p>The report presents the results of an analysis of Louisiana community banks with total assets of $1 billion or less \u2013 providing readers with a clear picture of the recent trends in the banks\u2019 performance as well as their current condition relative to the national average for banks of similar size. All banks were analyzed in terms of profitability, capital risk, credit risk, utilization and liquidity. The time frame for the benchmark study is 2005 to 2008. The 2009 report is expected to be completed within the next 60 days.<\/p>\n<p>Given that certain banks exhibit different business patterns and sensitivities relative to their local communities, the analysis is divided into three groups based on asset size: Group 1, less than or equal to $100 million; Group 2, greater than $100 million and less than or equal to $500 million; and Group 3, greater than $500 million and less than or equal to $1 billion. The main findings of the analysis follow:<\/p>\n<ul>\n<li>As of the report\u2019s writing, one Louisiana community bank has failed. On      March 12, 2009, for the first time since 2002, the FDIC shut down a Louisiana      bank \u2013 a Group 2 institution with approximately $243 million in assets. The      failed bank was purchased by a competitor who assumed all of the failed      bank\u2019s deposits, which means the bank failure amounted to nothing more      than a transition from one bank to another for depositors.<\/li>\n<\/ul>\n<ul>\n<li>A few of the smallest Louisiana community banks experienced a      drop in profitability in 2008. As a group, however, they appear to have      remained profitable through 2008 and have outperformed the average for      their national peers.<\/li>\n<\/ul>\n<ul>\n<li>On average, the Group 1 banks have increased      their equity positions and\/or reduced their risky assets as of the end of      2008. By the end of 2008, Louisiana      community banks in Group 1 had surpassed the average equity capital      position of their national peers.<\/li>\n<\/ul>\n<ul>\n<li>A few of the mid-sized Louisiana community banks experienced a      drop in profitability in 2008. However, as a group, these banks appear to      have remained profitable through 2008.<\/li>\n<\/ul>\n<ul>\n<li>On average, the banks in Group 2 have increased      their equity positions and\/or reduced their risky assets as of the end of      2008.<\/li>\n<\/ul>\n<ul>\n<li>Problems with nonperforming loans for the Group 2      banks appear to be isolated within a small number of banks.<\/li>\n<\/ul>\n<ul>\n<li>The largest Louisiana community banks remained      profitable through 2008 with even less volatility than exhibited by the      Group 1 and Group 2 banks.<\/li>\n<\/ul>\n<ul>\n<li>On average, the Group 3 banks have increased      their equity positions and\/or reduced their risky assets as of the end of      2008.<\/li>\n<\/ul>\n<ul>\n<li>Relative to the national peer group, most Louisiana community      banks appear to have maintained adequate credit standards.<\/li>\n<\/ul>\n<p>The report\u2019s authors include Dr. Ronnie Fanguy, associate professor of computer information systems; Dr. John Lajaunie, professor of finance; Dr. Shari Lawrence, assistant professor of finance; and Dr. Norbert Michel, assistant professor of business administration.<\/p>\n<p>To read the full report, go to https:\/\/www.nicholls.edu\/business\/technical-report-on-la-community-banks\/ and click the link at the bottom of the page, titled \u201cNicholls Technical Report on LA Community Banks(pdf).\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>THIBODAUX \u2013 Faculty researchers from the College of Business Administration at Nicholls State University have issued their first annual technical report titled \u201cLouisiana Community Banks: An Analysis of Recent Performance.\u201d<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1310","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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