PackageTrendsPeer
Letter portraitLegal landscape

City Savings Bank & Trust Company

Deridder, LA · Cert 10534

FDIC · 9 branches

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

City Savings Bank & Trust Company

Deridder, LA · Cert 10534

FDIC · 9 branches

Q4 2017

$326.1MAssets
$262.9MLoans
$291.1MDeposits
$34.1MEquity
Loan mix
78%RE $190.3M16%C&I $37.7M6%Consumer $15.1MQ4 2016Q4 2017
Deposit mix
73%Interest-bearing $213.6M27%Noninterest $77.5MQ4 2016Q4 2017

NIM

4.91%Q4 ’154.77%Q4 ’164.91%Q4 ’17-2%+3%

Non-interest income vs. expense

3.22%Q4 ’153.40%Q4 ’163.52%Q4 ’17+1%+3%

Market Position · Lake Charles, LA · 2017 SOD (annual) · 3.4% share · #9 of 16 inst. · $0.1B of $3.9B

27.9% Beauregard
2.5% Calcasieu
33.7% Cameron
8.9% Vernon

Executive Summary

  • Earnings: ROA of 1.91%, up 5 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 1.56% of loans (+156 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 10.58%, up 116 bps from a year ago.
  • Funding: loans stand at 90.30% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.91%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.62%+14 bps YoY

Efficiency Ratio (YTD, annualized)

61.59%-4 bps YoY

Tier 1 Leverage Ratio

10.58%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets1.86%1.62%1.77%1.88%1.91%+5 bps
Return on Equity18.00%16.88%17.95%18.73%18.84%+84 bps
Net Interest Margin4.48%4.45%4.61%4.65%4.62%+14 bps
Efficiency Ratio61.63%66.81%64.14%62.05%61.59%-4 bps
Non-Interest Burden2.36%2.62%2.57%2.46%2.42%+6 bps
Growth
Asset Growth (YoY)3.61%1.28%-1.82%0.87%0.42%-319 bps
Loan Growth (YoY)5.04%7.24%6.59%9.15%7.56%+253 bps
Deposit Growth (YoY)5.63%2.68%-1.30%-0.34%-0.73%-636 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.94%1.10%1.07%1.56%+156 bps
Net Charge-Offs / Loans0.25%0.13%0.18%0.22%0.31%+6 bps
Allowance / Loans1.35%1.33%1.34%1.33%1.32%-3 bps
Allowance Coverage of NPLsn/a1.4x1.2x1.2x0.8xn/a
Capital
Tier 1 Leverage Ratio9.42%9.95%10.49%10.86%10.58%+116 bps
Total Risk-Based Capital14.47%15.40%15.58%15.56%15.64%+117 bps
Equity / Assets9.37%9.81%10.46%10.62%10.46%+109 bps
Liquidity & Funding
Loans / Deposits83.33%86.65%91.36%91.95%90.30%+696 bps
Liquid Assets / Assets9.10%6.24%0.47%1.58%1.54%-757 bps
CRE / Total Capitaln/an/an/an/an/an/an/a