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Bank of Ringgold

Ringgold, LA · Cert 1377

FDIC · 3 branches

Q4 2015

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 2015, the quarter ended December 31, 2015, 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 2026-10-10

Bank of Ringgold

Ringgold, LA · Cert 1377

FDIC · 3 branches

Q4 2015

$56.0MAssets
$15.6MLoans
$46.1MDeposits
$9.3MEquity
Loan mix
85%RE $12.6M7%C&I $1.1M8%Consumer $1.1MQ4 2014Q4 2015
Deposit mix
67%Interest-bearing $30.7M33%Noninterest $15.4MQ4 2014Q4 2015

NIM

2.22%Q4 ’132.30%Q4 ’142.37%Q4 ’15+5%+3%

Non-interest income vs. expense

2.57%Q4 ’132.59%Q4 ’143.56%Q4 ’15-10%+66%

Market Position · Shreveport-Bossier City, LA · 2015 SOD (annual) · 0.0% share · #24 of 27 inst. · $0.0B of $8.1B

17.7% Bienville
0.2% Bossier

Executive Summary

  • Earnings: ROA of -0.45%, down 47 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 16.80%.
  • Funding: loans stand at 33.76% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.45%-47 bps YoY

Net Interest Margin (YTD, annualized)

2.20%+7 bps YoY

Efficiency Ratio (YTD, annualized)

131.84%+4,165 bps YoY

Tier 1 Leverage Ratio

16.80%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.02%0.24%0.20%1-0.27%-0.45%-47 bps
Return on Equity0.14%1.55%1.25%-1.66%-2.78%-292 bps
Net Interest Margin2.13%2.01%2.18%2.18%2.20%+7 bps
Efficiency Ratio90.19%91.88%95.65%115.56%131.84%+4,165 bps
Non-Interest Burden1.84%1.81%2.07%2.59%3.06%+121 bps
Growth
Asset Growth (YoY)-0.08%-3.02%-11.45%-10.82%-12.56%-1,248 bps
Loan Growth (YoY)-4.20%-6.37%1.37%1.15%1.09%+529 bps
Deposit Growth (YoY)-0.18%-3.57%-4.40%-3.69%-6.00%-583 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.00%0.00%0.06%0.06%+8 bps
Allowance / Loans3.03%3.08%3.15%3.07%2.94%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a15.30%16.86%16.73%16.80%n/a
Total Risk-Based Capital49.52%56.41%56.62%56.27%58.06%+854 bps
Equity / Assets15.24%15.30%16.72%16.65%16.55%+131 bps
Liquidity & Funding
Loans / Deposits31.39%30.91%31.06%31.63%33.76%+237 bps
Liquid Assets / Assets7.13%9.68%7.52%8.57%9.07%+194 bps
CRE / Total Capitaln/an/an/an/an/an/an/a