Ringgold, LA · Cert 1377
FDIC · 3 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ringgold, LA · Cert 1377
FDIC · 3 branches
Q4 2015
Market Position · Shreveport-Bossier City, LA · 2015 SOD (annual) · 0.0% share · #24 of 27 inst. · $0.0B of $8.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.49% | 0.37% | 0.02% | 0.24% | 0.20%1 | -0.27% | -0.45% | -47 bps | |
| Return on Equity | 0.08% | 3.29% | 2.49% | 0.14% | 1.55% | 1.25% | -1.66% | -2.78% | -292 bps | |
| Net Interest Margin | 1.85% | 2.01% | 2.07% | 2.13% | 2.01% | 2.18% | 2.18% | 2.20% | +7 bps | |
| Efficiency Ratio | 99.47% | 76.22% | 80.83% | 90.19% | 91.88% | 95.65% | 115.56% | 131.84% | +4,165 bps | |
| Non-Interest Burden | 1.84% | 1.28% | 1.51% | 1.84% | 1.81% | 2.07% | 2.59% | 3.06% | +121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.06% | -3.63% | -4.27% | -0.08% | -3.02% | -11.45% | -10.82% | -12.56% | -1,248 bps | |
| Loan Growth (YoY) | -13.84% | -20.34% | -17.65% | -4.20% | -6.37% | 1.37% | 1.15% | 1.09% | +529 bps | |
| Deposit Growth (YoY) | -4.61% | -5.11% | -5.27% | -0.18% | -3.57% | -4.40% | -3.69% | -6.00% | -583 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.05% | -0.03% | -0.02% | 0.00% | 0.00% | 0.06% | 0.06% | +8 bps | |
| Allowance / Loans | 2.86% | 3.20% | 3.15% | 3.03% | 3.08% | 3.15% | 3.07% | 2.94% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 15.30% | 16.86% | 16.73% | 16.80% | n/a | |
| Total Risk-Based Capital | 44.17% | 48.28% | 47.71% | 49.52% | 56.41% | 56.62% | 56.27% | 58.06% | +854 bps | |
| Equity / Assets | 14.45% | 14.91% | 15.08% | 15.24% | 15.30% | 16.72% | 16.65% | 16.55% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.84% | 29.30% | 30.12% | 31.39% | 30.91% | 31.06% | 31.63% | 33.76% | +237 bps | |
| Liquid Assets / Assets | 7.68% | 7.92% | 7.37% | 7.13% | 9.68% | 7.52% | 8.57% | 9.07% | +194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |