Benton, LA · Cert 25065
FDIC · 1 branch
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, 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.
Benton, LA · Cert 25065
FDIC · 1 branch
Q4 2022
Market Position · Shreveport-Bossier City, LA · 2022 SOD (annual) · 0.6% share · #17 of 25 inst. · $0.1B of $10.7B
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.77% | 0.92% | 2.70% | 2.19% | +130 bps | |
| Return on Equity | 5.31% | 4.79% | 5.74% | 16.64% | 13.41% | +810 bps | |
| Net Interest Margin | 2.75% | 2.76% | 2.96% | 3.24% | 3.14% | +40 bps | |
| Efficiency Ratio | 65.00% | 67.73% | 63.69% | 60.66% | 72.19% | +719 bps | |
| Non-Interest Burden | 1.68% | 1.78% | 1.79% | 1.87% | 2.04% | +36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.05% | 12.69% | 10.26% | 8.27% | 8.77% | +72 bps | |
| Loan Growth (YoY) | 0.61% | 3.30% | 8.68% | 14.99% | 18.78% | +1,817 bps | |
| Deposit Growth (YoY) | 6.18% | 16.25% | 13.05% | 11.07% | 12.23% | +604 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.43% | 0.88% | 0.88% | 0.81% | 0.89% | -53 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.05% | -0.02% | 0.01% | 0.00% | +7 bps | |
| Allowance / Loans | 3.67% | 3.52% | 3.36% | 1.33% | 1.32% | -235 bps | |
| Allowance Coverage of NPLs | 2.6x | 4.0x | 3.8x | 1.6x | 1.5x | -1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.12% | 16.05% | 16.05% | 17.57% | 16.02% | -10 bps | |
| Total Risk-Based Capital | 16.12% | 16.05% | 16.05% | 17.57% | 16.02% | -10 bps | |
| Equity / Assets | 16.45% | 15.80% | 15.83% | 16.77% | 16.74% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.34% | 75.02% | 78.54% | 80.11% | 79.74% | +440 bps | |
| Liquid Assets / Assets | 30.28% | 23.61% | 17.32% | 15.82% | 15.00% | -1,528 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |