Haughton, LA · Cert 27611
FDIC · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Haughton, LA · Cert 27611
FDIC · 2 branches
Q2 2016
Market Position · Shreveport-Bossier City, LA · 2016 SOD (annual) · 0.3% share · #22 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.41% | 0.66% | 3.69% | 3.45% | 3.35% | 3.24% | 3.52% | 20.50%1 | +1,705 bps | |
| Return on Equity | 22.18% | 4.30% | 24.20% | 21.74% | 20.87% | 20.26% | 22.28% | 110.70% | +8,897 bps | |
| Net Interest Margin | 4.86% | 5.02% | 5.20% | 4.84% | 5.15% | 5.16% | 5.06% | 3.89% | -95 bps | |
| Efficiency Ratio | 62.67% | 88.16% | 32.90% | 36.16% | 38.06% | 40.33% | 37.69% | 47.08% | +1,092 bps | |
| Non-Interest Burden | 1.61% | 4.37% | 1.38% | 1.52% | 1.74% | 1.85% | 1.54% | 1.04% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.92% | -3.43% | 5.39% | -2.14% | -12.71% | 0.37% | -9.45% | 7.27% | +941 bps | |
| Loan Growth (YoY) | -7.43% | -28.04% | -31.58% | -27.69% | -23.91% | -27.60% | -26.30% | -42.03% | -1,433 bps | |
| Deposit Growth (YoY) | 20.76% | -3.95% | 5.47% | -3.39% | -13.99% | 0.20% | -10.37% | -0.91% | +248 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 5.05% | 6.03% | 5.82% | 6.14% | 6.63% | 8.32% | 7.89% | 0.00% | -614 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 | 16.27% | 16.06% | 16.45% | 15.73% | 15.84% | 23.28% | +722 bps | |
| Total Risk-Based Capital | 15.73% | 16.25% | 34.47% | 38.08% | 36.82% | 35.64% | 36.35% | 78.15% | +4,007 bps | |
| Equity / Assets | 15.25% | 15.69% | 14.88% | 17.20% | 16.47% | 15.83% | 15.75% | 23.57% | +637 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 11.95% | 11.69% | 10.71% | 11.49% | 10.57% | 8.45% | 8.80% | 6.72% | -477 bps | |
| Liquid Assets / Assets | 64.37% | 74.83% | 66.72% | 72.62% | 72.69% | 73.48% | 72.61% | 0.15% | -7,247 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |