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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.60% | -7.57% | 3.69% | 3.10% | 3.14% | 2.92% | 3.52% | 36.99%1 | +3,390 bps | |
| Return on Equity | 23.00% | -48.97% | 24.20% | 19.37% | 18.68% | 18.05% | 22.28% | 186.80% | +16,742 bps | |
| Net Interest Margin | 4.89% | 4.97% | 5.20% | 4.78% | 5.09% | 5.09% | 5.06% | 3.16% | -162 bps | |
| Efficiency Ratio | 77.15% | 88.16% | 32.90% | 39.63% | 41.97% | 47.17% | 37.69% | 55.71% | +1,608 bps | |
| Non-Interest Burden | 1.38% | 12.48% | 1.38% | 1.74% | 1.95% | 2.18% | 1.54% | 0.67% | -106 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 |