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MBL Bank

Minden, LA · Cert 29829

FDIC · 2 branches

Q4 2017

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 2017, the quarter ended December 31, 2017, 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 2026-10-11

MBL Bank

Minden, LA · Cert 29829

FDIC · 2 branches

Q4 2017

$314.6MAssets
$195.4MLoans
$264.1MDeposits
$28.6MEquity
Loan mix
79%RE $147.3M17%C&I $31.2M4%Consumer $7.1MQ4 2016Q4 2017
Deposit mix
87%Interest-bearing $229.0M13%Noninterest $35.1MQ4 2016Q4 2017

NIM

3.72%Q4 ’153.95%Q4 ’164.28%Q4 ’17+7%+10%

Non-interest income vs. expense

1.47%Q4 ’151.43%Q4 ’161.44%Q4 ’17-3%+8%

Market Position · Shreveport-Bossier City, LA · 2017 SOD (annual) · 3.2% share · #10 of 26 inst. · $0.3B of $8.2B

Executive Summary

  • Earnings: ROA of 1.73%, up 21 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.46% of loans (+46 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.19%, down 710 bps from a year ago.
  • Funding: loans stand at 73.98% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.73%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+36 bps YoY

Efficiency Ratio (YTD, annualized)

35.84%-235 bps YoY

Tier 1 Leverage Ratio

9.19%-710 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets1.52%1.64%1.70%1.66%1.73%+21 bps
Return on Equity9.70%11.19%11.50%11.12%12.52%+282 bps
Net Interest Margin3.46%3.55%3.69%3.77%3.82%+36 bps
Efficiency Ratio38.18%36.59%35.77%36.26%35.84%-235 bps
Non-Interest Burden1.14%1.12%1.13%1.26%1.23%+9 bps
Growth
Asset Growth (YoY)3.05%2.19%2.65%-0.38%-5.07%-812 bps
Loan Growth (YoY)0.91%1.95%0.27%-1.11%2.42%+151 bps
Deposit Growth (YoY)2.05%2.16%2.27%-1.68%-1.41%-345 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.33%0.90%0.49%0.46%+46 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.07%0.06%+6 bps
Allowance / Loans1.08%1.06%1.07%1.07%1.06%-2 bps
Allowance Coverage of NPLsn/a3.2x1.2x2.2x2.3xn/a
Capital
Tier 1 Leverage Ratio16.28%14.35%14.97%15.24%9.19%-710 bps
Total Risk-Based Capital27.97%25.10%26.01%26.90%16.25%-1,172 bps
Equity / Assets15.30%14.08%15.01%15.38%9.11%-619 bps
Liquidity & Funding
Loans / Deposits71.21%73.06%75.01%76.95%73.98%+276 bps
Liquid Assets / Assets6.32%2.87%2.80%4.03%0.20%-612 bps
CRE / Total Capitaln/an/an/an/an/an/an/a