Minden, LA · Cert 29829
FDIC · 2 branches
Q4 2017
Market Position · Shreveport-Bossier City, LA · 2017 SOD (annual) · 3.2% share · #10 of 26 inst. · $0.3B of $8.2B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.49% | 1.52% | 1.52% | 1.64% | 1.70% | 1.66% | 1.73% | +21 bps | |
| Return on Equity | 9.65% | 9.56% | 9.63% | 9.70% | 11.19% | 11.50% | 11.12% | 12.52% | +282 bps | |
| Net Interest Margin | 3.48% | 3.46% | 3.49% | 3.46% | 3.55% | 3.69% | 3.77% | 3.82% | +36 bps | |
| Efficiency Ratio | 39.61% | 39.20% | 38.73% | 38.18% | 36.59% | 35.77% | 36.26% | 35.84% | -235 bps | |
| Non-Interest Burden | 1.21% | 1.18% | 1.18% | 1.14% | 1.12% | 1.13% | 1.26% | 1.23% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.26% | 5.63% | 5.45% | 3.05% | 2.19% | 2.65% | -0.38% | -5.07% | -812 bps | |
| Loan Growth (YoY) | 9.78% | 11.18% | 8.70% | 0.91% | 1.95% | 0.27% | -1.11% | 2.42% | +151 bps | |
| Deposit Growth (YoY) | 7.24% | 4.80% | 4.52% | 2.05% | 2.16% | 2.27% | -1.68% | -1.41% | -345 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | 0.90% | 0.49% | 0.46% | +46 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.07% | 0.06% | +6 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.03% | 1.08% | 1.06% | 1.07% | 1.07% | 1.06% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3.2x | 1.2x | 2.2x | 2.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.49% | 15.74% | 16.15% | 16.28% | 14.35% | 14.97% | 15.24% | 9.19% | -710 bps | |
| Total Risk-Based Capital | 27.21% | 26.71% | 27.54% | 27.97% | 25.10% | 26.01% | 26.90% | 16.25% | -1,172 bps | |
| Equity / Assets | 15.54% | 16.17% | 16.31% | 15.30% | 14.08% | 15.01% | 15.38% | 9.11% | -619 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.22% | 76.51% | 76.50% | 71.21% | 73.06% | 75.01% | 76.95% | 73.98% | +276 bps | |
| Liquid Assets / Assets | 6.99% | 1.09% | 3.49% | 6.32% | 2.87% | 2.80% | 4.03% | 0.20% | -612 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |