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Highlands Bank, The

Jackson, LA · Cert 310

FDIC · 5 branches

Q3 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: Q3 2017, the quarter ended September 30, 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 2026-10-10

Highlands Bank, The

Jackson, LA · Cert 310

FDIC · 5 branches

Q3 2017

$154.1MAssets
$108.6MLoans
$127.8MDeposits
$20.0MEquity
Loan mix
77%RE $76.4M21%C&I $21.4M2%Consumer $1.9MQ3 2016Q3 2017
Deposit mix
74%Interest-bearing $95.2M26%Noninterest $32.6MQ3 2016Q3 2017

NIM

4.21%Q3 ’154.15%Q3 ’164.08%Q3 ’17-1%-2%

Non-interest income vs. expense

2.80%Q3 ’152.83%Q3 ’162.76%Q3 ’17+4%-5%

Market Position · Baton Rouge, LA · 2017 SOD (annual) · 0.6% share · #19 of 36 inst. · $0.1B of $20.5B

30.2% East Feliciana
19.2% West Feliciana
0.1% East Baton Rouge

Executive Summary

  • Earnings: ROA of 1.49%, up 2 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 1.69% of loans (+169 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 13.03%, up 37 bps from a year ago.
  • Funding: loans stand at 84.99% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

1.49%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.67%-8 bps YoY

Efficiency Ratio (YTD, annualized)

63.80%-119 bps YoY

Tier 1 Leverage Ratio

13.03%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets1.47%1.36%1.44%1.44%1.49%+2 bps
Return on Equity11.41%10.68%11.72%11.56%11.81%+40 bps
Net Interest Margin3.75%3.52%3.57%3.64%3.67%-8 bps
Efficiency Ratio64.99%65.85%64.06%64.36%63.80%-119 bps
Non-Interest Burden2.23%2.12%2.05%2.12%2.11%-12 bps
Growth
Asset Growth (YoY)6.91%12.73%9.97%3.08%4.26%-265 bps
Loan Growth (YoY)9.15%8.93%1.74%-3.28%2.18%-697 bps
Deposit Growth (YoY)2.34%8.91%6.07%2.89%4.08%+174 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.63%1.74%1.69%+169 bps
Net Charge-Offs / Loans0.03%0.21%0.19%0.20%0.14%+11 bps
Allowance / Loans1.03%0.90%0.89%0.88%0.87%-16 bps
Allowance Coverage of NPLsn/an/a0.5x0.5x0.5xn/a
Capital
Tier 1 Leverage Ratio12.67%12.40%12.40%12.67%13.03%+37 bps
Total Risk-Based Capital19.23%19.71%19.77%19.82%19.78%+56 bps
Equity / Assets12.56%12.13%12.39%12.88%12.95%+39 bps
Liquidity & Funding
Loans / Deposits86.58%82.35%81.74%84.62%84.99%-158 bps
Liquid Assets / Assets4.15%6.17%4.62%2.76%4.06%-10 bps
CRE / Total Capitaln/an/an/an/an/an/an/a