Jackson, LA · Cert 310
FDIC · 5 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Jackson, LA · Cert 310
FDIC · 5 branches
Q3 2017
Market Position · Baton Rouge, LA · 2017 SOD (annual) · 0.6% share · #19 of 36 inst. · $0.1B of $20.5B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.50% | 1.44% | 1.47% | 1.36% | 1.44% | 1.44% | 1.49% | +2 bps | |
| Return on Equity | 7.98% | 11.42% | 11.15% | 11.41% | 10.68% | 11.72% | 11.56% | 11.81% | +40 bps | |
| Net Interest Margin | 3.76% | 3.76% | 3.76% | 3.75% | 3.52% | 3.57% | 3.64% | 3.67% | -8 bps | |
| Efficiency Ratio | 64.94% | 66.50% | 66.16% | 64.99% | 65.85% | 64.06% | 64.36% | 63.80% | -119 bps | |
| Non-Interest Burden | 2.23% | 2.29% | 2.28% | 2.23% | 2.12% | 2.05% | 2.12% | 2.11% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.05% | -1.81% | 5.40% | 6.91% | 12.73% | 9.97% | 3.08% | 4.26% | -265 bps | |
| Loan Growth (YoY) | -3.50% | 3.82% | 7.18% | 9.15% | 8.93% | 1.74% | -3.28% | 2.18% | -697 bps | |
| Deposit Growth (YoY) | -2.86% | -2.75% | 0.66% | 2.34% | 8.91% | 6.07% | 2.89% | 4.08% | +174 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.63% | 1.74% | 1.69% | +169 bps | |
| Net Charge-Offs / Loans | 0.75% | 0.07% | 0.03% | 0.03% | 0.21% | 0.19% | 0.20% | 0.14% | +11 bps | |
| Allowance / Loans | 1.03% | 0.96% | 0.95% | 1.03% | 0.90% | 0.89% | 0.88% | 0.87% | -16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.5x | 0.5x | 0.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.93% | 12.99% | 12.77% | 12.67% | 12.40% | 12.40% | 12.67% | 13.03% | +37 bps | |
| Total Risk-Based Capital | 21.22% | 20.05% | 19.11% | 19.23% | 19.71% | 19.77% | 19.82% | 19.78% | +56 bps | |
| Equity / Assets | 13.11% | 13.15% | 12.62% | 12.56% | 12.13% | 12.39% | 12.88% | 12.95% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.33% | 85.21% | 90.02% | 86.58% | 82.35% | 81.74% | 84.62% | 84.99% | -158 bps | |
| Liquid Assets / Assets | 6.05% | 3.49% | 2.98% | 4.15% | 6.17% | 4.62% | 2.76% | 4.06% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |