PackageTrendsPeer
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National Independent Trust Company

Ruston, LA · Cert 33196

FDIC

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

National Independent Trust Company

Ruston, LA · Cert 33196

FDIC

Q3 2015

$7.0MAssets
n/aLoans
n/aDeposits
$5.7MEquity

NIM

0.27%Q3 ’130.21%Q3 ’140.38%Q3 ’15-22%+78%

Non-interest income vs. expense

108.84%Q3 ’1393.05%Q3 ’14110.89%Q3 ’15+22%+142%

Executive Summary

  • Earnings: ROA of -3.85%, down 1,084 bps year over year; NIM at 0.38%.
  • Capital: tier 1 leverage ratio of 81.63%.

Financial Results

Return on Assets (YTD, annualized)

-3.85%-1,084 bps YoY

Net Interest Margin (YTD, annualized)

0.38%+17 bps YoY

Efficiency Ratio (YTD, annualized)

103.92%+1,453 bps YoY

Tier 1 Leverage Ratio

81.63%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets6.99%6.75%0.94%-0.94%-3.85%-1,084 bps
Return on Equity7.78%7.59%1.09%-1.10%-4.54%-1,232 bps
Net Interest Margin0.21%0.26%0.17%0.45%0.38%+17 bps
Efficiency Ratio89.39%89.79%98.52%101.27%103.92%+1,453 bps
Non-Interest Burden-10.83%-10.08%-1.38%1.79%4.56%+1,539 bps
Growth
Asset Growth (YoY)10.21%14.83%15.55%6.12%-1.19%-1,140 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a85.84%87.75%81.63%n/a
Total Risk-Based Capital123.50%113.12%435%431%357%+23,332 bps
Equity / Assets86.43%85.67%85.78%86.23%81.75%-468 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets24.89%24.30%17.73%14.81%15.21%-968 bps
CRE / Total Capitaln/an/an/an/an/an/an/a