Ruston, LA · Cert 33196
FDIC
Q3 2015
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ruston, LA · Cert 33196
FDIC
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 7.79% | 9.78% | 5.86% | 6.99% | 6.75% | 0.94% | -0.94% | -3.85% | -1,084 bps | |
| Return on Equity | 8.48% | 10.56% | 6.44% | 7.78% | 7.59% | 1.09% | -1.10% | -4.54% | -1,232 bps | |
| Net Interest Margin | 0.31% | 0.06% | 0.31% | 0.21% | 0.26% | 0.17% | 0.45% | 0.38% | +17 bps | |
| Efficiency Ratio | 89.80% | 84.93% | 89.16% | 89.39% | 89.79% | 98.52% | 101.27% | 103.92% | +1,453 bps | |
| Non-Interest Burden | -11.67% | -15.55% | -11.17% | -10.83% | -10.08% | -1.38% | 1.79% | 4.56% | +1,539 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.00% | -2.13% | 8.12% | 10.21% | 14.83% | 15.55% | 6.12% | -1.19% | -1,140 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 85.84% | 87.75% | 81.63% | n/a | |
| Total Risk-Based Capital | 138.01% | 149.56% | 131.30% | 123.50% | 113.12% | 435% | 431% | 357% | +23,332 bps | |
| Equity / Assets | 91.18% | 94.08% | 88.07% | 86.43% | 85.67% | 85.78% | 86.23% | 81.75% | -468 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 27.74% | 27.88% | 26.02% | 24.89% | 24.30% | 17.73% | 14.81% | 15.21% | -968 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |