Ruston, LA · Cert 33196
FDIC
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 9.10% | 6.04% | 0.94% | -2.83% | -9.79% | -1,889 bps | |
| Return on Equity | 10.43% | 7.02% | 1.09% | -3.29% | -11.65% | -2,208 bps | |
| Net Interest Margin | 0.06% | 0.45% | 0.17% | 0.74% | 0.23% | +17 bps | |
| Efficiency Ratio | 89.80% | 90.88% | 98.52% | 104.12% | 109.15% | +1,935 bps | |
| Non-Interest Burden | -11.28% | -9.40% | -1.38% | 5.00% | 10.08% | +2,136 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 85.84% | 87.75% | 81.63% | n/a | |
| Total Risk-Based Capital | 123.50% | 113.12% | 435% | 431% | 357% | +23,332 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |