Monroe, LA · Cert 34332
FDIC · 12 branches
Q4 2017
Market Position · Monroe, LA · 2017 SOD (annual) · 10.4% share · #4 of 16 inst. · $0.3B of $3.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.88% | 1.77% | 1.64% | 1.68% | 1.61% | 1.70% | 1.61% | -3 bps | |
| Return on Equity | 15.23% | 17.68% | 16.53% | 15.33% | 16.00% | 15.48% | 16.01% | 14.60% | -72 bps | |
| Net Interest Margin | 3.62% | 3.67% | 3.71% | 3.67% | 3.63% | 3.52% | 3.64% | 3.68% | +1 bps | |
| Efficiency Ratio | 63.95% | 59.62% | 60.05% | 61.42% | 61.07% | 61.64% | 60.79% | 63.30% | +187 bps | |
| Non-Interest Burden | 2.07% | 1.80% | 1.90% | 1.96% | 1.93% | 1.87% | 1.91% | 2.06% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.87% | 1.97% | 1.99% | 3.15% | 8.91% | 10.13% | 6.04% | 4.43% | +128 bps | |
| Loan Growth (YoY) | -1.14% | 3.89% | 6.48% | 6.68% | 9.07% | 3.10% | 0.59% | 0.65% | -603 bps | |
| Deposit Growth (YoY) | 5.52% | 5.07% | 2.79% | 1.54% | 5.09% | 7.65% | 5.46% | 5.19% | +365 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.16% | 0.17% | 0.20% | 0.21% | +21 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.05% | 0.01% | -0.01% | 0.02% | 0.04% | 0.03% | +2 bps | |
| Allowance / Loans | 1.07% | 1.02% | 0.99% | 1.01% | 1.00% | 1.01% | 1.00% | 0.99% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 6.4x | 5.9x | 4.9x | 4.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.98% | 10.13% | 10.35% | 10.67% | 10.79% | 10.33% | 10.70% | 11.13% | +46 bps | |
| Total Risk-Based Capital | 14.21% | 13.72% | 13.78% | 14.34% | 14.67% | 14.79% | 15.24% | 15.77% | +143 bps | |
| Equity / Assets | 10.43% | 10.79% | 10.65% | 10.73% | 10.28% | 10.45% | 10.74% | 11.34% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.09% | 84.31% | 85.77% | 86.67% | 82.09% | 80.75% | 81.80% | 82.93% | -374 bps | |
| Liquid Assets / Assets | 7.39% | 1.61% | 3.14% | 0.18% | 7.22% | 7.31% | 5.38% | 2.20% | +202 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |