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Richland State Bank

Rayville, LA · Cert 8526

FDIC · 8 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Richland State Bank

Rayville, LA · Cert 8526

FDIC · 8 branches

Q3 2018

$306.9MAssets
$200.7MLoans
$269.6MDeposits
$34.1MEquity
Loan mix
79%RE $119.8M18%C&I $27.3M3%Consumer $4.5MQ3 2017Q3 2018
Deposit mix
76%Interest-bearing $205.4M24%Noninterest $64.2MQ3 2017Q3 2018

NIM

4.25%Q3 ’164.41%Q3 ’174.59%Q3 ’18+3%+2%

Non-interest income vs. expense

3.39%Q3 ’163.56%Q3 ’173.48%Q3 ’18+10%-8%

Market Position · Monroe, LA · 2018 SOD (annual) · 2.2% share · #11 of 15 inst. · $0.1B of $3.3B

28.9% Richland
2.5% Ouachita
5.5% Webster
12.2% West Carroll

Executive Summary

  • Earnings: ROA of 1.60%, up 33 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.65% of loans (+56 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.53%, up 34 bps from a year ago.
  • Funding: loans stand at 74.46% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

1.60%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+7 bps YoY

Efficiency Ratio (YTD, annualized)

67.59%-459 bps YoY

Tier 1 Leverage Ratio

11.53%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets1.27%1.35%1.03%1.52%1.60%+33 bps
Return on Equity11.32%12.04%9.52%13.91%14.54%+322 bps
Net Interest Margin4.12%3.97%4.12%4.15%4.18%+7 bps
Efficiency Ratio72.17%70.79%75.89%68.64%67.59%-459 bps
Non-Interest Burden2.74%2.56%2.96%2.55%2.52%-23 bps
Growth
Asset Growth (YoY)-0.28%7.52%7.05%5.36%3.04%+332 bps
Loan Growth (YoY)0.90%0.64%-1.64%-0.35%0.43%-48 bps
Deposit Growth (YoY)4.95%10.24%7.66%8.39%7.01%+206 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.41%0.54%0.65%+56 bps
Net Charge-Offs / Loans0.09%0.07%-0.06%-0.03%0.04%-4 bps
Allowance / Loans0.80%0.88%0.96%0.93%0.89%+9 bps
Allowance Coverage of NPLs9.4x10.0x2.3x1.7x1.4x-8.0x
Capital
Tier 1 Leverage Ratio11.19%11.15%11.05%11.30%11.53%+34 bps
Total Risk-Based Capital15.23%16.14%15.79%15.97%16.18%+94 bps
Equity / Assets11.04%11.08%10.67%11.05%11.13%+9 bps
Liquidity & Funding
Loans / Deposits79.34%71.52%69.90%74.50%74.46%-488 bps
Liquid Assets / Assets14.20%15.91%18.28%13.14%14.45%+25 bps
CRE / Total Capitaln/an/an/an/an/an/an/a