Rayville, LA · Cert 8526
FDIC · 8 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rayville, LA · Cert 8526
FDIC · 8 branches
Q3 2018
Market Position · Monroe, LA · 2018 SOD (annual) · 2.2% share · #11 of 15 inst. · $0.1B of $3.3B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.12% | 1.32% | 1.27% | 1.35% | 1.03% | 1.52% | 1.60% | +33 bps | |
| Return on Equity | 11.46% | 9.97% | 11.75% | 11.32% | 12.04% | 9.52% | 13.91% | 14.54% | +322 bps | |
| Net Interest Margin | 4.05% | 4.20% | 4.16% | 4.12% | 3.97% | 4.12% | 4.15% | 4.18% | +7 bps | |
| Efficiency Ratio | 68.99% | 74.99% | 71.34% | 72.17% | 70.79% | 75.89% | 68.64% | 67.59% | -459 bps | |
| Non-Interest Burden | 2.50% | 2.95% | 2.72% | 2.74% | 2.56% | 2.96% | 2.55% | 2.52% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | -3.23% | -3.83% | -0.28% | 7.52% | 7.05% | 5.36% | 3.04% | +332 bps | |
| Loan Growth (YoY) | 5.79% | 1.23% | 0.73% | 0.90% | 0.64% | -1.64% | -0.35% | 0.43% | -48 bps | |
| Deposit Growth (YoY) | -3.96% | -2.30% | 2.50% | 4.95% | 10.24% | 7.66% | 8.39% | 7.01% | +206 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.09% | 0.09% | 0.09% | 0.41% | 0.54% | 0.65% | +56 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.26% | 0.11% | 0.09% | 0.07% | -0.06% | -0.03% | 0.04% | -4 bps | |
| Allowance / Loans | 0.77% | 0.74% | 0.77% | 0.80% | 0.88% | 0.96% | 0.93% | 0.89% | +9 bps | |
| Allowance Coverage of NPLs | n/a | 4.1x | 8.6x | 9.4x | 10.0x | 2.3x | 1.7x | 1.4x | -8.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.95% | 11.26% | 11.28% | 11.19% | 11.15% | 11.05% | 11.30% | 11.53% | +34 bps | |
| Total Risk-Based Capital | 15.55% | 15.14% | 15.14% | 15.23% | 16.14% | 15.79% | 15.97% | 16.18% | +94 bps | |
| Equity / Assets | 11.28% | 11.15% | 11.37% | 11.04% | 11.08% | 10.67% | 11.05% | 11.13% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.34% | 76.51% | 81.04% | 79.34% | 71.52% | 69.90% | 74.50% | 74.46% | -488 bps | |
| Liquid Assets / Assets | 12.80% | 12.67% | 10.88% | 14.20% | 15.91% | 18.28% | 13.14% | 14.45% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |