Marksville, LA · Cert 8800
FDIC · 8 branches
Q3 2019
Market Position · Alexandria, LA · 2019 SOD (annual) · 1.2% share · #12 of 14 inst. · $0.0B of $2.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 0.87% | 1.08% | 1.31% | 1.25% | 1.44% | 1.09% | 0.77% | -54 bps | |
| Return on Equity | 18.27% | 10.04% | 12.12% | 14.07% | 12.96% | 14.26% | 10.30% | 6.96% | -711 bps | |
| Net Interest Margin | 3.87% | 3.76% | 3.79% | 3.80% | 3.91% | 3.97% | 3.88% | 3.98% | +17 bps | |
| Efficiency Ratio | 69.06% | 69.00% | 67.86% | 62.77% | 66.83% | 60.44% | 68.25% | 63.09% | +32 bps | |
| Non-Interest Burden | 2.49% | 2.40% | 2.40% | 2.16% | 2.38% | 2.16% | 2.45% | 2.27% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.59% | 0.56% | 2.36% | 1.78% | -1.04% | -3.89% | -3.39% | -4.53% | -631 bps | |
| Loan Growth (YoY) | 0.28% | 0.48% | -1.60% | -1.47% | -0.19% | 1.81% | 3.74% | 1.78% | +326 bps | |
| Deposit Growth (YoY) | 11.10% | 11.62% | 3.56% | 2.70% | -2.31% | -5.98% | -5.91% | -7.48% | -1,018 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 1.14% | 1.29% | 1.76% | 1.77% | 1.98% | 1.51% | 2.63% | +86 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.09% | 0.03% | 0.11% | 0.04% | -0.25% | 0.12% | 1.08% | +97 bps | |
| Allowance / Loans | 0.63% | 0.71% | 0.72% | 0.68% | 0.67% | 0.73% | 0.70% | 0.70% | +2 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.6x | 0.4x | 0.4x | 0.4x | 0.5x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.73% | 8.92% | 9.15% | 9.54% | 9.85% | 10.42% | 10.73% | 10.96% | +141 bps | |
| Total Risk-Based Capital | 14.79% | 14.45% | 16.58% | 14.89% | 16.58% | 15.36% | 16.07% | 15.51% | +62 bps | |
| Equity / Assets | 8.60% | 8.79% | 9.09% | 9.47% | 9.78% | 10.46% | 10.77% | 11.23% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.58% | 80.29% | 80.63% | 83.02% | 82.33% | 86.94% | 88.90% | 91.33% | +831 bps | |
| Liquid Assets / Assets | 7.09% | 4.15% | 6.31% | 5.17% | 4.84% | 2.38% | 2.02% | 2.08% | -309 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |