Jena, LA · Cert 8804
FDIC · 5 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Jena, LA · Cert 8804
FDIC · 5 branches
Q3 2014
Market Position · Alexandria, LA · 2014 SOD (annual) · 0.3% share · #15 of 16 inst. · $0.0B of $2.4B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.64% | 0.62% | 0.59% | 0.49% | 0.90% | 0.83% | 0.84% | +25 bps | |
| Return on Equity | 9.71% | 7.61% | 7.44% | 7.25% | 6.00% | 11.16% | 10.17% | 10.10% | +285 bps | |
| Net Interest Margin | 3.22% | 3.03% | 3.09% | 3.17% | 3.35% | 3.51% | 3.46% | 3.41% | +25 bps | |
| Efficiency Ratio | 82.71% | 83.87% | 85.06% | 85.95% | 88.64% | 80.60% | 81.73% | 81.36% | -459 bps | |
| Non-Interest Burden | 2.53% | 2.40% | 2.49% | 2.58% | 2.87% | 2.64% | 2.64% | 2.59% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.73% | 4.64% | 1.67% | -0.39% | -11.39% | -8.03% | -0.31% | -1.19% | -80 bps | |
| Loan Growth (YoY) | 1.50% | 0.01% | -2.40% | -6.08% | -2.81% | 3.21% | 3.58% | -4.51% | +157 bps | |
| Deposit Growth (YoY) | 3.12% | 5.61% | 3.33% | 1.56% | -10.62% | -7.51% | -0.47% | -1.77% | -333 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.11% | 0.09% | 0.06% | 0.11% | 0.17% | 0.18% | 0.13% | +8 bps | |
| Allowance / Loans | 0.65% | 0.66% | 0.64% | 0.65% | 0.56% | 0.52% | 0.47% | 0.54% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.50% | 16.49% | 16.70% | 16.11% | 15.76% | 15.73% | 15.85% | 17.44% | +133 bps | |
| Equity / Assets | 8.64% | 8.29% | 7.94% | 7.87% | 8.06% | 8.03% | 8.39% | 8.74% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.65% | 46.18% | 48.93% | 49.63% | 56.16% | 51.53% | 50.92% | 48.25% | -138 bps | |
| Liquid Assets / Assets | 3.26% | 6.59% | 3.30% | 3.43% | 1.53% | 3.14% | 2.27% | 2.28% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |