New Orleans, LA · Cert 18538
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | -0.67% | -0.50% | -0.18% | -0.39% | -0.58% | -1.16% | 0.65% | +83 bps | |
| Return on Equity | -4.22% | -5.47% | -4.03% | -1.46% | -3.11% | -4.67% | -9.28% | 5.08% | +654 bps | |
| Net Interest Margin | 3.68% | 3.77% | 3.80% | 3.67% | 3.71% | 3.67% | 3.59% | 3.47% | -21 bps | |
| Efficiency Ratio | 71.41% | 71.52% | 71.46% | 78.89% | 78.23% | 79.80% | 82.26% | 80.09% | +120 bps | |
| Non-Interest Burden | 2.44% | 2.51% | 2.52% | 2.76% | 2.74% | 2.79% | 2.85% | 2.62% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.75% | 6.11% | -3.97% | -3.69% | -4.69% | -1.24% | -0.81% | -0.76% | +293 bps | |
| Loan Growth (YoY) | 11.14% | 5.16% | -7.30% | -9.96% | -9.63% | -8.45% | -11.91% | -12.77% | -281 bps | |
| Deposit Growth (YoY) | 16.13% | 14.45% | 1.48% | -1.10% | -2.53% | -0.55% | 2.41% | 1.73% | +283 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 | 1.78% | 2.20% | 2.31% | 1.83% | 2.26% | 2.86% | 4.34% | 0.15% | -168 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 13.22% | 13.07% | 13.31% | 13.14% | 12.94% | 13.05% | 13.33% | 14.35% | +120 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.86% | 97.53% | 93.70% | 91.91% | 92.59% | 89.78% | 80.60% | 78.81% | -1,310 bps | |
| Liquid Assets / Assets | 1.61% | 1.59% | 1.47% | 1.42% | 1.41% | 1.36% | 5.44% | 5.90% | +447 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |