New Roads, LA · Cert 23090
FDIC · 4 branches
Q2 2023
Market Position · Baton Rouge, LA · 2023 SOD (annual) · 1.0% share · #13 of 36 inst. · $0.3B of $26.5B
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.71% | 1.80% | 1.80% | 1.89% | 2.05% | 1.83% | 1.89% | +9 bps | |
| Return on Equity | 12.54% | 12.50% | 12.71% | 12.28% | 12.54% | 13.17% | 10.14% | 10.19% | -209 bps | |
| Net Interest Margin | 3.91% | 3.77% | 3.67% | 3.84% | 4.21% | 4.46% | 4.82% | 4.97% | +112 bps | |
| Efficiency Ratio | 46.65% | 46.17% | 43.70% | 44.39% | 44.14% | 43.05% | 36.16% | 36.99% | -740 bps | |
| Non-Interest Burden | 1.69% | 1.59% | 1.39% | 1.53% | 1.68% | 1.74% | 1.57% | 1.67% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.56% | 7.28% | 5.16% | -2.75% | -7.99% | -12.06% | -14.53% | -11.52% | -877 bps | |
| Loan Growth (YoY) | 1.10% | -0.91% | -4.82% | -8.75% | -6.82% | -7.85% | -6.75% | -4.60% | +416 bps | |
| Deposit Growth (YoY) | 13.10% | 9.17% | 6.64% | -3.63% | -11.32% | -14.59% | -17.87% | -14.62% | -1,099 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.47% | 1.05% | 0.80% | 1.68% | 0.72% | 1.42% | 2.88% | 4.66% | +298 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.09% | 0.01% | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.63% | 0.68% | 0.69% | 0.71% | 0.71% | 0.74% | 1.03% | 1.27% | +56 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.7x | 0.9x | 0.4x | 1.0x | 0.5x | 0.4x | 0.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.01% | 14.06% | 14.35% | 15.38% | 16.78% | 17.45% | 18.64% | 19.36% | +397 bps | |
| Total Risk-Based Capital | 14.01% | 14.06% | 14.35% | 15.38% | 16.78% | 17.45% | 18.64% | 19.36% | +397 bps | |
| Equity / Assets | 13.72% | 14.05% | 14.34% | 15.60% | 16.54% | 17.57% | 18.59% | 19.48% | +388 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.33% | 87.11% | 86.58% | 90.41% | 94.92% | 93.98% | 98.30% | 101.03% | +1,061 bps | |
| Liquid Assets / Assets | 14.73% | 19.22% | 19.36% | 16.05% | 14.87% | 13.42% | 12.20% | 10.24% | -581 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |