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Mississippi River Bank

Belle Chasse, LA · Cert 23222

FDIC · 2 branches

Q1 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2024, the quarter ended March 31, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mississippi River Bank

Belle Chasse, LA · Cert 23222

FDIC · 2 branches

Q1 2024

$119.0MAssets
$24.4MLoans
$98.9MDeposits
$19.9MEquity
Loan mix
72%RE $16.8M24%C&I $5.5M4%Consumer $1.0MQ1 2023Q1 2024
Deposit mix
45%Interest-bearing $44.2M55%Noninterest $54.7MQ1 2023Q1 2024

NIM

3.04%Q1 ’226.06%Q1 ’236.59%Q1 ’24+100%+6%

Non-interest income vs. expense

2.33%Q1 ’223.09%Q1 ’233.42%Q1 ’24+33%+12%

Market Position · New Orleans-Metairie, LA · 2023 SOD (annual) · 0.3% share · #19 of 31 inst. · $0.1B of $38.8B

Executive Summary

  • Earnings: ROA of 2.47%, down 33 bps year over year; NIM at 6.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 17.13%, up 411 bps from a year ago.
  • Funding: loans stand at 24.64% of deposits as of Q1 2024.

Financial Results

Return on Assets (YTD, annualized)

2.47%-33 bps YoY

Net Interest Margin (YTD, annualized)

6.40%+34 bps YoY

Efficiency Ratio (YTD, annualized)

52.26%+257 bps YoY

Tier 1 Leverage Ratio

17.13%+411 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets2.80%2.97%2.61%2.70%2.47%-33 bps
Return on Equity22.47%23.15%19.77%19.66%15.05%-742 bps
Net Interest Margin6.06%6.30%6.39%6.59%6.40%+34 bps
Efficiency Ratio49.68%52.79%54.32%58.16%52.26%+257 bps
Non-Interest Burden2.93%3.25%3.40%3.45%3.27%+34 bps
Growth
Asset Growth (YoY)3.38%-9.17%-8.05%-8.51%-9.77%-1,315 bps
Loan Growth (YoY)-22.51%-25.30%-18.77%-33.17%-34.07%-1,156 bps
Deposit Growth (YoY)3.84%-12.46%-12.06%-13.09%-13.66%-1,750 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.07%+7 bps
Allowance / Loans1.83%1.02%1.41%1.31%1.42%-41 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.02%13.90%14.54%15.67%17.13%+411 bps
Total Risk-Based Capital54.69%59.18%58.40%72.91%84.52%+2,983 bps
Equity / Assets12.85%13.56%14.44%16.10%16.75%+390 bps
Liquidity & Funding
Loans / Deposits32.27%29.29%31.37%27.57%24.64%-763 bps
Liquid Assets / Assets47.57%42.34%39.04%41.09%49.39%+182 bps
CRE / Total Capitaln/an/an/an/an/an/an/a