Belle Chasse, LA · Cert 23222
FDIC · 2 branches
Q1 2024
Market Position · New Orleans-Metairie, LA · 2023 SOD (annual) · 0.3% share · #19 of 31 inst. · $0.1B of $38.8B
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.80% | 2.97% | 2.61% | 2.70% | 2.47% | -33 bps | |
| Return on Equity | 22.47% | 23.15% | 19.77% | 19.66% | 15.05% | -742 bps | |
| Net Interest Margin | 6.06% | 6.30% | 6.39% | 6.59% | 6.40% | +34 bps | |
| Efficiency Ratio | 49.68% | 52.79% | 54.32% | 58.16% | 52.26% | +257 bps | |
| Non-Interest Burden | 2.93% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | +7 bps | |
| Allowance / Loans | 1.83% | 1.02% | 1.41% | 1.31% | 1.42% | -41 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.02% | 13.90% | 14.54% | 15.67% | 17.13% | +411 bps | |
| Total Risk-Based Capital | 54.69% | 59.18% | 58.40% | 72.91% | 84.52% | +2,983 bps | |
| Equity / Assets | 12.85% | 13.56% | 14.44% | 16.10% | 16.75% | +390 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.27% | 29.29% | 31.37% | 27.57% | 24.64% | -763 bps | |
| Liquid Assets / Assets | 47.57% | 42.34% | 39.04% | 41.09% | 49.39% | +182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |