Metairie, LA · Cert 27397
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Metairie, LA · Cert 27397
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 | -0.49% | -0.32% | -0.62% | 0.11% | 0.08% | 0.04%1 | 0.02%1 | -0.10% | -21 bps | |
| Return on Equity | -6.15% | -4.04% | -7.87% | 1.47% | 1.06% | 0.49% | 0.28% | -1.33% | -280 bps | |
| Net Interest Margin | 4.17% | 4.30% | 4.12% | 4.10% | 4.08% | 4.14% | 4.23% | 4.11% | +1 bps | |
| Efficiency Ratio | 87.81% | 89.43% | 93.65% | 87.24% | 89.28% | 91.48% | 91.95% | 94.62% | +738 bps | |
| Non-Interest Burden | 3.53% | 3.74% | 3.81% | 3.46% | 3.55% | 3.72% | 3.83% | 3.86% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.00% | 1.64% | 0.30% | 0.04% | 0.95% | 0.09% | -1.61% | -4.38% | -443 bps | |
| Loan Growth (YoY) | -3.76% | -1.50% | -3.19% | -4.19% | -3.32% | -3.30% | -7.25% | -7.71% | -352 bps | |
| Deposit Growth (YoY) | 12.82% | 6.00% | 2.28% | 1.59% | 0.90% | 0.92% | -1.06% | -4.40% | -598 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 | 1.14% | 1.09% | 1.02% | 0.59% | 1.28% | 1.12% | 1.36% | 1.44% | +85 bps | |
| Allowance / Loans | 1.39% | 1.38% | 2.00% | 2.06% | 1.76% | 1.73% | 1.50% | 1.33% | -73 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 | 11.70% | 11.60% | 10.84% | 11.02% | 11.20% | 11.27% | 11.33% | 11.38% | +36 bps | |
| Equity / Assets | 7.80% | 7.91% | 7.46% | 7.27% | 7.53% | 7.54% | 7.42% | 7.39% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.83% | 87.20% | 86.64% | 81.77% | 83.20% | 83.56% | 81.22% | 78.93% | -284 bps | |
| Liquid Assets / Assets | 5.59% | 5.61% | 3.21% | 7.76% | 4.59% | 3.70% | 4.80% | 4.35% | -342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |