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State-Investors Bank

Metairie, LA · Cert 27626

FDIC · 4 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

State-Investors Bank

Metairie, LA · Cert 27626

FDIC · 4 branches

Q3 2015

$248.7MAssets
$201.6MLoans
$150.6MDeposits
$39.9MEquity
Loan mix
99%RE $165.1M0%C&I $0.6M1%Consumer $1.3MQ3 2014Q3 2015
Deposit mix
92%Interest-bearing $138.9M8%Noninterest $11.8MQ3 2014Q3 2015

NIM

4.08%Q3 ’134.41%Q3 ’144.34%Q3 ’15+12%-2%

Non-interest income vs. expense

2.46%Q3 ’132.44%Q3 ’142.43%Q3 ’15-2%0%

Market Position · New Orleans-Metairie, LA · 2015 SOD (annual) · 0.5% share · #18 of 36 inst. · $0.2B of $33.6B

0.9% Jefferson
0.7% St. Tammany
0.1% Orleans

Executive Summary

  • Earnings: ROA of 0.65%, up 4 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.11%.
  • Funding: loans stand at 133.83% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.65%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-5 bps YoY

Efficiency Ratio (YTD, annualized)

71.30%+84 bps YoY

Tier 1 Leverage Ratio

15.11%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.61%0.63%0.51%0.51%0.65%+4 bps
Return on Equity4.15%4.32%3.50%3.47%4.33%+17 bps
Net Interest Margin3.42%3.38%3.45%3.39%3.36%-5 bps
Efficiency Ratio70.46%69.52%76.18%72.95%71.30%+84 bps
Non-Interest Burden2.40%2.34%2.62%2.46%2.39%-1 bps
Growth
Asset Growth (YoY)5.00%5.15%2.92%-2.76%-7.47%-1,247 bps
Loan Growth (YoY)9.87%9.46%6.01%-2.84%-6.03%-1,590 bps
Deposit Growth (YoY)-1.15%-1.89%-2.79%-5.14%-7.21%-606 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.07%0.00%0.00%0.00%-10 bps
Allowance / Loans0.63%0.64%0.67%0.72%0.77%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a14.43%14.61%15.11%n/a
Total Risk-Based Capital24.19%23.96%23.26%24.21%25.64%+145 bps
Equity / Assets14.26%14.27%14.65%15.01%16.06%+180 bps
Liquidity & Funding
Loans / Deposits132.15%137.32%138.88%134.44%133.83%+168 bps
Liquid Assets / Assets0.64%0.34%0.30%0.77%0.48%-15 bps
CRE / Total Capitaln/an/an/an/an/an/an/a