Metairie, LA · Cert 27626
FDIC · 4 branches
Q3 2015
Market Position · New Orleans-Metairie, LA · 2015 SOD (annual) · 0.5% share · #18 of 36 inst. · $0.2B of $33.6B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.63% | 0.51% | 0.51% | 0.65% | +4 bps | |
| Return on Equity | 4.15% | 4.32% | 3.50% | 3.47% | 4.33% | +17 bps | |
| Net Interest Margin | 3.42% | 3.38% | 3.45% | 3.39% | 3.36% | -5 bps | |
| Efficiency Ratio | 70.46% | 69.52% | 76.18% | 72.95% | 71.30% | +84 bps | |
| Non-Interest Burden | 2.40% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.07% | 0.00% | 0.00% | 0.00% | -10 bps | |
| Allowance / Loans | 0.63% | 0.64% | 0.67% | 0.72% | 0.77% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 14.43% | 14.61% | 15.11% | n/a | |
| Total Risk-Based Capital | 24.19% | 23.96% | 23.26% | 24.21% | 25.64% | +145 bps | |
| Equity / Assets | 14.26% | 14.27% | 14.65% | 15.01% | 16.06% | +180 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 132.15% | 137.32% | 138.88% | 134.44% | 133.83% | +168 bps | |
| Liquid Assets / Assets | 0.64% | 0.34% | 0.30% | 0.77% | 0.48% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |