Metairie, LA · Cert 28411
FDIC · 4 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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 28411
FDIC · 4 branches
Q2 2015
Market Position · New Orleans-Metairie, LA · 2015 SOD (annual) · 0.6% share · #16 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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.86% | 0.78% | 0.70% | 0.83% | 0.94% | 0.87% | 0.95% | +25 bps | |
| Return on Equity | 6.20% | 5.99% | 5.20% | 4.68% | 5.70% | 6.43% | 5.96% | 6.53% | +185 bps | |
| Net Interest Margin | 3.05% | 3.08% | 3.06% | 3.01% | 3.03% | 3.12% | 3.21% | 3.24% | +23 bps | |
| Efficiency Ratio | 61.64% | 62.60% | 65.37% | 67.72% | 64.13% | 60.79% | 64.49% | 60.48% | -724 bps | |
| Non-Interest Burden | 1.60% | 1.69% | 1.84% | 1.89% | 1.73% | 1.66% | 1.90% | 1.73% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.23% | 1.63% | 0.80% | 0.55% | 1.07% | 5.25% | 5.11% | 9.71% | +915 bps | |
| Loan Growth (YoY) | 13.62% | 16.10% | 8.69% | 8.40% | 6.96% | 11.05% | 10.82% | 12.95% | +455 bps | |
| Deposit Growth (YoY) | 3.35% | 2.74% | 2.23% | -0.11% | -1.70% | -2.75% | 1.67% | 4.76% | +487 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 | -0.02% | -0.02% | 0.00% | 0.07% | 0.03% | 0.02% | -0.01% | 0.00% | -7 bps | |
| Allowance / Loans | 0.89% | 0.89% | 0.90% | 0.85% | 0.86% | 0.85% | 0.85% | 0.86% | 0 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 | 14.76% | 14.88% | n/a | |
| Total Risk-Based Capital | 26.02% | 26.58% | 26.84% | 26.19% | 23.11% | 24.96% | 25.35% | 24.47% | -172 bps | |
| Equity / Assets | 14.44% | 14.84% | 15.13% | 15.15% | 13.34% | 14.48% | 14.81% | 14.32% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.18% | 117.63% | 119.46% | 124.49% | 129.68% | 134.32% | 130.20% | 134.22% | +973 bps | |
| Liquid Assets / Assets | 16.93% | 16.53% | 15.78% | 14.95% | 13.78% | 12.76% | 12.39% | 12.79% | -216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |