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Florida Parishes Bank

Hammond, LA · Cert 29670

FDIC · 7 branches

Q4 2018

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: Q4 2018, the quarter ended December 31, 2018, 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

Florida Parishes Bank

Hammond, LA · Cert 29670

FDIC · 7 branches

Q4 2018

$378.6MAssets
$248.6MLoans
$306.2MDeposits
$40.3MEquity
Loan mix
89%RE $197.7M9%C&I $19.6M3%Consumer $6.1MQ4 2017Q4 2018
Deposit mix
75%Interest-bearing $228.5M25%Noninterest $77.7MQ4 2017Q4 2018

NIM

4.35%Q4 ’164.22%Q4 ’174.75%Q4 ’18-4%+8%

Non-interest income vs. expense

3.61%Q4 ’163.66%Q4 ’173.05%Q4 ’18+6%-14%

Market Position · Hammond, LA · 2018 SOD (annual) · 12.2% share · #3 of 14 inst. · $0.2B of $1.9B

12.2% Tangipahoa
0.4% Jefferson
0.6% St. Tammany

Executive Summary

  • Earnings: ROA of 1.47%, up 98 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.94% of loans (+13 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.75%, up 105 bps from a year ago.
  • Funding: loans stand at 81.18% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

1.47%+98 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+32 bps YoY

Efficiency Ratio (YTD, annualized)

61.56%-1,371 bps YoY

Tier 1 Leverage Ratio

10.75%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.48%1.62%1.63%1.59%1.47%+98 bps
Return on Equity5.21%16.63%16.52%16.08%14.56%+935 bps
Net Interest Margin3.82%4.13%4.19%4.14%4.14%+32 bps
Efficiency Ratio75.27%59.23%58.83%58.63%61.56%-1,371 bps
Non-Interest Burden2.61%2.03%2.10%2.10%2.25%-37 bps
Growth
Asset Growth (YoY)15.74%19.34%11.08%13.16%9.48%-626 bps
Loan Growth (YoY)35.04%38.81%22.02%18.80%12.28%-2,276 bps
Deposit Growth (YoY)16.57%14.63%4.55%6.46%1.25%-1,532 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.76%0.66%0.92%0.94%+13 bps
Net Charge-Offs / Loans0.22%0.02%0.02%0.07%0.08%-14 bps
Allowance / Loans1.98%1.95%1.96%1.90%1.88%-10 bps
Allowance Coverage of NPLs2.4x2.6x2.9x2.1x2.0x-0.4x
Capital
Tier 1 Leverage Ratio9.70%10.18%10.50%10.62%10.75%+105 bps
Total Risk-Based Capital15.47%16.51%17.26%17.56%17.72%+224 bps
Equity / Assets9.56%9.90%10.14%10.02%10.64%+109 bps
Liquidity & Funding
Loans / Deposits73.20%74.07%74.12%75.30%81.18%+797 bps
Liquid Assets / Assets3.22%4.34%4.89%5.32%3.90%+68 bps
CRE / Total Capitaln/an/an/an/an/an/an/a