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Hibernia Homestead Bank

New Orleans, LA · Cert 29831

FDIC · 3 branches

Q2 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: Q2 2018, the quarter ended June 30, 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

Hibernia Homestead Bank

New Orleans, LA · Cert 29831

FDIC · 3 branches

Q2 2018

$125.8MAssets
$105.4MLoans
$106.3MDeposits
$18.3MEquity
Loan mix
96%RE $77.1M4%C&I $2.9M0%Consumer $0.0MQ2 2017Q2 2018
Deposit mix
90%Interest-bearing $95.4M10%Noninterest $11.0MQ2 2017Q2 2018

NIM

3.71%Q2 ’163.72%Q2 ’174.12%Q2 ’18-2%+5%

Non-interest income vs. expense

2.65%Q2 ’162.49%Q2 ’173.81%Q2 ’18-6%+56%

Market Position · New Orleans-Metairie, LA · 2018 SOD (annual) · 0.3% share · #18 of 35 inst. · $0.1B of $34.4B

0.5% Orleans
0.3% Jefferson

Executive Summary

  • Earnings: ROA of -0.46%, down 75 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.76% of loans (+56 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 14.31%, down 7 bps from a year ago.
  • Funding: loans stand at 99.11% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.46%-75 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+15 bps YoY

Efficiency Ratio (YTD, annualized)

121.52%+3,948 bps YoY

Tier 1 Leverage Ratio

14.31%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.30%0.36%0.11%0.35%-0.46%-75 bps
Return on Equity2.03%2.48%0.80%2.46%-3.22%-525 bps
Net Interest Margin2.99%3.05%3.04%3.10%3.14%+15 bps
Efficiency Ratio82.04%79.67%85.19%85.44%121.52%+3,948 bps
Non-Interest Burden2.44%2.41%2.58%2.64%3.81%+137 bps
Growth
Asset Growth (YoY)10.05%11.64%8.75%1.77%-4.52%-1,457 bps
Loan Growth (YoY)13.83%15.07%7.99%7.12%-6.22%-2,005 bps
Deposit Growth (YoY)10.46%10.76%6.99%6.51%-1.68%-1,215 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.18%0.16%0.16%0.76%+56 bps
Net Charge-Offs / Loans0.00%0.00%0.01%-0.01%-0.01%-1 bps
Allowance / Loans0.80%0.80%0.81%0.83%0.88%+8 bps
Allowance Coverage of NPLs4.2x4.4x5.0x5.0x1.2x-3.0x
Capital
Tier 1 Leverage Ratio14.38%14.24%13.85%14.23%14.31%-7 bps
Total Risk-Based Capital21.71%21.87%22.20%22.86%23.71%+200 bps
Equity / Assets14.25%13.87%13.77%14.37%14.54%+29 bps
Liquidity & Funding
Loans / Deposits103.91%104.83%102.83%100.77%99.11%-479 bps
Liquid Assets / Assets4.20%4.69%7.17%5.81%5.29%+109 bps
CRE / Total Capitaln/an/an/an/an/an/an/a