New Orleans, LA · Cert 29831
FDIC · 3 branches
Q2 2018
Market Position · New Orleans-Metairie, LA · 2018 SOD (annual) · 0.3% share · #18 of 35 inst. · $0.1B of $34.4B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.22% | 0.30% | 0.30% | 0.36% | 0.11% | 0.35% | -0.46% | -75 bps | |
| Return on Equity | 1.27% | 1.32% | 2.02% | 2.03% | 2.48% | 0.80% | 2.46% | -3.22% | -525 bps | |
| Net Interest Margin | 2.98% | 2.96% | 3.05% | 2.99% | 3.05% | 3.04% | 3.10% | 3.14% | +15 bps | |
| Efficiency Ratio | 86.83% | 86.62% | 84.28% | 82.04% | 79.67% | 85.19% | 85.44% | 121.52% | +3,948 bps | |
| Non-Interest Burden | 2.59% | 2.56% | 2.56% | 2.44% | 2.41% | 2.58% | 2.64% | 3.81% | +137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.17% | 10.48% | 8.62% | 10.05% | 11.64% | 8.75% | 1.77% | -4.52% | -1,457 bps | |
| Loan Growth (YoY) | 7.14% | 7.61% | 4.74% | 13.83% | 15.07% | 7.99% | 7.12% | -6.22% | -2,005 bps | |
| Deposit Growth (YoY) | 8.57% | 13.36% | 7.64% | 10.46% | 10.76% | 6.99% | 6.51% | -1.68% | -1,215 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.21% | 0.19% | 0.18% | 0.16% | 0.16% | 0.76% | +56 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 0.82% | 0.80% | 0.81% | 0.80% | 0.80% | 0.81% | 0.83% | 0.88% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 3.9x | 4.2x | 4.4x | 5.0x | 5.0x | 1.2x | -3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.49% | 15.16% | 15.14% | 14.38% | 14.24% | 13.85% | 14.23% | 14.31% | -7 bps | |
| Total Risk-Based Capital | 26.01% | 23.51% | 22.96% | 21.71% | 21.87% | 22.20% | 22.86% | 23.71% | +200 bps | |
| Equity / Assets | 16.42% | 14.84% | 14.58% | 14.25% | 13.87% | 13.77% | 14.37% | 14.54% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.90% | 101.87% | 100.20% | 103.91% | 104.83% | 102.83% | 100.77% | 99.11% | -479 bps | |
| Liquid Assets / Assets | 6.50% | 3.78% | 7.77% | 4.20% | 4.69% | 7.17% | 5.81% | 5.29% | +109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |