New Orleans, LA · Cert 33144
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
New Orleans, LA · Cert 33144
FDIC
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -0.46% | -1.83% | -1.02% | -2.01% | -0.48% | -0.85% | -3.47% | -245 bps | |
| Return on Equity | 0.61% | -7.52% | -29.49% | -15.18% | -31.13% | -7.50% | -13.55% | -63.70% | -4,852 bps | |
| Net Interest Margin | 4.75% | 4.76% | 4.85% | 5.17% | 5.23% | 5.24% | 4.98% | 4.93% | -24 bps | |
| Efficiency Ratio | 99.66% | 105.44% | 123.21% | 112.47% | 121.04% | 102.43% | 107.71% | 160.72% | +4,825 bps | |
| Non-Interest Burden | 4.73% | 5.20% | 6.62% | 6.16% | 6.77% | 5.45% | 5.61% | 8.37% | +221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.96% | 1.31% | 5.11% | 6.32% | -7.87% | 0.85% | 5.24% | 1.59% | -473 bps | |
| Loan Growth (YoY) | 29.61% | 28.36% | 35.86% | 38.33% | 28.06% | 17.93% | 13.07% | 4.55% | -3,377 bps | |
| Deposit Growth (YoY) | 3.16% | 0.37% | 3.20% | -1.61% | -15.44% | -8.22% | -6.30% | -2.52% | -91 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 | -0.12% | 0.07% | -0.10% | 0.22% | 0.67% | 0.66% | 0.54% | 0.31% | +8 bps | |
| Allowance / Loans | 1.89% | 1.68% | 1.71% | 1.54% | 1.47% | 1.36% | 1.26% | 1.20% | -34 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.05% | 15.20% | 12.93% | 12.21% | 10.93% | 11.64% | 10.99% | 9.45% | -276 bps | |
| Equity / Assets | 5.45% | 7.80% | 6.84% | 6.62% | 5.92% | 6.20% | 5.69% | 5.20% | -142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.20% | 61.80% | 68.06% | 77.46% | 83.60% | 79.41% | 82.13% | 83.08% | +562 bps | |
| Liquid Assets / Assets | 18.96% | 15.26% | 10.79% | 8.15% | 6.21% | 12.56% | 12.54% | 11.03% | +288 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |