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First Bank and Trust

New Orleans, LA · Cert 33405

FDIC · 14 branches

Q4 2021

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 2021, the quarter ended December 31, 2021, 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

First Bank and Trust

New Orleans, LA · Cert 33405

FDIC · 14 branches

Q4 2021

$1.3BAssets
$1.0BLoans
$1.1BDeposits
$118.3MEquity
Loan mix
85%RE $660.8M12%C&I $94.6M2%Consumer $19.1MQ4 2020Q4 2021
Deposit mix
66%Interest-bearing $763.8M34%Noninterest $386.1MQ4 2020Q4 2021

NIM

5.40%Q4 ’194.82%Q4 ’203.96%Q4 ’21-6%-11%

Non-interest income vs. expense

3.37%Q4 ’193.22%Q4 ’202.84%Q4 ’21-10%-22%

Market Position · New Orleans-Metairie, LA · 2021 SOD (annual) · 1.8% share · #7 of 34 inst. · $0.9B of $47.9B

1.7% Orleans
2.2% Jefferson
2.1% St. Tammany
5.8% Tangipahoa

Executive Summary

  • Earnings: ROA of 2.05%, up 39 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.30% of loans (-87 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.32%, up 49 bps from a year ago.
  • Funding: loans stand at 88.62% of deposits as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

2.05%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.54%-46 bps YoY

Efficiency Ratio (YTD, annualized)

59.78%-282 bps YoY

Tier 1 Leverage Ratio

9.32%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets1.66%1.99%1.98%2.15%2.05%+39 bps
Return on Equity18.06%21.78%21.94%23.67%22.44%+438 bps
Net Interest Margin3.99%4.03%3.88%3.59%3.54%-46 bps
Efficiency Ratio62.59%63.99%62.94%59.63%59.78%-282 bps
Non-Interest Burden2.07%2.04%1.95%1.59%1.62%-45 bps
Growth
Asset Growth (YoY)19.96%19.91%9.72%5.89%8.45%-1,151 bps
Loan Growth (YoY)14.65%17.49%2.06%-3.54%-0.89%-1,554 bps
Deposit Growth (YoY)25.75%22.74%13.30%5.69%8.39%-1,735 bps
Asset Quality
Nonperforming Loans / Loans1.16%0.70%0.24%0.27%0.30%-87 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%0.09%0.06%+6 bps
Allowance / Loans1.20%1.17%1.16%1.14%1.15%-5 bps
Allowance Coverage of NPLs1.0x1.7x4.9x4.2x3.9x+2.9x
Capital
Tier 1 Leverage Ratio8.83%9.27%8.92%9.20%9.32%+49 bps
Total Risk-Based Capital12.81%13.45%13.52%14.68%14.75%+194 bps
Equity / Assets9.09%9.19%8.80%9.33%9.31%+21 bps
Liquidity & Funding
Loans / Deposits96.91%97.76%92.41%91.32%88.62%-830 bps
Liquid Assets / Assets4.68%5.00%9.38%12.91%14.71%+1,003 bps
CRE / Total Capitaln/an/an/an/an/an/an/a