New Orleans, LA · Cert 33405
FDIC · 14 branches
Q4 2021
Market Position · New Orleans-Metairie, LA · 2021 SOD (annual) · 1.8% share · #7 of 34 inst. · $0.9B of $47.9B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.44% | 1.56% | 1.66% | 1.99% | 1.98% | 2.15% | 2.05% | +39 bps | |
| Return on Equity | 14.88% | 15.20% | 16.87% | 18.06% | 21.78% | 21.94% | 23.67% | 22.44% | +438 bps | |
| Net Interest Margin | 4.29% | 3.72% | 3.63% | 3.99% | 4.03% | 3.88% | 3.59% | 3.54% | -46 bps | |
| Efficiency Ratio | 69.10% | 61.52% | 62.52% | 62.59% | 63.99% | 62.94% | 59.63% | 59.78% | -282 bps | |
| Non-Interest Burden | 2.71% | 1.64% | 1.70% | 2.07% | 2.04% | 1.95% | 1.59% | 1.62% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.30% | 16.51% | 19.56% | 19.96% | 19.91% | 9.72% | 5.89% | 8.45% | -1,151 bps | |
| Loan Growth (YoY) | 9.75% | 21.58% | 19.79% | 14.65% | 17.49% | 2.06% | -3.54% | -0.89% | -1,554 bps | |
| Deposit Growth (YoY) | 9.05% | 16.88% | 27.02% | 25.75% | 22.74% | 13.30% | 5.69% | 8.39% | -1,735 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.36% | 1.09% | 1.85% | 1.16% | 0.70% | 0.24% | 0.27% | 0.30% | -87 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0.09% | 0.06% | +6 bps | |
| Allowance / Loans | 0.89% | 1.14% | 1.15% | 1.20% | 1.17% | 1.16% | 1.14% | 1.15% | -5 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.0x | 0.6x | 1.0x | 1.7x | 4.9x | 4.2x | 3.9x | +2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.06% | 9.03% | 8.59% | 8.83% | 9.27% | 8.92% | 9.20% | 9.32% | +49 bps | |
| Total Risk-Based Capital | 12.07% | 12.54% | 12.46% | 12.81% | 13.45% | 13.52% | 14.68% | 14.75% | +194 bps | |
| Equity / Assets | 9.67% | 8.69% | 8.64% | 9.09% | 9.19% | 8.80% | 9.33% | 9.31% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.12% | 102.59% | 100.06% | 96.91% | 97.76% | 92.41% | 91.32% | 88.62% | -830 bps | |
| Liquid Assets / Assets | 2.10% | 2.67% | 3.35% | 4.68% | 5.00% | 9.38% | 12.91% | 14.71% | +1,003 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |