PackageTrendsPeer
Letter portraitLegal landscape

First NBC Bank

New Orleans, LA · Cert 58302

FDIC · 40 branches

Q1 2017

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: Q1 2017, the quarter ended March 31, 2017, 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 NBC Bank

New Orleans, LA · Cert 58302

FDIC · 40 branches

Q1 2017

$3.3BAssets
$2.6BLoans
$3.0BDeposits
$-112623KEquity
Loan mix
54%RE $1.2B45%C&I $1.0B1%Consumer $0.0BQ1 2016Q1 2017
Deposit mix
91%Interest-bearing $2.7B9%Noninterest $0.3BQ1 2016Q1 2017

NIM

3.90%Q1 ’153.81%Q1 ’163.63%Q1 ’17-2%-28%

Non-interest income vs. expense

3.22%Q1 ’153.17%Q1 ’162.80%Q1 ’17-4%-126%

Market Position · New Orleans-Metairie, LA · 2016 SOD (annual) · 9.7% share · #4 of 34 inst. · $3.5B of $35.7B

14.5% Jefferson
7.0% Orleans
12.9% St. Tammany
15.1% Tangipahoa

Executive Summary

  • Earnings: ROA of 3.15%, up 118 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 21.99% of loans (+2,199 bps YoY), with net recoveries of 0.31%.
  • Capital: tier 1 leverage ratio of -1.99%, down 926 bps from a year ago.
  • Funding: loans stand at 84.96% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

3.15%+118 bps YoY

Net Interest Margin (YTD, annualized)

1.99%-77 bps YoY

Efficiency Ratio (YTD, annualized)

50.73%-5,221 bps YoY

Tier 1 Leverage Ratio

-1.99%-926 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets1.97%1.18%1.05%-12.08%3.15%+118 bps
Return on Equity21.04%12.61%11.16%-169.27%-93.10%-11,414 bps
Net Interest Margin2.76%2.83%2.86%2.75%1.99%-77 bps
Efficiency Ratio102.94%107.87%108.01%133.92%50.73%-5,221 bps
Non-Interest Burden2.77%3.00%3.03%4.05%-0.71%-349 bps
Growth
Asset Growth (YoY)20.45%18.63%14.54%-10.81%-31.53%-5,199 bps
Loan Growth (YoY)18.01%20.10%19.88%13.17%-29.11%-4,712 bps
Deposit Growth (YoY)16.55%14.91%5.36%-7.91%-23.36%-3,991 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%21.99%+2,199 bps
Net Charge-Offs / Loans0.99%0.52%0.35%0.35%-0.31%-131 bps
Allowance / Loans2.32%2.03%2.07%9.29%14.29%+1,197 bps
Allowance Coverage of NPLsn/an/an/an/a0.6xn/an/a
Capital
Tier 1 Leverage Ratio7.28%7.26%7.33%-2.33%-1.99%-926 bps
Total Risk-Based Capital9.24%9.05%8.95%-1.49%-1.73%-1,097 bps
Equity / Assets9.44%9.46%9.49%-3.38%-3.39%-1,283 bps
Liquidity & Funding
Loans / Deposits91.86%96.10%101.95%111.38%84.96%-689 bps
Liquid Assets / Assets8.28%3.87%3.01%2.89%18.17%+989 bps
CRE / Total Capitaln/an/an/an/an/an/an/a