New Orleans, LA · Cert 58302
FDIC · 40 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Orleans, LA · Cert 58302
FDIC · 40 branches
Q1 2017
Market Position · New Orleans-Metairie, LA · 2016 SOD (annual) · 9.7% share · #4 of 34 inst. · $3.5B of $35.7B
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.20% | -0.52% | 1.97% | 1.18% | 1.05% | -12.08% | 3.15% | +118 bps | |
| Return on Equity | 11.16% | 11.02% | -4.98% | 21.04% | 12.61% | 11.16% | -169.27% | -93.10% | -11,414 bps | |
| Net Interest Margin | 2.79% | 2.72% | 2.74% | 2.76% | 2.83% | 2.86% | 2.75% | 1.99% | -77 bps | |
| Efficiency Ratio | 99.85% | 102.31% | 108.85% | 102.94% | 107.87% | 108.01% | 133.92% | 50.73% | -5,221 bps | |
| Non-Interest Burden | 2.75% | 2.76% | 2.93% | 2.77% | 3.00% | 3.03% | 4.05% | -0.71% | -349 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.19% | 19.14% | 26.35% | 20.45% | 18.63% | 14.54% | -10.81% | -31.53% | -5,199 bps | |
| Loan Growth (YoY) | 13.80% | 13.50% | 18.31% | 18.01% | 20.10% | 19.88% | 13.17% | -29.11% | -4,712 bps | |
| Deposit Growth (YoY) | 15.05% | 21.84% | 22.51% | 16.55% | 14.91% | 5.36% | -7.91% | -23.36% | -3,991 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 21.99% | +2,199 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 2.22% | 0.99% | 0.52% | 0.35% | 0.35% | -0.31% | -131 bps | |
| Allowance / Loans | 1.60% | 1.63% | 2.25% | 2.32% | 2.03% | 2.07% | 9.29% | 14.29% | +1,197 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.6x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.46% | 10.34% | 7.44% | 7.28% | 7.26% | 7.33% | -2.33% | -1.99% | -926 bps | |
| Total Risk-Based Capital | 12.45% | 12.28% | 8.96% | 9.24% | 9.05% | 8.95% | -1.49% | -1.73% | -1,097 bps | |
| Equity / Assets | 11.24% | 10.92% | 9.29% | 9.44% | 9.46% | 9.49% | -3.38% | -3.39% | -1,283 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.95% | 89.60% | 90.63% | 91.86% | 96.10% | 101.95% | 111.38% | 84.96% | -689 bps | |
| Liquid Assets / Assets | 4.07% | 5.86% | 7.97% | 8.28% | 3.87% | 3.01% | 2.89% | 18.17% | +989 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |