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State Banking Performance Summary
FDIC-Insured Institutions

All Insured Institutions
Louisiana
March 31, 2014
All Insured Institutions
Louisiana
March 31, 2013
All Insured Institutions
Louisiana
March 31, 2012
      (dollar figures in millions) All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
Number of institutions reporting141 33 108 144 34 110 146 36 110
Total employees (full-time equivalent)14,594 625 13,969 16,136 642 15,494 15,681 682 14,999
AGGREGATE CONDITION AND INCOME DATA                 
Net income (year-to-date)143 5 138 153 5 148 136 5 131
Total assets60,428 2,181 58,247 69,997 2,201 67,796 66,854 2,330 64,524
Earning assets55,276 2,008 53,268 63,641 2,038 61,603 60,234 2,148 58,086
Total loans & leases40,012 1,128 38,883 43,317 1,104 42,213 40,076 1,172 38,904
Other real estate owned217 11 206 343 9 334 395 8 387
Total deposits50,690 1,817 48,872 58,221 1,834 56,388 54,997 1,934 53,063
Equity capital6,673 305 6,368 8,239 308 7,931 7,753 330 7,423
PERFORMANCE RATIOS (YTD, %)                 
Yield on earning assets4.39 4.29 4.39 4.37 4.29 4.37 4.74 4.64 4.75
Cost of funding earning assets0.50 0.48 0.50 0.53 0.55 0.53 0.69 0.70 0.69
Net interest margin3.89 3.81 3.89 3.83 3.74 3.83 4.05 3.94 4.05
Noninterest income to avg. earning assets0.92 0.73 0.93 1.00 0.70 1.01 0.97 0.54 0.99
Noninterest expense to avg. earning assets3.40 3.36 3.40 3.62 3.22 3.63 3.65 3.29 3.67
Net charge-offs to loans & leases0.16 0.06 0.17 0.25 0.13 0.25 0.35 0.28 0.35
Credit-loss provision to net charge-offs156.91 155.29 156.93 78.54 122.25 77.98 121.07 184.57 119.59
Net operating income to average assets0.95 0.95 0.95 0.83 0.94 0.83 0.78 0.76 0.78
Retained earnings to average equity3.94 4.54 3.91 3.95 3.74 3.95 5.09 3.80 5.14
Pre tax return on assets1.13 1.04 1.14 1.03 1.04 1.03 1.00 0.92 1.01
Return on assets0.96 0.95 0.96 0.88 0.94 0.87 0.80 0.83 0.80
Return on equity8.67 6.86 8.76 7.48 6.70 7.51 6.94 5.81 6.99
Percent of unprofitable institutions2.13 6.06 0.93 2.08   2.73 4.11 8.33 2.73
Percent of institutions with earning gains57.45 60.61 56.48 49.31 26.47 56.36 66.44 58.33 69.09
CONDITION RATIOS (%)                 
Net loans and leases to assets65.34 51.01 65.88 61.02 49.40 61.40 59.05 49.56 59.40
Loss allowance to:                 
    Loans and leases1.31 1.42 1.31 1.40 1.50 1.40 1.49 1.48 1.49
    Noncurrent loans a98.98 69.17 100.34 65.08 70.32 64.94 48.58 70.83 48.13
Noncurrent loans & leases to                 
    total loans & leas1.33 2.05 1.31 2.15 2.13 2.15 3.06 2.09 3.09
Nonperforming assets to assets1.25 1.54 1.23 1.83 1.49 1.84 2.43 1.41 2.47
Core deposits to total liabilities78.21 74.42 78.35 79.13 74.84 79.27 77.02 73.55 77.14
Equity capital to total assets11.04 13.99 10.93 11.77 14.01 11.70 11.60 14.15 11.50
Core capital (leverage) ratio10.37 13.81 10.24 10.03 13.39 9.92 9.65 13.57 9.51
Total capital to risk-weighted assets15.53 26.01 15.22 15.89 26.37 15.62 16.13 26.40 15.83
Gross 1-4 family mortgages to gross assets17.62 23.64 17.39 16.10 22.82 15.88 16.03 23.06 15.78
Gross real estate assets to gross assets55.06 50.51 55.23 54.34 50.22 54.47 54.85 52.12 54.94
Source: Call Report and Thrift Financial Report
Prepared by the FDIC-Division of Insurance and Research
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