Ivanhoe

New Iberia, LA · Charter 15665

Q4 1998

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 1998, the quarter ended December 31, 1998, 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 Iberia, LA · Charter 15665

Q4 1998

$389KAssets

$238KLoans

$285KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.34%+44 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	1.75%	2.25%	2.08%	2.90%	2.93%	3.74%	2.81%	3.34%	+44 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	4.52%	4.15%	3.40%	4.90%	9.58%	12.98%	+883 bps
Loan Growth (YoY)	n/a	n/a	21.56%	25.68%	35.18%	20.43%	-1.68%	-25.20%	-5,089 bps
Share Growth (YoY)	n/a	n/a	2.88%	2.81%	1.50%	5.11%	10.13%	15.88%	+1,307 bps
Asset Quality
Delinquent Loans / Loans	3.31%	4.58%	2.99%	2.61%	0.09%	0.00%	0.41%	0.45%	-216 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.78%	1.79%	1.76%	1.91%	2.06%	2.22%	2.57%	3.40%	+149 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	101.06%	117.75%	133.24%	129.19%	134.58%	134.91%	118.96%	83.39%	-4,580 bps
Liquid Assets / Assets	24.58%	8.62%	2.38%	2.32%	2.39%	1.12%	8.14%	22.69%	+2,037 bps