Louisiana Central Bank

Ferriday, LA · Cert 21232

FDIC

Q4 2001

$76.2MAssets

$43.3MLoans

$68.5MDeposits

$5.9MEquity

Deposit mix

Executive Summary

Earnings: ROA of 1.23%, down 21 bps year over year; NIM at 3.94%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
Funding: loans stand at 63.17% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

1.23%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.94%

Efficiency Ratio (YTD, annualized)

65.24%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.23%	1.84%	1.59%	1.44%	-0.27%	0.64%	1.02%	1.23%	-21 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	4.09%	4.03%	4.04%	3.94%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	64.47%	63.92%	64.03%	65.24%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.16%	2.11%	2.15%	2.16%	n/a
Growth
Asset Growth (YoY)	5.37%	12.97%	7.44%	10.79%	16.02%	10.24%	15.84%	12.35%	+156 bps
Loan Growth (YoY)	29.20%	25.75%	14.44%	15.43%	13.03%	17.97%	13.62%	5.73%	-970 bps
Deposit Growth (YoY)	2.49%	5.07%	11.17%	14.67%	19.95%	18.84%	16.97%	13.18%	-149 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.11%	0.17%	0.15%	0.25%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	2.06%	1.76%	1.81%	2.02%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	13.83%	12.71%	13.17%	14.71%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	7.95%	7.78%	7.80%	7.68%	n/a
Liquidity & Funding
Loans / Deposits	71.53%	77.04%	74.78%	67.62%	67.40%	76.48%	72.64%	63.17%	-445 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.13%	0.08%	0.04%	3.16%	+316 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a