Schwegmann Bank and Trust Company

Harvey, LA · Cert 25139

FDIC

Q2 2001

$34.9MAssets

$22.4MLoans

$32.0MDeposits

$2.8MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.06%, up 131 bps year over year; NIM at -3.56%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.54%.
Funding: loans stand at 69.85% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

1.06%+131 bps YoY

Net Interest Margin (quarter, annualized)

-3.56%

Efficiency Ratio (quarter, annualized)

95.77%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	0.45%	0.29%	-0.58%	-0.25%	-0.38%	-0.51%	-1.00%	1.06%	+131 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	14.59%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	5.20%	-3.56%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	112.14%	95.77%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	6.05%	-4.48%	n/a
Growth
Asset Growth (YoY)	-1.53%	-5.90%	-3.34%	-7.57%	-5.71%	-4.00%	-3.52%	1.06%	+863 bps
Loan Growth (YoY)	-0.58%	-13.52%	-16.56%	-9.38%	-9.09%	-0.65%	-0.50%	-11.62%	-224 bps
Deposit Growth (YoY)	-4.68%	-10.68%	-3.49%	-5.32%	-2.87%	0.42%	-3.40%	0.10%	+542 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	n/a	n/a	1.50%	-1.54%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	1.09%	1.05%	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	n/a	n/a	8.98%	8.36%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	6.58%	7.94%	n/a
Liquidity & Funding
Loans / Deposits	84.18%	79.66%	72.56%	79.12%	78.78%	78.81%	74.74%	69.85%	-927 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	+1 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a