PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoples Bank of Louisiana

Amite, LA · Cert 25720

FDIC

Q3 2008

$103.1MAssets
$79.3MLoans
$90.7MDeposits
$8.8MEquity
Deposit mix
78%Interest-bearing $71.0M22%Noninterest $19.7MQ3 2007Q3 2008

NIM

7.17%Q3 ’067.40%Q3 ’077.17%Q3 ’08-7%+1%

Non-interest income vs. expense

3.23%Q3 ’063.60%Q3 ’073.93%Q3 ’08+15%+11%

Executive Summary

  • Earnings: ROA of 1.46%, down 25 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 87.44% of deposits as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

1.46%-25 bps YoY

Net Interest Margin (YTD, annualized)

4.67%+3 bps YoY

Efficiency Ratio (YTD, annualized)

71.22%+542 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.71%1.98%1.69%1.52%1.46%-25 bps
Return on Equity23.14%26.27%20.17%18.13%17.23%-591 bps
Net Interest Margin4.64%4.59%4.54%4.57%4.67%+3 bps
Efficiency Ratio65.80%65.69%66.00%69.44%71.22%+542 bps
Non-Interest Burden2.77%2.72%2.71%2.92%3.08%+31 bps
Growth
Asset Growth (YoY)5.60%5.07%-0.83%-5.58%-4.96%-1,056 bps
Loan Growth (YoY)1.59%5.47%7.02%3.80%3.54%+195 bps
Deposit Growth (YoY)3.22%4.14%-2.23%-7.90%-7.35%-1,057 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.05%-0.06%0.00%0.04%+1 bps
Allowance / Loans1.63%1.27%1.29%1.30%1.30%-33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.29%12.61%12.60%12.57%12.85%+56 bps
Equity / Assets7.51%8.16%8.61%8.47%8.57%+106 bps
Liquidity & Funding
Loans / Deposits78.24%80.23%83.38%87.86%87.44%+920 bps
Liquid Assets / Assets0.01%0.05%0.05%0.06%0.08%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a