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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

7.49%Q3 ’067.58%Q3 ’076.89%Q3 ’08-7%-2%

Non-interest income vs. expense

3.59%Q3 ’063.89%Q3 ’074.11%Q3 ’08+9%+9%

Executive Summary

  • Earnings: ROA of 1.33%, down 22 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 87.44% of deposits as of Q3 2008.

Financial Results

Return on Assets (quarter, annualized)

1.33%-22 bps YoY

Net Interest Margin (quarter, annualized)

4.63%-7 bps YoY

Efficiency Ratio (quarter, annualized)

74.80%+573 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.55%2.77%1.69%1.35%1.33%-22 bps
Return on Equity21.13%35.41%20.17%15.78%15.63%-550 bps
Net Interest Margin4.71%4.44%4.54%4.55%4.63%-7 bps
Efficiency Ratio69.07%65.36%66.00%72.92%74.80%+573 bps
Non-Interest Burden2.97%2.59%2.71%3.10%3.25%+28 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 / Loans-0.05%0.09%-0.06%0.06%0.13%+18 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