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Your Bank

Ponchatoula, LA · Cert 57812

FDIC

Q3 2007

$56.0MAssets
$40.1MLoans
$51.6MDeposits
$3.9MEquity
Loan mix
85%RE $27.6M14%C&I $4.7M0%Consumer $0.0MQ3 2006Q3 2007
Deposit mix
92%Interest-bearing $47.7M8%Noninterest $3.9MQ3 2006Q3 2007

NIM

4.28%Q3 ’056.08%Q3 ’066.70%Q3 ’07+23%-13%

Non-interest income vs. expense

5.49%Q3 ’053.33%Q3 ’063.32%Q3 ’07-43%0%

Executive Summary

  • Earnings: ROA of 0.18%, up 190 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 77.70% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.18%+190 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-50 bps YoY

Efficiency Ratio (YTD, annualized)

89.21%+1,044 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-1.72%-1.30%0.01%0.12%0.18%+190 bps
Return on Equity-16.79%-13.22%0.11%1.47%2.37%+1,916 bps
Net Interest Margin3.71%3.62%3.74%3.45%3.21%-50 bps
Efficiency Ratio78.77%83.10%93.85%90.85%89.21%+1,044 bps
Non-Interest Burden2.81%2.92%3.47%3.08%2.81%0 bps
Growth
Asset Growth (YoY)58.74%53.61%25.39%16.51%14.05%-4,469 bps
Loan Growth (YoY)116.06%70.32%47.64%20.68%-2.46%-11,852 bps
Deposit Growth (YoY)110.21%63.08%29.34%19.43%15.09%-9,512 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%2.51%0.04%0.14%0.10%+7 bps
Allowance / Loans3.22%0.98%1.02%0.97%1.04%-218 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 Capital9.89%9.64%9.09%8.74%9.12%-78 bps
Equity / Assets7.85%8.26%7.84%7.48%6.91%-94 bps
Liquidity & Funding
Loans / Deposits91.68%94.03%91.24%89.19%77.70%-1,397 bps
Liquid Assets / Assets0.01%0.02%0.01%0.01%0.01%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a