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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

6.40%Q3 ’057.26%Q3 ’067.19%Q3 ’07-10%-18%

Non-interest income vs. expense

6.02%Q3 ’053.76%Q3 ’063.17%Q3 ’07-37%-16%

Executive Summary

  • Earnings: ROA of 0.30%, up 561 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 77.70% of deposits as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

0.30%+561 bps YoY

Net Interest Margin (quarter, annualized)

3.23%-70 bps YoY

Efficiency Ratio (quarter, annualized)

85.89%+148 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-5.31%-0.14%0.01%0.22%0.30%+561 bps
Return on Equity-60.33%-1.78%0.11%2.83%4.16%+6,449 bps
Net Interest Margin3.92%3.81%3.74%3.41%3.23%-70 bps
Efficiency Ratio84.41%94.90%93.85%87.82%85.89%+148 bps
Non-Interest Burden3.23%3.58%3.47%2.92%2.71%-53 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 / Loans0.07%9.94%0.04%0.25%0.00%-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