South Louisiana Business Bank

Prairieville, LA · Cert 58704

FDIC

Q3 2011

$50.7MAssets

$31.7MLoans

$38.2MDeposits

$12.2MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -1.48%, down 112 bps year over year; NIM at 2.94%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 82.90% of deposits as of Q3 2011.

Return on Assets (quarter, annualized)

-1.48%-112 bps YoY

Net Interest Margin (quarter, annualized)

2.94%+54 bps YoY

Efficiency Ratio (quarter, annualized)

177.24%+3,459 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2010	Q4 2010	Q1 2011	Q2 2011	Q3 2011	YoY Δ	Trend
Earnings
Return on Assets	-0.36%	-1.00%	0.15%	-0.06%	-1.48%	-112 bps
Return on Equity	-1.33%	-3.71%	0.59%	-0.23%	-6.11%	-478 bps
Net Interest Margin	2.41%	2.69%	2.72%	2.94%	2.94%	+54 bps
Efficiency Ratio	142.65%	147.62%	118.43%	104.03%	177.24%	+3,459 bps
Non-Interest Burden	3.45%	3.99%	3.24%	3.06%	5.19%	+173 bps
Growth
Asset Growth (YoY)	9.37%	10.17%	9.60%	12.35%	11.87%	+251 bps
Loan Growth (YoY)	79.44%	63.46%	37.30%	37.74%	25.93%	-5,352 bps
Deposit Growth (YoY)	14.99%	15.90%	13.86%	17.29%	16.35%	+136 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	1.37%	1.30%	1.20%	1.19%	1.16%	-22 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	41.54%	37.94%	34.99%	34.66%	33.94%	-760 bps
Equity / Assets	27.23%	26.57%	24.51%	24.48%	24.05%	-318 bps
Liquidity & Funding
Loans / Deposits	76.59%	83.92%	80.99%	81.76%	82.90%	+631 bps
Liquid Assets / Assets	30.34%	24.07%	22.08%	17.03%	10.86%	-1,948 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a