Opelousas General Hospital

Opelousas, LA · Charter 62806

Q4 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Opelousas, LA · Charter 62806

Q4 1997

$611KAssets

$476KLoans

$502KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.35%-125 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.77%	5.56%	1.01%	3.61%	4.65%	1.64%	3.24%	2.35%	-125 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	14.11%	6.70%	17.46%	21.01%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-3.77%	-15.68%	6.10%	38.00%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	13.31%	9.39%	19.97%	23.30%	n/a
Asset Quality
Delinquent Loans / Loans	3.36%	1.65%	1.60%	2.67%	2.94%	0.64%	3.72%	1.39%	-128 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.77%	2.87%	3.31%	1.04%	1.17%	1.64%	1.73%	2.26%	+122 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	76.06%	85.69%	72.31%	84.75%	64.60%	66.05%	63.95%	94.85%	+1,010 bps
Liquid Assets / Assets	35.09%	11.53%	39.45%	27.44%	31.10%	32.19%	35.59%	6.82%	-2,062 bps