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FDIC Certificate # 20353 FRB District/ID_RSSD 6 / 459130 GULF COAST BANK ; ABBEVILLE , LA Summary Ratios

OCC Charter # 0 County: VERMILION Summary Ratios--Page 1 10/15/2010 12:16:04 AM


Public Report
  6/30/2010 6/30/2009 12/31/2009 12/31/2008 12/31/2007
Earnings and Profitability BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT
Percent of Average Assets:                              
   Interest Income (TE) 5.56 5.06 84 5.66 5.44 68 5.74 5.38 77 6.31 6.09 68 6.77 6.74 53
   - Interest Expense 0.71 1.28 6 0.84 1.73 2 0.82 1.62 4 1.24 2.27 2 1.63 2.87 2
      Net Interest Income (TE) 4.85 3.77 96 4.82 3.71 96 4.93 3.76 97 5.06 3.82 98 5.15 3.88 97
   + Noninterest Income 2.16 0.68 98 2.33 0.73 99 2.35 0.72 99 2.53 0.76 99 2.17 0.79 98
   - Noninterest Expense 4.51 2.98 97 4.48 3.06 96 4.90 3.08 98 5.06 3.02 98 4.68 2.99 97
   - Provision: Loan & Lease
0.52 0.38 70 0.19 0.35 38 0.20 0.54 26 0.25 0.30 54 0.16 0.15 60
Losses
      Pretax Operating Income
1.98 1.10 89 2.48 1.02 97 2.17 0.88 95 2.28 1.27 94 2.48 1.53 93
(TE)
   + Realized Gains/Losses
0.00 0.03 55 0.00 0.03 57 0.00 0.03 47 0.00 0.00 53 0.00 0.00 73
Sec
      Pretax Net Operating
1.98 1.14 87 2.48 1.05 97 2.17 0.91 94 2.28 1.22 94 2.48 1.52 93
Income (TE)
         Net Operating Income 1.31 0.87 76 1.64 0.79 90 1.44 0.69 86 1.52 0.93 82 1.65 1.14 84
   Adjusted Net Operating
1.62 0.96 84 1.66 0.89 86 1.53 0.83 85 1.59 1.03 83 1.74 1.16 86
Income
   Net Inc Attrib to Min Ints 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 N/A 0.00 N/A N/A 0.00 N/A
   Net Income Adjusted Sub S 1.31 0.75 88 1.64 0.68 97 1.44 0.59 95 1.52 0.80 95 1.65 1.00 94
      Net Income 1.31 0.87 76 1.64 0.79 90 1.44 0.69 86 1.52 0.93 82 1.65 1.14 84
           
Margin Analysis:                              
Avg Earning Assets to Avg
90.68 92.39 27 91.40 92.76 29 91.75 92.71 34 91.89 93.17 28 91.84 93.44 24
Assets
Avg Int-Bearing Funds to Avg
55.87 77.23 0 53.18 77.14 0 54.00 77.16 0 53.49 76.93 0 53.88 76.91 0
Assets
Int Inc (TE) to Avg Earn
6.13 5.48 87 6.19 5.88 74 6.26 5.81 80 6.86 6.54 75 7.37 7.22 61
Assets
Int Expense to Avg Earn
0.79 1.39 6 0.92 1.87 2 0.89 1.75 3 1.35 2.43 2 1.77 3.07 2
Assets
Net Int Inc-TE to Avg Earn
5.35 4.09 97 5.27 4.01 96 5.37 4.06 97 5.51 4.10 98 5.60 4.16 97
Assets
           
Loan & Lease Analysis:                              
Net Loss to Average Total
0.26 0.46 50 0.21 0.39 46 0.15 0.59 22 0.23 0.32 51 0.11 0.19 46
LN&LS
Earnings Coverage of Net
11.99 15.25 65 16.85 14.91 70 19.61 8.77 83 14.31 16.33 63 36.21 27.36 73
Losses (X)
LN&SL Allowance to LN&LS
1.26 1.52 35 1.03 1.34 24 1.09 1.45 24 1.09 1.27 34 1.09 1.21 39
Not HFS
LN&LS Allowance to Net
4.83 9.55 53 5.23 8.99 54 7.35 5.26 77 4.92 8.82 48 10.72 13.77 60
Losses (X)
LN&LS Allowance to Total
1.26 1.51 35 1.03 1.34 24 1.09 1.44 24 1.08 1.27 33 1.08 1.21 38
LN&LS
Total LN&LS-90+ Days Past
0.02 0.18 44 1.61 0.22 95 0.24 0.18 70 0.66 0.19 87 0.43 0.19 79
Due
   -Nonaccrual 0.81 1.71 35 0.31 1.37 19 0.80 1.63 35 0.47 1.15 33 0.16 0.66 26
   -Total 0.83 1.99 27 1.91 1.77 60 1.03 1.91 34 1.13 1.44 50 0.59 0.94 43
           
Liquidity                              
Net Non Core Fund
-1.90 18.05 6 -2.81 20.02 5 0.59 18.83 7 -5.25 21.56 3 3.89 18.40 12
Dependence
Net Loans & Leases to Assets 76.98 64.92 87 79.00 66.79 87 80.45 65.25 92 76.02 67.72 74 73.86 67.12 69
           
Capitalization                              
Tier One Leverage Capital 14.50 9.39 95 14.42 9.30 95 14.61 9.26 96 14.45 9.28 95 15.54 9.47 96
Cash Dividends to Net Income 0.00 30.69 37 19.47 39.71 38 35.61 43.68 42 118.22 55.01 90 31.57 53.77 25
Retained Earnings to Avg
9.01 4.66 81 9.23 3.27 84 6.44 2.24 79 -1.82 3.04 16 7.89 4.46 79
Total Equity
Rest+Nonac+RE Acq to
5.72 18.61 25 2.83 14.47 16 5.18 17.29 24 2.75 11.11 22 0.92 6.34 16
Eqcap+ALLL
           
Growth Rates                              
Total Assets 7.17 4.17 69 7.97 5.52 69 3.07 5.34 40 6.27 6.87 52 -2.81 6.30 9
Tier One Capital 6.61 5.16 64 5.21 5.16 52 6.80 5.05 65 -1.78 5.08 12 8.15 5.75 69
Net Loans & Leases 4.43 1.26 67 11.83 4.58 81 9.07 1.94 80 9.38 7.84 61 13.69 7.60 76
Short Term Investments 25.69 66.59 49 26.84 64.76 52 -41.60 99.30 14 113.08 -0.42 87 -65.30 14.83 10
Short Term Non Core Funding -30.79 0.15 12 4.40 8.72 47 -0.29 3.49 46 -23.82 12.75 8 108.79 17.18 97
           
Average Total Assets 263,754    251,032    252,751    233,996    239,520   
Total Equity Capital 39,108    36,734    37,404    35,029    35,540   
Net Income 1,725    2,054    3,651    3,551    3,960   
           
Number of banks in Peer
848    837    846    831    837   
Group

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