Teche Holding Company (TSH)

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Diluted EPS for the quarter remained relatively unchanged at $0.83.

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Net Charge Offs for the quarter amounted to 0.01% of average loans.

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Tangible equity remained solid at 8.59% at December 31, 2008.

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The Bank’s total risk-based capital was a strong 12.29% at December 31, 2008.

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The Bank declined participation in the TARP Capital Purchase Program of the U.S. Treasury Department.

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Quarterly operating revenue increased 7.5%, or $0.8 million, to $10.8 million from $10.0 million in fiscal 2008.

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SmartGrowth Deposits, in the past three months, increased 2.2%, or $7.4 millionto $337.8 million from $330.4 million at September 30, 2008. SmartGrowth Deposits in the past twelve months increased $48.6 million or 16.8%.

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SmartGrowth Loans, in the past three months increased 3.4%, or $14.6 million to $444.1 million, from $429.5 million at September 30, 2008. SmartGrowth Loans in the past twelve months increased $48.4 million or 12.2%.

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Quarterly Dividends increased to $0.35 per share compared to $0.335 per share for the quarter ended December 31, 2007, an increase of 4.5%.

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Quarterly Net Income increased 4.7%,or an increase of $85,000, as compared to the same period last year. EPS increased $0.06 per diluted share, or 7.7%

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Quarterly Net Interest Income increased 7.9%, an increase of $449,000 to $6.1 million, from $5.7 million last year.

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Quarterly Non-Interest Income increased 11.7%, an increase of $409,000 to $3.9 million, from $3.5 million last year.

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Total Deposits, in the past three months, increased 0.5%, or $3.0 million to $558.6 million from $555.6 million at September 30, 2007. Total deposits in the past year increased $12.6 million, or 2.3%

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SmartGrowth Deposits, in the past three months, increased 4.4%, or $12.3 million to $289.2 million from $276.9 million at September 30, 2007. SmartGrowth Deposits in the past twelve months increased $35.8 million or 14.1%.

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Net Loans, in the past three months, increased 3.2% or $17.7 million to $579.7 million from $562.0 million at September 30, 2007. Net Loans, in the past year, increased $49.9 million or 9.4%.

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SmartGrowth Loans, in the past three months increased 5.1%, or $19.4 million to $395.7 million, from $376.3 million at September 30, 2007. SmartGrowth Loans in the past twelve months increased $49.9 million or 14.4%.

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Commercial Loans, in the past three months, increased 7.6%, or $12.1 million to $171.4 million from $159.3 million at September 30, 2007.

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Quarterly Dividends increased to $0.335 per share compared to $0.30 per share for the quarter ended December 31, 2006, an increase of 11.7%. Dividends have increased for nineteen consecutive quarters.