SOURCE: Pulaski Financial

October 23, 2007 15:50 ET

Pulaski Financial Reports Improved Asset Quality; Fourth Quarter Net Income Totals $2.3 Million

ST. LOUIS, MO--(Marketwire - October 23, 2007) -


--   Asset Quality Improves During Quarter:
     -  Non-Performing Assets Decline 2%
     -  Charge-Offs Decline to an Annualized Rate of 0.11%
--   Net Interest Income Grows 19% for Quarter and 17% for Year
--   Retail Banking Revenues Increase 18% for Quarter and 13% for Year
--   Demand for Portfolio Loans Remains Strong with 21% Annual Growth
     in Loans Receivable
--   Core Deposits Expand 5% During Quarter and 23% for Year

Pulaski Financial Corp. (NASDAQ: PULB) today announced earnings for the quarter ended September 30, 2007 of $2.3 million, or $0.23 per diluted share, compared with earnings of $2.6 million, or $0.26 per diluted share, for the same quarter last year. For the year, earnings were $9.0 million, or $0.88 per diluted share, compared with $9.8 million, or $1.01 per diluted share, in fiscal 2006.

The Company noted that results for fiscal 2006 included a $2.5 million gain on the sale of its Kansas City branch location, partially offset by a $250,000 charitable contribution to a St. Louis community-based organization. These two items had a net favorable impact on diluted earnings per share of $0.15 for the year ended September 30, 2006. The Company also noted that earnings for fiscal 2007 were negatively impacted by a $3.9 million provision for loan losses, which was a $2.4 million increase compared to the previous year.

Chairman and CEO William A. Donius commented, "We were pleased to see improvements in asset quality during the quarter, and we are encouraged by the continued low level of charge-offs, which totaled $1.3 million, or 0.13% of average loans, for the year. The decline in the national housing market remains a concern, but we believe that any future credit problems that we might encounter in our residential loan portfolio will be far less severe than those the national market has experienced."

Net Interest Income Increases on Strong Loan and Core Deposit Growth

Net interest income rose 19% to $7.9 million for the fourth fiscal quarter of 2007 compared with $6.7 million for the same 2006 period, and was up 9% compared with the third fiscal quarter of 2007. Net interest income rose 17% to $29.0 million in fiscal 2007 compared with $24.8 million for the previous fiscal year. The growth in net interest income was fueled by strong growth in loans and deposits.

The Company's loan portfolio grew 21%, or $164.6 million, during the year to $949.8 million at September 30, 2007. For the quarter, loans receivable increased 3%, or $30.4 million. Commercial real estate and commercial and industrial loans accounted for approximately 54% and 60% of this growth for the three- and twelve-month periods, respectively. At September 30, 2007, the Company had a pipeline of approved but unclosed commercial loans totaling $54.8 million and another $383 million in pending loan applications. Donius commented, "We've historically demonstrated the ability to generate quality assets in all areas of the bank. This was evident in the current quarter in our commercial lending group, who continued to grow and perform at a very high level. We added key personnel to this group during each of the last two quarters."

Also contributing to the increase in net interest income was growth in total deposits, including core deposits, which are generally the Company's lowest-cost funding source. Core deposit growth has been one of Pulaski's primary strategic objectives. The Company is achieving this objective, in part, by increasing its physical footprint in key business centers of St. Louis, including new bank locations in Richmond Heights, downtown St. Louis and Clayton. This strategy has yielded immediate success as core deposits rose 23%, or $59.1 million, during the year to $317.7 million at September 30, 2007. Total deposits increased $179.9 million to $835.5 million at September 30, 2007.

The net interest margin increased during the September 2007 quarter to 3.03% from 2.87% for the quarter ended June 30, 2007, but decreased from 3.07% for the quarter ended September 30, 2006. The increase from June 30, 2007 was the result of strong growth in the Company's loan portfolio and in deposits, which are generally available at interest rates lower than the Company's other funding sources. The decline from the September 30, 2006 quarter was due primarily to strong competition for loan originations, which created pressure on loan yields.

Asset Quality Improves

Asset quality improved during the quarter as the balance of non-performing assets declined from $15.3 million, or 1.35% of total assets, at June 30, 2007 to $15.0 million, or 1.32% of total assets, at September 30, 2007. The Company's largest non-performing asset at September 30, 2007 was a $2.6 million loan secured by commercial real estate that was classified as non-accrual. Management is optimistic it will work out of this non-performing asset in the near future and believes the loan was adequately collateralized at September 30, 2007.

Net charge-offs for the quarter ended September 30, 2007 were $267,000, or 0.11% of average loans on an annualized basis, compared with $422,000, or 0.17% of average loans on an annualized basis, for the June 2007 quarter and $168,000, or 0.08% of average loans on an annualized basis, for the quarter ended September 30, 2006. For the year, net charge-offs were $1.3 million, or 0.13% of average loans, in 2007 compared with $772,000, or 0.09% of average loans, in 2006. Net charge-offs for the current year primarily included $874,000 in charge-offs on single-family residential mortgage loans and $239,000 in charge-offs on commercial real estate and construction loans.

The provision for loan losses increased $339,000 to $689,000 for the quarter ended September 30, 2007 compared with $350,000 for the same quarter the year before, but dropped $1.2 million from $1.9 million for the quarter ended June 30, 2007. The provision for loan losses in the current-year quarter related primarily to growth in the Company's performing loan portfolio, including substantial growth in commercial loans, which carry a higher level of inherent risk than residential loans, and also to charge-offs. For the year, the provision for loan losses totaled $3.9 million in 2007 compared with $1.5 million in 2006. The ratios of the allowance for loan losses to total loans and to non-performing loans were 1.02% and 88.09%, respectively, at September 30, 2007 compared with 0.92% and 110.91%, respectively, at September 30, 2006.

Mortgage Revenues Decline While Other Revenues Show Strong Growth

Total non-interest income decreased $239,000, or 8%, to $2.9 million for the quarter ended September 30, 2007 compared with $3.2 million for the same 2006 quarter. For the year, non-interest income decreased $738,000, or 5%, to $12.8 million in 2007 compared with $13.5 million for the prior fiscal year. The Company completed the sale of its only depository branch in Kansas City, Missouri during February 2006 resulting in a $2.5 million gain. Excluding this gain, non-interest income rose $1.7 million, or 16%, for 2007.

The decline in total non-interest income for the quarter was primarily due to a $553,000 drop in mortgage revenues to $774,000 for the quarter ended September 30, 2007 compared with mortgage revenues of $1.3 million in the prior-year quarter. Consistent with national trends, significant volatility in the real estate loan market resulted in a 23% decline in the volume of mortgage loans originated for sale by the Company during the quarter. This volatility also created losses on ineffective hedges of the Company's pending mortgage loan application pipeline. "The Company has temporarily suspended its mortgage hedging practices until rates in the mortgage loan market become more stable," Donius commented. For the year, mortgage revenues declined slightly to $4.8 million in 2007 compared with $4.9 million in 2006.

Retail banking fees increased 18% to $959,000 for the quarter ended September 30, 2007 compared with the same quarter in 2006 and increased 13% to $3.4 million for the year ended September 30, 2007 compared with the same 2006 period. The increases were driven by strong deposit growth.

Revenues from the Company's appraisal services totaled $338,000 for the quarter and exceeded $1 million for the year. With operations beginning in July 2006, the Company's appraisal division has rapidly become a strong contributor to earnings, operating at an efficiency ratio of approximately 65%.

Non-Interest Expense

Non-interest expense rose to $6.7 million in the fourth quarter, an increase of $1.2 million, or 23%, over the same quarter last year primarily as the result of an increase in compensation and employee benefits expense and occupancy, equipment and data processing expense. Compensation and employee benefits expense, which represented approximately 49% of total non-interest expense for the quarter, increased to $3.2 million compared with $2.6 million in the same period a year ago. This was due mostly to the addition of employees hired to staff, the new banking locations and staff expansion necessary to support loan activity. Occupancy, equipment and data processing expense increased to $1.6 million compared with $1.3 million in the same period a year ago primarily as the result of the Company's new locations.

Outlook

"We expect to see continued growth in loans receivable and core deposits which will generate additional net interest income and strengthen 2008 earnings. Our asset quality improved during the quarter and we are optimistic that the changes we made in our underwriting policies and practices will have lasting benefits resulting in steady improvement in our asset quality. Our new bank locations are expected to quickly attract valuable core deposits, but will have their largest negative impact on earnings in the first quarter of fiscal 2008. We are confident this investment in our future will produce strong returns as early as fiscal 2009 and will add significant value to our franchise," Donius stated.

"Given these trends, we expect to see stronger results next year resulting in high single-digit to low double-digit percentage growth in our 2008 diluted earnings per share compared with fiscal 2007. However, the entire banking industry is operating in a challenging environment caused by uncertainties in the national housing and mortgage sectors, volatile interest rates and ongoing national credit concerns. Volatility in the secondary mortgage market had a significant negative impact on our fourth quarter 2007 earnings. We cannot fully predict the impact these external market factors will have on our 2008 results," Donius continued.

Conference Call Tomorrow

Pulaski Financial management will discuss fourth quarter results and other developments tomorrow, October 24, 2007, during a conference call beginning at 11 a.m. EDT (10 a.m. CDT). The call also will be simultaneously webcast and archived for three months at: http://www.viavid.net/dce.aspx?sid=000046AA. Participants in the conference call may dial 877-407-9039 a few minutes before start time. The call also will be available for replay through November 7, 2007 at 877-660-6853, account number 3055 and conference I.D. 258811.

About Pulaski Financial

Pulaski Financial Corp., operating in its 85th year through its subsidiary, Pulaski Bank, serves customers throughout the St. Louis metropolitan area. The bank offers a full line of quality retail-banking products through twelve full-service branch offices in St. Louis and three loan production offices in Kansas City and the Illinois portion of the St. Louis metroplex. The Company's website can be accessed at www.pulaskibankstl.com.

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This news release may contain forward-looking statements about Pulaski Financial Corp., which the Company intends to be covered under the safe harbor provisions contained in the Private Securities Litigation Reform Act of 1995. Statements that are not historical or current facts, including statements about beliefs and expectations, are forward-looking statements. These forward-looking statements cover, among other things, anticipated future revenue and expenses and the future plans and prospects of the Company. These statements often include the words "may," "could," "would," "should," "believes," "expects," "anticipates," "estimates," "intends," "plans," "targets," "potentially," "probably," "projects," "outlook" or similar expressions. You are cautioned that forward-looking statements involve uncertainties, and important factors could cause actual results to differ materially from those anticipated, including changes in general business and economic conditions, changes in interest rates, legal and regulatory developments, increased competition from both banks and non-banks, changes in customer behavior and preferences, and effects of critical accounting policies and judgments. For discussion of these and other risks that may cause actual results to differ from expectations, refer to our Annual Report on Form 10-K for the year ended September 30, 2006, and our Quarterly Report on Form 10-Q for the quarters ending December 31, 2006, March 31, 2007 and June 30, 2007 on file with the SEC, including the sections entitled "Risk Factors." These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Forward-looking statements speak only as of the date they are made, and the Company undertakes no obligation to update them in light of new information or future events.

                          PULASKI FINANCIAL CORP.
                UNAUDITED CONSOLIDATED FINANCIAL HIGHLIGHTS

SELECTED BALANCE SHEET
  DATA                   September      June       September
(Dollars in thousands       30,          30,          30,
 except per share data)    2007         2007         2006
                        ===========  ===========  ===========
Total assets            $ 1,131,457  $ 1,135,660  $   962,467
Loans receivable, net       949,826      919,397      785,199
Allowance for loan
 losses                      10,421        9,999        7,817
Loans held for sale,
 net                         58,536       85,367       60,452
Investment securities
 (includes equity
 securities)                 16,988       14,899       17,449
FHLB stock                    8,306        8,892        9,524
Mortgage-backed &
 related securities           3,027        3,167        3,631
Cash and cash
 equivalents                 23,675       36,072       22,123
Deposits                    835,489      825,569      655,577
FHLB advances               158,400      168,000      172,800
Subordinated debentures      19,589       19,589       19,589
Stockholders' equity         80,804       80,199       75,827
Book value per share    $      8.13  $      8.04  $      7.62

Asset Quality Ratios
Nonperforming loans as
 a percent of total
 loans                         1.16%        1.22%        0.83%
Nonperforming assets as
 a percent of total
 assets                        1.32%        1.35%        1.02%
Allowance for loan
 losses as a percent of
 total loans                   1.02%        0.99%        0.92%
Allowance for loan
 losses as a percent of
 nonperforming loans          88.09%       80.82%      110.91%


                              Three Months             Twelve Months
SELECTED OPERATING DATA    Ended September 30,       Ended September 30,
                        ========================  ========================
(Dollars in thousands)     2007         2006         2007          2006
                        ===========  ===========  ===========  ===========
Interest income         $    19,295  $    15,653  $    70,811  $    53,843
Interest expense             11,383        8,982       41,834       29,027
                        -----------  -----------  -----------  -----------
    Net interest income       7,912        6,671       28,977       24,816
Provision for loan
 losses                         689          350        3,855        1,501
                        -----------  -----------  -----------  -----------
    Net interest income
     after provision
     for loan losses          7,223        6,321       25,122       23,315
                        -----------  -----------  -----------  -----------
Retail banking fees             959          816        3,415        3,033
Mortgage revenues               774        1,326        4,845        4,862
Revenue from title
 company operations             174          183          844          742
Revenue from investment
 division operations            128          179          663          598
Revenue from appraisal
 division operations            338          186        1,021          186
Gain on sale of
 securities                     129           67          273          123
Gain on sale of branch            -            -            -        2,474
Other                           438          423        1,750        1,531
                        -----------  -----------  -----------  -----------
    Total non-interest
     income                   2,940        3,180       12,811       13,549
                        -----------  -----------  -----------  -----------
Compensation expense          3,248        2,564       12,375       10,445
Occupancy, equipment
 and data processing          1,625        1,321        5,760        5,083
Advertising                     411          381        1,424        1,124
Professional services           374          294        1,353        1,237
Real estate foreclosure
 expense and losses,
 net                            134          136          482          228
(Gain) loss on
 derivative financial
 instruments                   (142)        (140)        (586)         194
Charitable donations             19           48          123          373
Other                           993          811        3,518        2,917
                        -----------  -----------  -----------  -----------
    Total non-interest
     expense                  6,662        5,415       24,449       21,601
                        -----------  -----------  -----------  -----------
Income before income
 taxes                        3,501        4,086       13,484       15,263
Income taxes                  1,193        1,468        4,501        5,425
                        -----------  -----------  -----------  -----------
    Net income          $     2,308  $     2,618  $     8,983  $     9,838
                        ===========  ===========  ===========  ===========

Performance Ratios
Return on average
 assets                        0.82%        1.11%        0.85%        1.14%
Return on average
 equity                       11.16%       13.73%       11.07%       14.98%
Interest rate spread           2.67%        2.76%        2.63%        2.87%
Net interest margin            3.03%        3.07%        2.97%        3.12%

SHARE DATA
Weighted average shares
 outstanding-basic        9,778,411    9,787,193    9,814,396    9,205,525
Weighted average shares
 outstanding-diluted     10,222,156   10,256,175   10,255,702    9,717,733
EPS-basic               $      0.24  $      0.27  $      0.92  $      1.07
EPS-diluted             $      0.23  $      0.26  $      0.88  $      1.01
Dividends               $     0.090  $     0.085  $      0.35  $      0.33



                          PULASKI FINANCIAL CORP.
          UNAUDITED CONSOLIDATED FINANCIAL HIGHLIGHTS, Continued


                         September          June           September
LOANS RECEIVABLE            30,             30,               30,
(Dollars in thousands)     2007             2007             2006
                         =========        =========        =========

Real estate mortgage:
  One to four family
   residential           $ 332,206        $ 330,703        $ 314,746
  Multi-family
   residential              30,219           24,660           13,629
  Commercial real estate   200,206          192,192          150,529
                         ---------        ---------        ---------
     Total real estate
      mortgage             562,631          547,555          478,904
                         ---------        ---------        ---------
Real estate construction
 and development:
  One to four family
   residential              45,428           41,776           31,985
  Multi-family
   residential              13,899           13,978            6,042
  Commercial real estate    39,594           31,981           19,168
                         ---------        ---------        ---------
     Total real estate
      construction and
      development           98,921           87,735           57,195
                         ---------        ---------        ---------

Commercial & Industrial
 loans                      77,642           76,927           48,785
Equity line of credit      219,539          215,119          207,153
Consumer and installment     6,918            6,845            6,276
                         ---------        ---------        ---------
                           965,651          934,181          798,313
                         ---------        ---------        ---------
Add (less):
  Deferred loan (costs)
   fees                      5,163            5,197            4,879
  Loans in process         (10,567)          (9,982)         (10,176)
  Allowance for loan
   losses                  (10,421)          (9,999)          (7,817)
                         ---------        ---------        ---------
                           (15,825)         (14,784)         (13,114)
                         ---------        ---------        ---------
     Total               $ 949,826        $ 919,397        $ 785,199
                         =========        =========        =========

Weighted average rate at
 end of period                7.44%            7.62%            7.50%
                         =========        =========        =========


                           September 30,        June 30,      September 30,
                              2007               2007            2006
                        ------------------ ---------------- ---------------
                                  Weighted         Weighted        Weighted
DEPOSITS                          Average          Average         Average
(Dollars in thousands)            Interest         Interest        Interest
                          Balance   Rate    Balance   Rate  Balance   Rate
                         =========  ====   =========  ====  ========= ====
Demand Deposit Accounts:
  Noninterest-bearing
   checking              $  57,005  0.00% $  54,262  0.00% $  38,830  0.00%
  Interest-bearing
   checking                 57,815  1.79%    62,424  1.75%    53,448  1.66%
  Money market             173,950  4.05%   155,992  4.28%   134,383  4.12%
  Passbook savings
   accounts                 28,909  0.29%    30,030  0.27%    31,895  0.39%
                         ---------        ---------        ---------
     Total demand
      deposit
      accounts             317,679  2.57%   302,708  2.59%   258,556  2.53%
                         ---------        ---------        ---------
Certificates of
 Deposit: (1)
  $100,000 or less         239,401  5.45%   236,274  5.39%   207,900  5.02%
   Greater than
   $100,000                278,409  4.73%   286,587  4.74%   189,121  4.43%
                         ---------        ---------        ---------
     Total
      certificates of
      deposit              517,810  5.06%   522,861  5.03%   397,021  4.74%
                         ---------        ---------        ---------
      Total deposits     $ 835,489  4.11% $ 825,569  4.14% $ 655,577  3.87%
                         =========        =========        =========

(1) Includes brokered
 deposits                $ 190,445        $ 208,236        $ 118,500
                         =========        =========        =========




                          PULASKI FINANCIAL CORP.
            NONPERFORMING ASSETS AND ALLOWANCE FOR LOAN LOSSES
                                (Unaudited)


                                         September     June    September
NONPERFORMING ASSETS                        30,         30,       30,
(Dollars in thousands)                     2007        2007      2006
                                         ========== ========== ==========
Non-accrual loans:
 Residential real estate                 $    2,082 $    2,058 $      794
 Commercial                                   3,708      3,238          -
 Real estate-construction and
  development                                     -        144          -
 Home equity                                    554        652        119
 Other                                          105        138         27
                                         ---------- ---------- ----------
     Total non-accrual loans                  6,449      6,230        940
                                         ---------- ---------- ----------
Accruing loans past due 90 days or more:
 Residential real estate                      2,564      2,317      3,984
 Commercial                                      44        383        125
 Real estate-construction and
  development                                     -          -          -
 Home equity                                  1,063      1,666      1,456
 Other                                          150         25         21
                                         ---------- ---------- ----------
     Total accruing loans past due 90
      days or more                            3,821      4,391      5,586
                                         ---------- ---------- ----------
Restructured loans                              210        210        220
Other nonperforming loans                     1,351      1,542        302
                                         ---------- ---------- ----------
     Total non-performing loans              11,831     12,373      7,048
Real estate acquired in settlement of
 loans                                        3,090      2,892      2,764
Other nonperforming assets                       43         43         44
                                         ---------- ---------- ----------
     Total non-performing assets         $   14,964 $   15,308 $    9,856
                                         ========== ========== ==========



                                    Three Months Ended    Twelve Months
ALLOWANCE FOR LOAN LOSSES             September 30,     Ended September 30,
                                    ==================  ==================
(Dollars in thousands)                2007      2006      2007      2006
                                    ========  ========  ========  ========
Allowance for loan losses,
 beginning of period                $  9,999  $  7,635  $  7,817  $  6,806
Provision charged to expense             689       350     3,855     1,501
Allowance for loans acquired in
   business combination                    -         -         -       282
Loans charged-off                       (283)     (171)   (1,293)     (782)
Recoveries of loans previously
 charged-off                              16         3        42        10
                                    --------  --------  --------  --------
Allowance for loan losses, end of
 period                             $ 10,421  $  7,817  $ 10,421  $  7,817
                                    ========  ========  ========  ========




                          PULASKI FINANCIAL CORP.
                          AVERAGE BALANCE SHEETS
                                (Unaudited)


                                        Three Months Ended
                      ==========================--========================
                         September 30, 2007         September 30, 2006
                      ==========================  ========================
                                  Interest Average         Interest Average
(Dollars in thousands)  Average     and    Yield/   Average   and    Yield/
                        Balance  Dividends  Cost  Balance   Dividends Cost
                      --------------------------  ------------------------
Interest-earning
 assets:
Loans receivable      $   947,757 $ 17,837  7.53% $ 781,026 $ 14,340  7.34%
 Loans available for
  sale                     68,399    1,092  6.39%    58,345      969  6.64%
 Other
  interest-earning
  assets                   29,804      366  4.91%    28,897      344  4.76%
                      ----------- --------        --------- --------
     Total
      interest-earning
       assets           1,045,960   19,295  7.38%   868,268   15,653  7.21%
                                  --------                  --------
Noninterest-earning
 assets                    77,326                    73,050
                      -----------                 ---------
     Total assets     $ 1,123,286                 $ 941,318
                      ===========                 =========

Interest-bearing
 liabilities:
 Deposits             $   773,185 $  8,725  4.51% $ 602,249 $  6,172  4.10%
 Borrowed money           192,975    2,658  5.51%   205,438    2,809  5.47%
                      ----------- --------        --------- --------
     Total
      interest-bearing
      liabilities         966,160   11,383  4.71%   807,687    8,981  4.45%
                                  --------                  --------
Noninterest-bearing
 deposits                  52,079                    36,998
Noninterest-bearing
 liabilities               22,288                    20,371
Stockholders' equity       82,759                    76,262
                      -----------                 ---------
     Total
      liabilities and
      stockholders'
      equity          $ 1,123,286                 $ 941,318
                      ===========                 =========
Net interest income               $  7,912                  $  6,672
                                  ========                  ========
Interest rate spread                        2.67%                     2.76%
Net interest margin                         3.03%                     3.07%


                                        Twelve Months Ended
                      ====================================================
                         September 30, 2007         September 30, 2006
                      ==========================  ========================
                                  Interest Average         Interest Average
(Dollars in thousands)  Average     and    Yield/   Average   and    Yield/
                        Balance  Dividends  Cost  Balance   Dividends Cost
                      --------------------------  ------------------------
Interest-earning
 assets:
 Loans receivable     $   878,057 $ 65,220  7.43% $ 716,045 $ 49,592  6.93%
 Loans available for
  sale                     64,415    3,992  6.20%    48,518    3,000  6.18%
 Other
  interest-earning
  assets                   32,322    1,599  4.95%    30,962    1,251  4.04%
                      ----------- --------        --------- --------
     Total
      interest-earning
      assets              974,794   70,811  7.26%   795,525   53,843  6.77%
                                  --------                  --------
Noninterest-earning
 assets                    78,454                    66,512
                      -----------                 ---------
     Total assets     $ 1,053,248                 $ 862,037
                      ===========                 =========

Interest-bearing
 liabilities:
 Deposits             $   713,051 $ 31,337  4.39% $ 552,626 $ 19,625  3.55%
 Borrowed money           191,257   10,497  5.49%   191,166    9,402  4.92%
                      ----------- --------        --------- --------
     Total
      interest-bearing
       liabilities        904,308   41,834  4.63%   743,792   29,027  3.90%
                                  --------                  --------
Noninterest-bearing
 deposits                  47,605                    31,365
Noninterest-bearing
 liabilities               20,197                    21,204
Stockholders' equity       81,138                    65,676
                      -----------                 ---------
     Total
      liabilities and
      stockholders'
      equity          $ 1,053,248                 $ 862,037
                      ===========                 =========
Net interest income               $ 28,977                  $ 24,816
                                  ========                  ========
Interest rate spread                        2.63%                     2.87%
Net interest margin                         2.97%                     3.12%

Contact Information

  • For Additional Information Contact:
    William A. Donius
    Chairman & CEO
    Pulaski Financial Corp.
    (314) 878-2210 Ext. 3610

    Tad Gage
    Woody Wallace
    The Investor Relations Company
    (312) 245-2700