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Alamo Bank of Texas

Alamo, TX · Cert 10361

FDIC

Q1 2006

$400.6MAssets
$221.1MLoans
$302.1MDeposits
$89.0MEquity
Deposit mix
76%Interest-bearing $228.6M24%Noninterest $73.5MQ1 2005Q1 2006

NIM

5.88%Q1 ’046.27%Q1 ’052.05%Q1 ’06+0%-70%

Non-interest income vs. expense

3.61%Q1 ’043.67%Q1 ’050.98%Q1 ’06-1%-71%

Executive Summary

  • Earnings: ROA of 0.37%, down 102 bps year over year; NIM at 1.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Funding: loans stand at 73.20% of deposits as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

0.37%-102 bps YoY

Net Interest Margin (YTD, annualized)

1.39%-324 bps YoY

Efficiency Ratio (YTD, annualized)

55.63%-815 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.39%1.33%1.34%1.23%0.37%-102 bps
Return on Equity16.09%15.30%15.33%13.91%2.23%-1,387 bps
Net Interest Margin4.63%4.63%4.67%4.64%1.39%-324 bps
Efficiency Ratio63.78%64.37%63.59%66.01%55.63%-815 bps
Non-Interest Burden2.55%2.62%2.60%2.73%0.74%-181 bps
Growth
Asset Growth (YoY)12.33%13.11%8.66%6.47%31.86%+1,953 bps
Loan Growth (YoY)16.94%15.70%12.98%7.86%3.84%-1,309 bps
Deposit Growth (YoY)14.78%16.45%9.48%5.73%11.23%-355 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.14%0.10%0.26%0.26%+24 bps
Allowance / Loans0.76%0.74%0.80%0.73%0.72%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.63%12.63%12.93%13.02%12.82%+19 bps
Equity / Assets8.58%8.77%9.08%9.15%22.21%+1,363 bps
Liquidity & Funding
Loans / Deposits78.40%79.55%82.11%81.54%73.20%-520 bps
Liquid Assets / Assets0.03%0.03%0.02%0.12%0.09%+6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a