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Eagle Bank

Jarrell, TX · Cert 11142

FDIC

Q2 2011

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: Q2 2011, the quarter ended June 30, 2011, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eagle Bank

Jarrell, TX · Cert 11142

FDIC

Q2 2011

$23.4MAssets
$7.2MLoans
$21.4MDeposits
$2.0MEquity
Loan mix
58%RE $3.4M9%C&I $0.5M33%Consumer $2.0MQ2 2010Q2 2011
Deposit mix
72%Interest-bearing $15.3M28%Noninterest $6.1MQ2 2010Q2 2011

NIM

6.24%Q2 ’095.72%Q2 ’104.65%Q2 ’11-8%-17%

Non-interest income vs. expense

5.91%Q2 ’095.10%Q2 ’105.03%Q2 ’11-12%-1%

Executive Summary

  • Earnings: ROA of -0.20%, down 64 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.75%.
  • Funding: loans stand at 33.71% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.20%-64 bps YoY

Net Interest Margin (YTD, annualized)

4.14%-84 bps YoY

Efficiency Ratio (YTD, annualized)

104.55%+1,468 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.43%2.48%11.62%10.05%-0.20%-64 bps
Return on Equity5.52%29.78%19.83%0.69%-2.53%-805 bps
Net Interest Margin4.98%4.73%4.71%4.64%4.14%-84 bps
Efficiency Ratio89.87%91.91%95.60%98.63%104.55%+1,468 bps
Non-Interest Burden4.40%4.30%4.47%4.57%4.36%-4 bps
Growth
Asset Growth (YoY)17.79%12.50%1.98%5.53%0.24%-1,755 bps
Loan Growth (YoY)-2.07%-8.09%-10.23%-10.82%-15.46%-1,339 bps
Deposit Growth (YoY)17.19%11.26%0.15%5.46%-0.01%-1,720 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.29%0.79%0.30%0.75%+68 bps
Allowance / Loans1.72%1.72%1.47%1.51%1.35%-38 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 Capital16.21%20.51%17.75%19.32%18.83%+262 bps
Equity / Assets8.15%9.61%7.47%8.18%8.40%+25 bps
Liquidity & Funding
Loans / Deposits39.87%40.75%42.18%38.23%33.71%-616 bps
Liquid Assets / Assets12.66%16.91%0.23%6.46%20.33%+767 bps
CRE / Total Capitaln/an/an/an/an/an/an/a