PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 ’095.69%Q2 ’104.36%Q2 ’11-7%-23%

Non-interest income vs. expense

5.93%Q2 ’095.16%Q2 ’105.01%Q2 ’11-10%-4%

Executive Summary

  • Earnings: ROA of -0.45%, down 72 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.17%.
  • Funding: loans stand at 33.71% of deposits as of Q2 2011.

Financial Results

Return on Assets (quarter, annualized)

-0.45%-72 bps YoY

Net Interest Margin (quarter, annualized)

3.85%-112 bps YoY

Efficiency Ratio (quarter, annualized)

111.28%+1,940 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.27%6.36%1-0.97%0.05%-0.45%-72 bps
Return on Equity3.31%71.72%-11.34%0.69%-5.48%-879 bps
Net Interest Margin4.98%4.67%4.24%4.64%3.85%-112 bps
Efficiency Ratio91.88%96.07%107.94%98.63%111.28%+1,940 bps
Non-Interest Burden4.52%4.47%4.64%4.57%4.36%-16 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 / Loans0.19%0.73%2.32%0.30%1.17%+98 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