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Eastland National Bank

Eastland, TX · Cert 14861

FDIC

Q3 2012

$226.2MAssets
$73.0MLoans
$200.4MDeposits
$22.1MEquity
Loan mix
68%RE $39.6M18%C&I $10.5M14%Consumer $8.4MQ3 2011Q3 2012
Deposit mix
56%Interest-bearing $111.3M44%Noninterest $89.0MQ3 2011Q3 2012

NIM

4.73%Q3 ’104.30%Q3 ’113.64%Q3 ’12-7%-14%

Non-interest income vs. expense

2.73%Q3 ’102.57%Q3 ’112.28%Q3 ’12-1%-11%

Executive Summary

  • Earnings: ROA of 1.47%, down 22 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.37%.
  • Funding: loans stand at 36.45% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

1.47%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-57 bps YoY

Efficiency Ratio (YTD, annualized)

51.98%+172 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.69%1.65%1.51%1.53%1.47%-22 bps
Return on Equity16.27%15.74%14.57%14.54%14.27%-200 bps
Net Interest Margin4.08%3.63%3.58%3.57%3.51%-57 bps
Efficiency Ratio50.25%50.30%51.44%51.68%51.98%+172 bps
Non-Interest Burden1.59%1.41%1.43%1.43%1.41%-18 bps
Growth
Asset Growth (YoY)10.88%15.48%9.15%5.68%32.22%+2,135 bps
Loan Growth (YoY)-2.97%-3.55%-2.50%5.74%5.64%+861 bps
Deposit Growth (YoY)13.02%15.89%9.32%6.08%37.27%+2,425 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%0.23%0.46%0.31%0.37%+42 bps
Allowance / Loans1.87%1.80%1.73%1.72%1.68%-19 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 Capital17.03%17.30%17.33%17.48%16.84%-19 bps
Equity / Assets11.61%10.67%10.03%10.82%9.78%-183 bps
Liquidity & Funding
Loans / Deposits47.36%41.78%38.29%42.35%36.45%-1,091 bps
Liquid Assets / Assets6.20%11.40%10.20%6.81%0.31%-589 bps
CRE / Total Capitaln/an/an/an/an/an/an/a