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Texas Bank

Weatherford, TX · Cert 15832

FDIC

Q4 2005

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: Q4 2005, the quarter ended December 31, 2005, 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

Texas Bank

Weatherford, TX · Cert 15832

FDIC

Q4 2005

$1.8BAssets
$1.4BLoans
$1.6BDeposits
$150.2MEquity
Loan mix
49%RE $177.0M48%C&I $172.6M2%Consumer $8.2MQ4 2004Q4 2005
Deposit mix
66%Interest-bearing $1.1B34%Noninterest $0.6BQ4 2004Q4 2005

NIM

5.46%Q4 ’035.10%Q4 ’045.81%Q4 ’05-4%+8%

Non-interest income vs. expense

4.15%Q4 ’033.61%Q4 ’043.42%Q4 ’05-10%-5%

Executive Summary

  • Earnings: ROA of 1.50%, up 35 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Funding: loans stand at 87.12% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.50%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+33 bps YoY

Efficiency Ratio (YTD, annualized)

58.43%-621 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.15%1.39%1.42%1.48%1.50%+35 bps
Return on Equity13.92%16.31%16.65%17.36%17.71%+379 bps
Net Interest Margin4.16%4.61%4.67%4.60%4.49%+33 bps
Efficiency Ratio64.64%61.25%60.51%59.19%58.43%-621 bps
Non-Interest Burden2.22%2.26%2.27%2.19%2.11%-11 bps
Growth
Asset Growth (YoY)20.12%12.98%11.79%13.73%20.46%+35 bps
Loan Growth (YoY)17.69%14.49%19.89%19.94%16.97%-72 bps
Deposit Growth (YoY)17.77%12.57%9.83%14.25%23.02%+525 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.05%0.11%0.12%0.16%-4 bps
Allowance / Loans1.27%1.28%1.28%1.25%1.25%-2 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 Capital10.85%11.21%10.78%10.54%10.55%-30 bps
Equity / Assets8.39%8.61%8.58%8.57%8.21%-19 bps
Liquidity & Funding
Loans / Deposits91.63%93.45%94.86%93.46%87.12%-451 bps
Liquid Assets / Assets2.75%1.10%1.06%0.99%0.92%-183 bps
CRE / Total Capitaln/an/an/an/an/an/an/a