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American State Bank

Lubbock, TX · Cert 16701

FDIC

Q2 2012

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 2012, the quarter ended June 30, 2012, 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

American State Bank

Lubbock, TX · Cert 16701

FDIC

Q2 2012

$3.2BAssets
$1.2BLoans
$2.5BDeposits
$296.0MEquity
Loan mix
65%RE $628.0M31%C&I $302.7M4%Consumer $42.6MQ2 2011Q2 2012
Deposit mix
90%Interest-bearing $2.3B10%Noninterest $0.2BQ2 2011Q2 2012

NIM

4.36%Q2 ’103.93%Q2 ’113.55%Q2 ’12-6%-4%

Non-interest income vs. expense

2.60%Q2 ’102.49%Q2 ’113.91%Q2 ’12-3%+127%

Executive Summary

  • Earnings: ROA of 2.26%, up 51 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 50.05% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

2.26%1+51 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-13 bps YoY

Efficiency Ratio (YTD, annualized)

86.06%+3,322 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets1.75%1.66%1.48%1.66%2.26%1+51 bps
Return on Equity18.62%17.46%15.77%18.31%24.62%+600 bps
Net Interest Margin3.37%3.35%3.17%3.24%3.23%-13 bps
Efficiency Ratio52.84%52.84%53.12%47.88%86.06%+3,322 bps
Non-Interest Burden1.14%1.12%1.07%0.87%2.60%+146 bps
Growth
Asset Growth (YoY)11.21%17.45%14.59%14.79%14.04%+284 bps
Loan Growth (YoY)6.92%10.45%10.31%11.44%8.03%+110 bps
Deposit Growth (YoY)11.40%17.36%14.02%13.80%13.65%+225 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.28%-0.08%0.01%0.08%0.13%+41 bps
Allowance / Loans1.60%1.57%2.03%1.97%2.08%+49 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 Capital17.48%17.39%16.09%16.51%18.97%+148 bps
Equity / Assets9.75%9.80%8.97%9.13%9.39%-37 bps
Liquidity & Funding
Loans / Deposits52.65%52.58%49.17%49.50%50.05%-261 bps
Liquid Assets / Assets41.97%42.45%43.58%43.18%34.50%-747 bps
CRE / Total Capitaln/an/an/an/an/an/an/a