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Letter portraitLegal landscapeQuarterYTD

Coupland State Bank of Coupland, The

Coupland, TX · Cert 17711

FDIC

Q4 2008

$228.2MAssets
$200.1MLoans
$198.6MDeposits
$20.1MEquity
Deposit mix
81%Interest-bearing $160.1M19%Noninterest $38.5MQ4 2007Q4 2008

NIM

5.53%Q4 ’065.97%Q4 ’075.86%Q4 ’08-4%+15%

Non-interest income vs. expense

3.29%Q4 ’062.86%Q4 ’072.72%Q4 ’08-7%-2%

Executive Summary

  • Earnings: ROA of 0.87%, up 39 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 100.75% of deposits as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

0.87%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+45 bps YoY

Efficiency Ratio (YTD, annualized)

68.27%-1,007 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.49%0.74%0.88%0.90%0.87%+39 bps
Return on Equity5.31%7.82%9.57%10.01%9.72%+441 bps
Net Interest Margin3.10%3.53%3.49%3.46%3.56%+45 bps
Efficiency Ratio78.34%73.65%70.09%69.02%68.27%-1,007 bps
Non-Interest Burden2.48%2.60%2.43%2.39%2.44%-4 bps
Growth
Asset Growth (YoY)30.15%23.03%25.21%20.46%13.09%-1,706 bps
Loan Growth (YoY)34.85%38.96%28.62%25.54%14.88%-1,996 bps
Deposit Growth (YoY)29.28%13.95%24.61%19.21%17.18%-1,210 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.00%0.05%0.03%0.03%-1 bps
Allowance / Loans0.53%0.56%0.57%0.63%0.79%+26 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 Capital10.12%10.30%10.01%10.07%10.09%-3 bps
Equity / Assets9.39%9.52%8.67%8.65%8.81%-58 bps
Liquidity & Funding
Loans / Deposits102.76%107.77%93.99%95.17%100.75%-201 bps
Liquid Assets / Assets1.66%1.57%1.83%1.55%2.05%+40 bps
CRE / Total Capitaln/an/an/an/an/an/an/a