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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

6.43%Q4 ’066.66%Q4 ’075.94%Q4 ’08-1%+13%

Non-interest income vs. expense

3.51%Q4 ’062.92%Q4 ’072.85%Q4 ’08-6%-2%

Executive Summary

  • Earnings: ROA of 0.76%, up 14 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 100.75% of deposits as of Q4 2008.

Financial Results

Return on Assets (quarter, annualized)

0.76%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.94%+45 bps YoY

Efficiency Ratio (quarter, annualized)

66.23%-783 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.62%0.74%1.02%0.94%0.76%+14 bps
Return on Equity6.75%7.82%11.21%10.85%8.70%+194 bps
Net Interest Margin3.49%3.53%3.66%3.79%3.94%+45 bps
Efficiency Ratio74.06%73.65%66.84%67.05%66.23%-783 bps
Non-Interest Burden2.69%2.60%2.42%2.59%2.64%-5 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 / Loans0.12%0.00%0.09%0.01%0.00%-12 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