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Central Texas Bank of Flatonia

Flatonia, TX · Cert 17758

FDIC

Q4 2001

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 2001, the quarter ended December 31, 2001, 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

Central Texas Bank of Flatonia

Flatonia, TX · Cert 17758

FDIC

Q4 2001

$152.8MAssets
$83.4MLoans
$142.3MDeposits
$9.4MEquity
Loan mix
63%RE $30.4M36%C&I $17.5M0%Consumer $0.0MQ1 2000Q4 2001
Deposit mix
81%Interest-bearing $115.0M19%Noninterest $27.3MQ1 2000Q4 2001

Executive Summary

  • Earnings: ROA of 1.23%, up 33 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 58.62% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

1.23%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.66%

Efficiency Ratio (YTD, annualized)

68.99%

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.99%Q1 ’016.53%Q3 ’016.24%Q4 ’01-3%-4%

Non-interest income vs. expense

3.68%Q1 ’013.59%Q3 ’013.63%Q4 ’01-3%+3%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.02%0.99%1.06%0.91%1.30%1.30%1.36%1.23%+33 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.92%3.88%3.80%3.66%n/a
Efficiency Ration/an/an/an/a66.05%67.93%66.16%68.99%n/a
Non-Interest Burdenn/an/an/an/a2.03%2.10%1.97%2.03%n/a
Growth
Asset Growth (YoY)85.43%86.90%99.09%12.19%11.62%13.94%9.07%14.29%+209 bps
Loan Growth (YoY)176.77%174.04%187.98%59.10%30.02%24.81%20.05%6.62%-5,248 bps
Deposit Growth (YoY)86.95%92.95%99.50%11.62%12.02%12.97%7.76%14.39%+277 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.08%0.11%0.13%0.17%n/a
Allowance / Loansn/an/an/an/a0.72%0.71%0.72%0.76%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a10.60%10.95%11.02%10.75%n/a
Equity / Assetsn/an/an/an/a6.53%6.55%6.82%6.13%n/a
Liquidity & Funding
Loans / Deposits55.40%59.21%59.43%62.90%64.30%65.42%66.21%58.62%-427 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a