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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 $0.0MQ4 2000Q4 2001
Deposit mix
81%Interest-bearing $115.0M19%Noninterest $27.3MQ4 2000Q4 2001

NIM

6.99%Q1 ’016.43%Q3 ’015.87%Q4 ’01-2%-9%

Non-interest income vs. expense

3.68%Q1 ’013.43%Q3 ’014.00%Q4 ’01-11%+30%

Executive Summary

  • Earnings: ROA of 0.90%, down 1 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 58.62% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

0.90%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.51%

Efficiency Ratio (quarter, annualized)

77.70%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.91%1.30%1.30%1.46%0.90%-1 bps
Return on Equityn/an/a19.85%21.82%13.94%n/a
Net Interest Marginn/a3.92%3.96%3.86%3.51%n/a
Efficiency Ration/a66.05%69.70%62.67%77.70%n/a
Non-Interest Burdenn/a2.03%2.23%1.81%2.36%n/a
Growth
Asset Growth (YoY)12.19%11.62%13.94%9.07%14.29%+209 bps
Loan Growth (YoY)59.10%30.02%24.81%20.05%6.62%-5,248 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loansn/a0.08%0.14%0.18%0.27%n/a
Allowance / Loansn/a0.72%0.71%0.72%0.76%n/a
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 Capitaln/a10.60%10.95%11.02%10.75%n/a
Equity / Assetsn/a6.53%6.55%6.82%6.13%n/a
Liquidity & Funding
Loans / Deposits62.90%64.30%65.42%66.21%58.62%-427 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a