Central Texas Bank of Flatonia

Flatonia, TX · Cert 17758

FDIC

Q4 2001

$152.8MAssets

$83.4MLoans

$142.3MDeposits

$9.4MEquity

Loan mix

Deposit mix

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

Year to date, annualized, through each quarter.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.02%	0.99%	1.06%	0.91%	1.30%	1.30%	1.36%	1.23%	+33 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.92%	3.88%	3.80%	3.66%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	66.05%	67.93%	66.16%	68.99%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.03%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.08%	0.11%	0.13%	0.17%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	0.72%	0.71%	0.72%	0.76%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	10.60%	10.95%	11.02%	10.75%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	6.53%	6.55%	6.82%	6.13%	n/a
Liquidity & Funding
Loans / Deposits	55.40%	59.21%	59.43%	62.90%	64.30%	65.42%	66.21%	58.62%	-427 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a