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North Houston Bank

Houston, TX · Cert 18776

FDIC

Q3 2009

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: Q3 2009, the quarter ended September 30, 2009, 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

North Houston Bank

Houston, TX · Cert 18776

FDIC

Q3 2009

$325.5MAssets
$265.5MLoans
$307.2MDeposits
$15.7MEquity
Loan mix
95%RE $180.4M5%C&I $8.6M0%Consumer $0.0MQ3 2008Q3 2009
Deposit mix
82%Interest-bearing $253.4M18%Noninterest $53.8MQ3 2008Q3 2009

NIM

8.53%Q3 ’076.15%Q3 ’084.70%Q3 ’09-31%-18%

Non-interest income vs. expense

3.09%Q3 ’072.18%Q3 ’083.03%Q3 ’09-31%+92%

Executive Summary

  • Earnings: ROA of -9.83%, down 115 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 86.44% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-9.83%-115 bps YoY

Net Interest Margin (YTD, annualized)

2.78%-63 bps YoY

Efficiency Ratio (YTD, annualized)

113.59%+5,850 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-8.68%-7.19%0.38%0.09%-9.83%-115 bps
Return on Equity-92.45%-74.85%3.60%0.84%-104.04%-1,159 bps
Net Interest Margin3.41%3.62%2.70%2.97%2.78%-63 bps
Efficiency Ratio55.10%65.12%94.04%101.47%113.59%+5,850 bps
Non-Interest Burden1.64%2.31%2.53%3.02%3.15%+151 bps
Growth
Asset Growth (YoY)32.99%-8.29%-20.54%-32.20%-25.15%-5,814 bps
Loan Growth (YoY)31.98%-0.67%-22.62%-26.86%-23.89%-5,587 bps
Deposit Growth (YoY)0.68%-8.70%2.34%-3.47%11.25%+1,057 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.65%0.59%0.00%0.00%0.22%-42 bps
Allowance / Loans1.47%1.49%1.46%1.49%2.45%+98 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 Capital7.91%10.04%10.19%10.33%-2.69%-1,060 bps
Equity / Assets7.51%10.64%10.34%11.90%4.83%-268 bps
Liquidity & Funding
Loans / Deposits126.35%115.48%95.05%97.15%86.44%-3,991 bps
Liquid Assets / Assets0.10%0.16%9.41%0.03%10.04%+993 bps
CRE / Total Capitaln/an/an/an/an/an/an/a