PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Intercontinental National Bank

San Antonio, TX · Cert 19112

FDIC

Q2 2007

$108.7MAssets
$59.0MLoans
$99.5MDeposits
$8.6MEquity
Loan mix
44%RE $18.4M56%C&I $23.6M0%Consumer $0.0MQ2 2006Q2 2007
Deposit mix
73%Interest-bearing $73.2M27%Noninterest $26.4MQ2 2006Q2 2007

NIM

5.15%Q2 ’055.24%Q2 ’066.21%Q2 ’07-10%+20%

Non-interest income vs. expense

2.76%Q2 ’052.41%Q2 ’063.02%Q2 ’07-10%+28%

Executive Summary

  • Earnings: ROA of 0.56%, down 22 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 59.26% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.56%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+56 bps YoY

Efficiency Ratio (YTD, annualized)

79.03%+428 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.78%0.70%0.67%0.59%0.56%-22 bps
Return on Equity10.60%8.98%8.58%7.37%7.00%-361 bps
Net Interest Margin2.85%2.94%3.36%3.38%3.41%+56 bps
Efficiency Ratio74.75%76.95%78.48%78.29%79.03%+428 bps
Non-Interest Burden2.04%2.17%2.54%2.56%2.61%+57 bps
Growth
Asset Growth (YoY)23.26%-16.78%0.21%-13.19%-20.90%-4,417 bps
Loan Growth (YoY)-1.83%-23.04%-26.64%-21.50%-17.76%-1,593 bps
Deposit Growth (YoY)26.89%-16.92%3.04%-12.24%-20.67%-4,756 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.08%0.06%0.01%0.01%-8 bps
Allowance / Loans0.48%0.65%0.63%0.62%0.58%+10 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 Capital18.03%21.03%17.61%17.71%17.59%-44 bps
Equity / Assets6.53%9.52%7.81%8.32%7.92%+139 bps
Liquidity & Funding
Loans / Deposits57.16%60.98%53.65%57.19%59.26%+210 bps
Liquid Assets / Assets0.09%0.16%0.16%0.19%0.17%+8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a