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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

5.18%Q2 ’055.66%Q2 ’066.16%Q2 ’07-8%+16%

Non-interest income vs. expense

2.68%Q2 ’052.37%Q2 ’063.05%Q2 ’07-7%+29%

Executive Summary

  • Earnings: ROA of 0.53%, down 28 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 59.26% of deposits as of Q2 2007.

Financial Results

Return on Assets (quarter, annualized)

0.53%-28 bps YoY

Net Interest Margin (quarter, annualized)

3.39%+46 bps YoY

Efficiency Ratio (quarter, annualized)

79.77%+749 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.82%0.45%0.62%0.59%0.53%-28 bps
Return on Equity11.77%5.84%7.17%7.37%6.59%-519 bps
Net Interest Margin2.93%2.77%3.31%3.38%3.39%+46 bps
Efficiency Ratio72.27%81.72%83.15%78.29%79.77%+749 bps
Non-Interest Burden2.02%2.19%2.67%2.56%2.62%+59 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 / Loans0.17%0.00%0.00%0.01%0.00%-17 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