Nueces National Bank

Corpus Christi, TX · Cert 20919

FDIC

Q3 2001

$133.0MAssets

$82.0MLoans

$108.9MDeposits

$10.4MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.11%, up 34 bps year over year; NIM at 4.03%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
Funding: loans stand at 75.29% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

1.11%+34 bps YoY

Net Interest Margin (quarter, annualized)

4.03%

Efficiency Ratio (quarter, annualized)

65.78%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.53%	0.97%	0.83%	0.77%	0.56%	0.78%	1.06%	1.11%	+34 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	12.35%	13.89%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.00%	4.06%	4.03%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	77.22%	71.48%	65.78%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.73%	2.47%	2.12%	n/a
Growth
Asset Growth (YoY)	83.59%	85.35%	75.08%	54.09%	26.99%	23.94%	31.69%	45.30%	-879 bps
Loan Growth (YoY)	73.36%	106.44%	89.50%	94.69%	63.65%	38.10%	37.37%	39.74%	-5,495 bps
Deposit Growth (YoY)	95.36%	88.40%	66.27%	66.19%	32.82%	24.77%	31.04%	32.93%	-3,326 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	n/a	1.37%	0.31%	0.07%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.18%	1.05%	0.98%	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	n/a	10.58%	10.17%	9.60%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	8.94%	8.20%	7.84%	n/a
Liquidity & Funding
Loans / Deposits	62.55%	72.11%	75.99%	71.63%	77.06%	79.81%	79.66%	75.29%	+367 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	1.29%	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