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Eisenhower National Bank

San Antonio, TX · Cert 21117

FDIC

Q2 2004

$168.6MAssets
$14.6MLoans
$137.7MDeposits
$24.4MEquity
Loan mix
41%RE $2.6M3%C&I $0.2M56%Consumer $3.5MQ2 2003Q2 2004
Deposit mix
94%Interest-bearing $129.5M6%Noninterest $8.3MQ2 2003Q2 2004

NIM

4.73%Q2 ’024.02%Q2 ’033.52%Q2 ’04-9%-5%

Non-interest income vs. expense

5.24%Q2 ’025.44%Q2 ’034.91%Q2 ’04+49%-68%

Executive Summary

  • Earnings: ROA of 2.29%, up 85 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.10%.
  • Funding: loans stand at 10.59% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

2.29%+85 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-16 bps YoY

Efficiency Ratio (YTD, annualized)

66.55%-1,001 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets1.44%1.58%1.60%1.30%2.29%+85 bps
Return on Equity9.27%10.29%10.45%8.41%15.19%+591 bps
Net Interest Margin3.09%3.05%3.12%2.99%2.93%-16 bps
Efficiency Ratio76.56%75.02%74.84%77.44%66.55%-1,001 bps
Non-Interest Burden1.42%1.31%1.34%1.51%0.46%-96 bps
Growth
Asset Growth (YoY)13.00%3.88%7.03%9.96%-0.96%-1,396 bps
Loan Growth (YoY)-20.30%-18.05%-5.80%-8.94%-23.43%-313 bps
Deposit Growth (YoY)6.40%7.05%7.12%3.08%1.37%-503 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.41%1.24%1.36%1.90%2.10%+69 bps
Allowance / Loans3.72%3.63%3.28%3.42%4.41%+69 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 Capital42.70%42.02%40.69%41.74%47.22%+453 bps
Equity / Assets15.85%14.91%15.21%15.58%14.45%-140 bps
Liquidity & Funding
Loans / Deposits14.02%14.47%14.31%13.31%10.59%-343 bps
Liquid Assets / Assets6.89%5.41%4.88%4.12%7.36%+47 bps
CRE / Total Capitaln/an/an/an/an/an/an/a