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Letter portraitLegal landscapeQuarterYTD

Bank of Texas, National Association

Dallas, TX · Cert 21674

FDIC

Q4 2010

$5.6BAssets
$2.6BLoans
$4.2BDeposits
$676.7MEquity
Loan mix
42%RE $0.9B58%C&I $1.2B0%Consumer $0.0BQ4 2009Q4 2010
Deposit mix
94%Interest-bearing $3.9B6%Noninterest $0.2BQ4 2009Q4 2010

NIM

4.75%Q4 ’082.82%Q4 ’092.88%Q4 ’10-36%+15%

Non-interest income vs. expense

2.72%Q4 ’082.32%Q4 ’092.19%Q4 ’10-13%-7%

Executive Summary

  • Earnings: ROA of 0.47%, up 57 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.55%.
  • Funding: loans stand at 63.10% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

0.47%+57 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+32 bps YoY

Efficiency Ratio (YTD, annualized)

67.80%-1,141 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-0.10%-0.05%0.42%0.42%0.47%+57 bps
Return on Equity-0.86%-0.45%3.72%3.63%4.00%+487 bps
Net Interest Margin2.09%2.40%2.56%2.50%2.40%+32 bps
Efficiency Ratio79.21%66.21%66.47%67.79%67.80%-1,141 bps
Non-Interest Burden1.54%1.36%1.47%1.49%1.42%-11 bps
Growth
Asset Growth (YoY)38.58%13.57%3.97%1.29%-5.54%-4,412 bps
Loan Growth (YoY)-12.22%-13.92%-11.41%-10.26%-7.63%+459 bps
Deposit Growth (YoY)17.54%5.15%3.53%5.12%3.75%-1,379 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.81%0.93%0.81%0.71%0.55%-26 bps
Allowance / Loans2.41%2.80%2.42%2.39%2.48%+8 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 Capital10.62%11.26%11.72%12.04%12.26%+164 bps
Equity / Assets10.52%11.80%12.07%12.12%12.08%+155 bps
Liquidity & Funding
Loans / Deposits70.87%71.76%70.56%64.84%63.10%-777 bps
Liquid Assets / Assets0.18%1.43%2.48%2.88%2.83%+265 bps
CRE / Total Capitaln/an/an/an/an/an/an/a