PackageTrendsPeer
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 $0.0BQ1 2009Q4 2010
Deposit mix
94%Interest-bearing $3.9B6%Noninterest $0.2BQ1 2009Q4 2010

Executive Summary

  • Earnings: ROA of 0.61%, up 55 bps year over year; NIM at 2.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 63.10% of deposits as of Q4 2010.

Return on Assets (quarter, annualized)

0.61%+55 bps YoY

Net Interest Margin (quarter, annualized)

2.37%+18 bps YoY

Efficiency Ratio (quarter, annualized)

67.81%-649 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.39%Q4 ’082.80%Q4 ’092.78%Q4 ’10-29%+8%

Non-interest income vs. expense

2.69%Q4 ’082.28%Q4 ’092.21%Q4 ’10-15%-6%

Discrete quarter, annualized.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-0.39%0.41%-0.52%0.07%-0.05%0.93%0.42%0.61%+55 bps
Return on Equity-2.95%3.40%-4.52%0.61%-0.45%7.79%3.46%5.07%+446 bps
Net Interest Margin2.63%2.41%2.36%2.19%2.40%2.59%2.49%2.37%+18 bps
Efficiency Ratio75.56%87.80%79.93%74.30%66.21%66.73%70.55%67.81%-649 bps
Non-Interest Burden1.77%2.08%1.77%1.47%1.36%1.51%1.59%1.38%-9 bps
Growth
Asset Growth (YoY)6.59%10.49%27.71%38.58%13.57%3.97%1.29%-5.54%-4,412 bps
Loan Growth (YoY)4.49%-3.39%-6.58%-12.22%-13.92%-11.41%-10.26%-7.63%+459 bps
Deposit Growth (YoY)5.74%6.25%16.75%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.68%0.79%0.53%1.09%0.93%0.68%0.45%0.09%-100 bps
Allowance / Loans2.08%1.83%2.34%2.41%2.80%2.42%2.39%2.48%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.76%10.73%10.71%10.62%11.26%11.72%12.04%12.26%+164 bps
Equity / Assets12.71%11.75%11.21%10.52%11.80%12.07%12.12%12.08%+155 bps
Liquidity & Funding
Loans / Deposits87.66%82.46%75.96%70.87%71.76%70.56%64.84%63.10%-777 bps
Liquid Assets / Assets0.24%0.21%0.20%0.18%1.43%2.48%2.88%2.83%+265 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a