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Texas First Bank

Santa Fe, TX · Cert 22420

FDIC

Q1 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Texas First Bank

Santa Fe, TX · Cert 22420

FDIC

Q1 2011

$233.5MAssets
$151.3MLoans
$210.1MDeposits
$21.2MEquity
Loan mix
88%RE $129.4M7%C&I $10.0M5%Consumer $7.9MQ1 2010Q1 2011
Deposit mix
72%Interest-bearing $151.8M28%Noninterest $58.3MQ1 2010Q1 2011

NIM

5.94%Q1 ’095.56%Q1 ’105.27%Q1 ’11-1%-1%

Non-interest income vs. expense

3.79%Q1 ’093.78%Q1 ’103.88%Q1 ’11+1%+6%

Executive Summary

  • Earnings: ROA of 0.94%, up 3 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 72.00% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

0.94%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.58%-5 bps YoY

Efficiency Ratio (YTD, annualized)

70.50%+326 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.92%0.33%0.28%0.32%0.94%+3 bps
Return on Equity10.05%3.75%3.23%3.60%10.68%+63 bps
Net Interest Margin4.63%4.65%4.38%4.63%4.58%-5 bps
Efficiency Ratio67.24%68.89%71.87%72.87%70.50%+326 bps
Non-Interest Burden2.79%2.89%2.88%3.11%2.96%+17 bps
Growth
Asset Growth (YoY)-2.27%3.38%-0.12%-1.84%4.08%+635 bps
Loan Growth (YoY)4.77%16.54%19.19%19.14%17.14%+1,236 bps
Deposit Growth (YoY)-1.31%3.57%-0.10%-1.94%4.48%+578 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.53%1.80%1.47%1.34%0.04%-48 bps
Allowance / Loans1.90%1.76%1.78%1.79%1.88%-2 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 Capital13.98%12.57%12.75%12.65%13.38%-60 bps
Equity / Assets9.64%8.46%8.56%8.61%9.07%-57 bps
Liquidity & Funding
Loans / Deposits64.22%64.76%68.26%70.91%72.00%+778 bps
Liquid Assets / Assets15.22%16.34%12.98%14.15%18.45%+323 bps
CRE / Total Capitaln/an/an/an/an/an/an/a