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South Texas National Bank of Laredo

Laredo, TX · Cert 22563

FDIC

Q3 2005

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: Q3 2005, the quarter ended September 30, 2005, 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 2026-10-11

South Texas National Bank of Laredo

Laredo, TX · Cert 22563

FDIC

Q3 2005

$664.7MAssets
$282.0MLoans
$568.7MDeposits
$77.1MEquity
Loan mix
55%RE $64.4M45%C&I $52.6M0%Consumer $0.6MQ3 2004Q3 2005
Deposit mix
68%Interest-bearing $388.6M32%Noninterest $180.1MQ3 2004Q3 2005

NIM

4.29%Q3 ’034.65%Q3 ’042.89%Q3 ’05+13%-43%

Non-interest income vs. expense

2.60%Q3 ’032.77%Q3 ’041.43%Q3 ’05+6%-48%

Executive Summary

  • Earnings: ROA of 0.69%, down 39 bps year over year; NIM at 2.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Funding: loans stand at 49.59% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.69%-39 bps YoY

Net Interest Margin (YTD, annualized)

2.03%-156 bps YoY

Efficiency Ratio (YTD, annualized)

56.06%-362 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.08%1.10%0.94%0.41%0.69%-39 bps
Return on Equity9.94%10.04%8.29%3.62%6.01%-393 bps
Net Interest Margin3.59%3.52%3.39%1.26%2.03%-156 bps
Efficiency Ratio59.68%59.12%64.46%57.06%56.06%-362 bps
Non-Interest Burden1.80%1.74%1.85%0.60%0.94%-86 bps
Growth
Asset Growth (YoY)0.61%0.36%2.40%2.98%6.06%+545 bps
Loan Growth (YoY)-0.58%-2.14%-3.58%-2.24%-4.20%-362 bps
Deposit Growth (YoY)-0.57%-0.72%2.36%2.16%6.16%+674 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.16%0.15%0.18%0.21%+12 bps
Allowance / Loans1.37%1.36%1.43%1.45%1.50%+13 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 Capital16.37%16.70%17.30%18.11%18.92%+255 bps
Equity / Assets11.40%11.39%11.28%11.42%11.60%+20 bps
Liquidity & Funding
Loans / Deposits54.96%53.20%51.51%50.74%49.59%-537 bps
Liquid Assets / Assets3.26%2.10%1.61%1.36%1.34%-192 bps
CRE / Total Capitaln/an/an/an/an/an/an/a