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Klein Bank

Klein, TX · Cert 22866

FDIC

Q3 2004

$589.5MAssets
$163.1MLoans
$535.6MDeposits
$49.5MEquity
Loan mix
77%RE $45.3M19%C&I $11.4M4%Consumer $2.4MQ3 2003Q3 2004
Deposit mix
66%Interest-bearing $354.4M34%Noninterest $181.2MQ3 2003Q3 2004

NIM

6.11%Q3 ’025.23%Q3 ’035.21%Q3 ’04-12%+1%

Non-interest income vs. expense

4.14%Q3 ’023.98%Q3 ’033.97%Q3 ’04-3%-21%

Executive Summary

  • Earnings: ROA of 2.03%, up 74 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 30.45% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

2.03%+74 bps YoY

Net Interest Margin (YTD, annualized)

4.69%+6 bps YoY

Efficiency Ratio (YTD, annualized)

60.79%-660 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets1.29%1.40%1.81%1.75%2.03%+74 bps
Return on Equity16.30%17.96%24.19%23.12%26.05%+976 bps
Net Interest Margin4.63%4.58%4.83%4.67%4.69%+6 bps
Efficiency Ratio67.40%64.47%58.94%59.41%60.79%-660 bps
Non-Interest Burden2.71%2.47%2.07%2.03%2.13%-58 bps
Growth
Asset Growth (YoY)10.03%9.96%8.35%8.17%3.45%-658 bps
Loan Growth (YoY)-2.59%-0.95%4.82%-0.63%-3.66%-107 bps
Deposit Growth (YoY)7.08%9.31%8.66%7.25%6.20%-88 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.05%0.55%0.51%0.54%+50 bps
Allowance / Loans0.94%1.11%0.94%0.90%0.83%-11 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 Capital26.20%24.50%24.94%26.99%27.61%+140 bps
Equity / Assets7.95%7.30%7.66%7.75%8.40%+45 bps
Liquidity & Funding
Loans / Deposits33.56%32.20%32.33%30.77%30.45%-311 bps
Liquid Assets / Assets59.10%59.27%58.56%62.18%55.55%-354 bps
CRE / Total Capitaln/an/an/an/an/an/an/a