PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City National Bank

Weslaco, TX · Cert 23178

FDIC

Q2 2005

$62.0MAssets
$38.6MLoans
$55.7MDeposits
$6.1MEquity
Loan mix
36%RE $6.4M63%C&I $11.2M0%Consumer $0.1MQ2 2004Q2 2005
Deposit mix
76%Interest-bearing $42.3M24%Noninterest $13.4MQ2 2004Q2 2005

NIM

5.75%Q2 ’035.31%Q2 ’045.99%Q2 ’05-5%+19%

Non-interest income vs. expense

3.43%Q2 ’033.86%Q2 ’044.21%Q2 ’05-6%+23%

Executive Summary

  • Earnings: ROA of 0.71%, up 57 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 1.36%.
  • Funding: loans stand at 69.22% of deposits as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

0.71%+57 bps YoY

Net Interest Margin (YTD, annualized)

4.58%+74 bps YoY

Efficiency Ratio (YTD, annualized)

71.15%-81 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.14%10.49%0.25%0.23%10.71%+57 bps
Return on Equity1.75%5.81%2.88%2.61%7.76%+601 bps
Net Interest Margin3.84%4.13%4.42%4.72%4.58%+74 bps
Efficiency Ratio71.96%71.06%74.45%71.06%71.15%-81 bps
Non-Interest Burden2.33%2.47%2.87%2.95%2.88%+54 bps
Growth
Asset Growth (YoY)-14.42%-25.28%-15.66%-7.49%-14.41%+2 bps
Loan Growth (YoY)-13.04%-2.00%18.97%10.11%3.81%+1,684 bps
Deposit Growth (YoY)-14.39%-27.15%-16.65%-7.41%-16.41%-202 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.90%2.20%1.86%2.45%1.36%-153 bps
Allowance / Loans1.53%1.38%1.05%1.26%1.48%-5 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 Capital15.01%15.42%14.07%14.45%16.32%+130 bps
Equity / Assets7.68%9.32%9.26%8.51%9.85%+217 bps
Liquidity & Funding
Loans / Deposits55.74%68.19%76.56%67.83%69.22%+1,348 bps
Liquid Assets / Assets1.38%1.08%1.10%0.00%0.00%-138 bps
CRE / Total Capitaln/an/an/an/an/an/an/a