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City National Bank

Kilgore, TX · Cert 23261

FDIC

Q4 2007

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: Q4 2007, the quarter ended December 31, 2007, 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

City National Bank

Kilgore, TX · Cert 23261

FDIC

Q4 2007

$191.1MAssets
$92.8MLoans
$170.9MDeposits
$17.6MEquity
Loan mix
73%RE $43.0M27%C&I $15.6M0%Consumer $0.1MQ4 2006Q4 2007
Deposit mix
92%Interest-bearing $157.7M8%Noninterest $13.3MQ4 2006Q4 2007

NIM

5.02%Q4 ’055.60%Q4 ’065.28%Q4 ’07-2%-9%

Non-interest income vs. expense

4.33%Q4 ’058.54%Q4 ’063.28%Q4 ’07+688%-78%

Executive Summary

  • Earnings: ROA of 1.07%, up 348 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
  • Funding: loans stand at 54.29% of deposits as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

1.07%+348 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-27 bps YoY

Efficiency Ratio (YTD, annualized)

68.88%-9,725 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets-2.41%0.94%0.92%0.97%1.07%+348 bps
Return on Equity-26.54%10.05%9.90%10.34%11.42%+3,795 bps
Net Interest Margin3.21%3.02%2.91%2.95%2.94%-27 bps
Efficiency Ratio166.13%70.20%70.77%69.49%68.88%-9,725 bps
Non-Interest Burden6.61%1.53%1.50%1.46%1.45%-516 bps
Growth
Asset Growth (YoY)-0.18%-1.85%7.47%7.81%19.92%+2,011 bps
Loan Growth (YoY)0.79%3.58%2.50%6.62%1.41%+61 bps
Deposit Growth (YoY)5.14%1.71%10.12%7.13%19.83%+1,469 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.30%0.11%0.79%0.64%0.48%+17 bps
Allowance / Loans1.51%1.53%1.16%1.10%0.92%-59 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 Capital11.96%12.25%12.14%12.36%12.46%+51 bps
Equity / Assets9.37%9.43%9.21%9.66%9.21%-16 bps
Liquidity & Funding
Loans / Deposits64.15%61.45%60.16%61.52%54.29%-987 bps
Liquid Assets / Assets0.21%3.73%6.04%1.80%9.27%+906 bps
CRE / Total Capitaln/an/an/an/an/an/an/a