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First National Bank of Sachse

Sachse, TX · Cert 25016

FDIC

Q4 2005

$71.0MAssets
$49.3MLoans
$61.0MDeposits
$9.9MEquity
Deposit mix
78%Interest-bearing $47.3M22%Noninterest $13.7MQ4 2004Q4 2005

NIM

6.14%Q4 ’035.89%Q4 ’046.28%Q4 ’05-1%+6%

Non-interest income vs. expense

3.07%Q4 ’032.82%Q4 ’042.91%Q4 ’05-9%+11%

Executive Summary

  • Earnings: ROA of 1.63%, down 12 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 80.91% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.63%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.68%+26 bps YoY

Efficiency Ratio (YTD, annualized)

54.63%+46 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.75%1.78%1.83%1.84%1.63%-12 bps
Return on Equity14.29%14.15%14.39%14.30%12.43%-185 bps
Net Interest Margin4.42%4.61%4.60%4.60%4.68%+26 bps
Efficiency Ratio54.17%51.99%50.67%50.26%54.63%+46 bps
Non-Interest Burden2.03%2.04%1.98%1.98%2.26%+22 bps
Growth
Asset Growth (YoY)4.41%2.13%4.57%0.90%-3.33%-774 bps
Loan Growth (YoY)11.61%14.09%9.66%2.96%-6.26%-1,787 bps
Deposit Growth (YoY)3.30%-0.23%-0.97%-1.51%-4.28%-757 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.00%0.01%-0.01%-0.01%-22 bps
Allowance / Loans1.03%1.05%1.05%1.09%1.17%+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 Capital17.46%17.04%17.21%18.99%19.43%+198 bps
Equity / Assets12.76%12.46%12.89%13.49%13.94%+118 bps
Liquidity & Funding
Loans / Deposits82.62%86.38%88.71%86.47%80.91%-171 bps
Liquid Assets / Assets0.02%0.02%0.02%0.02%0.02%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a