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Texas Premier Bank, National Association

Brookshire, TX · Cert 25062

FDIC

Q4 2006

$68.6MAssets
$57.0MLoans
$59.5MDeposits
$7.9MEquity
Loan mix
31%RE $8.6M69%C&I $18.9M0%Consumer $0.1MQ4 2005Q4 2006
Deposit mix
57%Interest-bearing $33.8M43%Noninterest $25.8MQ4 2005Q4 2006

NIM

5.72%Q4 ’046.70%Q4 ’058.35%Q4 ’06+20%+23%

Non-interest income vs. expense

4.46%Q4 ’044.81%Q4 ’055.65%Q4 ’06+11%+19%

Executive Summary

  • Earnings: ROA of 1.54%, up 39 bps year over year; NIM at 7.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 95.70% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

1.54%+39 bps YoY

Net Interest Margin (YTD, annualized)

7.53%+142 bps YoY

Efficiency Ratio (YTD, annualized)

69.11%-252 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.15%1.47%1.56%1.58%1.54%+39 bps
Return on Equity12.31%15.16%15.77%15.38%14.63%+231 bps
Net Interest Margin6.11%6.73%6.98%7.39%7.53%+142 bps
Efficiency Ratio71.63%68.87%67.95%68.30%69.11%-252 bps
Non-Interest Burden4.21%4.44%4.54%4.84%5.01%+80 bps
Growth
Asset Growth (YoY)2.17%-0.46%2.90%-2.32%-4.02%-619 bps
Loan Growth (YoY)2.06%7.16%1.63%1.93%-0.15%-220 bps
Deposit Growth (YoY)1.78%-1.74%2.03%-3.54%-5.01%-680 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.00%0.01%0.01%0.01%-9 bps
Allowance / Loans1.43%1.43%1.43%1.46%1.46%+3 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 Capital13.62%13.25%13.65%14.45%14.64%+102 bps
Equity / Assets9.77%9.67%10.29%11.59%11.48%+171 bps
Liquidity & Funding
Loans / Deposits91.03%90.28%93.11%100.53%95.70%+466 bps
Liquid Assets / Assets4.98%5.28%4.83%5.25%4.75%-23 bps
CRE / Total Capitaln/an/an/an/an/an/an/a