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Texas Community Bank & Trust, N.A.

Dallas, TX · Cert 25296

FDIC

Q4 2005

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 2005, the quarter ended December 31, 2005, 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 2026-10-11

Texas Community Bank & Trust, N.A.

Dallas, TX · Cert 25296

FDIC

Q4 2005

$122.6MAssets
$65.2MLoans
$102.4MDeposits
$10.2MEquity
Deposit mix
58%Interest-bearing $59.3M42%Noninterest $43.1MQ4 2004Q4 2005

NIM

5.13%Q4 ’034.53%Q4 ’045.29%Q4 ’05-12%+8%

Non-interest income vs. expense

3.20%Q4 ’033.27%Q4 ’042.96%Q4 ’05+12%-11%

Executive Summary

  • Earnings: ROA of 1.18%, up 29 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 63.64% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.18%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+30 bps YoY

Efficiency Ratio (YTD, annualized)

60.59%-1,024 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 Assets0.89%1.22%1.21%1.26%1.18%+29 bps
Return on Equity12.69%16.68%16.45%16.52%15.19%+249 bps
Net Interest Margin3.80%3.87%3.86%4.07%4.10%+30 bps
Efficiency Ratio70.82%59.14%58.16%57.59%60.59%-1,024 bps
Non-Interest Burden2.45%1.97%1.93%2.01%2.17%-28 bps
Growth
Asset Growth (YoY)-3.84%1.63%-4.07%-12.29%-7.43%-359 bps
Loan Growth (YoY)8.93%11.23%3.01%-3.57%-15.78%-2,471 bps
Deposit Growth (YoY)1.84%-3.06%-10.02%-14.49%-9.98%-1,182 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%-0.01%-0.03%0.05%0.04%-12 bps
Allowance / Loans0.95%0.91%0.92%0.92%1.18%+23 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 Capital13.87%13.96%13.53%14.45%16.33%+246 bps
Equity / Assets7.29%7.29%7.57%8.38%8.29%+100 bps
Liquidity & Funding
Loans / Deposits68.02%78.79%77.78%81.53%63.64%-438 bps
Liquid Assets / Assets0.08%0.11%0.12%0.21%0.14%+6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a