PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.37%Q4 ’034.63%Q4 ’045.45%Q4 ’05+8%+5%

Non-interest income vs. expense

3.27%Q4 ’033.13%Q4 ’043.40%Q4 ’05+3%+9%

Executive Summary

  • Earnings: ROA of 0.93%, down 6 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 63.64% of deposits as of Q4 2005.

Financial Results

Return on Assets (quarter, annualized)

0.93%-6 bps YoY

Net Interest Margin (quarter, annualized)

4.08%+19 bps YoY

Efficiency Ratio (quarter, annualized)

69.59%+224 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.00%1.22%1.21%1.33%0.93%-6 bps
Return on Equity14.08%16.68%16.28%16.66%11.18%-290 bps
Net Interest Margin3.90%3.87%3.84%4.16%4.08%+19 bps
Efficiency Ratio67.35%59.14%57.17%56.46%69.59%+224 bps
Non-Interest Burden2.38%1.97%1.89%2.01%2.60%+22 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 / Loans0.45%-0.01%-0.05%0.21%-0.01%-46 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