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Letter portraitLegal landscapeQuarterYTD

Texas Guaranty Bank, National Association

Houston, TX · Cert 25739

FDIC

Q1 2002

$79.2MAssets
$60.7MLoans
$62.3MDeposits
$9.4MEquity
Loan mix
54%RE $10.9M46%C&I $9.4M0%Consumer $0.0MQ1 2001Q1 2002
Deposit mix
80%Interest-bearing $49.9M20%Noninterest $12.3MQ1 2001Q1 2002

NIM

8.07%Q1 ’016.60%Q1 ’02+5%

Non-interest income vs. expense

4.98%Q1 ’014.21%Q1 ’02-19%

Executive Summary

  • Earnings: ROA of 0.49%, up 121 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 97.42% of deposits as of Q1 2002.

Financial Results

Return on Assets (quarter, annualized)

0.49%+121 bps YoY

Net Interest Margin (quarter, annualized)

4.08%+19 bps YoY

Efficiency Ratio (quarter, annualized)

90.10%-2,237 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets-0.72%0.03%0.11%0.95%0.49%+121 bps
Return on Equityn/a0.22%0.95%7.90%4.19%n/a
Net Interest Margin3.89%4.00%4.39%4.36%4.08%+19 bps
Efficiency Ratio112.47%96.82%95.53%65.39%90.10%-2,237 bps
Non-Interest Burden4.44%3.85%4.16%2.63%3.61%-83 bps
Growth
Asset Growth (YoY)-5.40%-7.90%-6.34%2.73%-1.81%+359 bps
Loan Growth (YoY)6.41%10.14%13.34%19.75%16.89%+1,048 bps
Deposit Growth (YoY)-26.91%-25.40%6.29%13.94%11.38%+3,829 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.00%-0.16%-0.05%-0.01%-10 bps
Allowance / Loans0.78%0.76%0.81%1.09%1.07%+29 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 Capital16.87%16.46%16.26%15.37%16.16%-70 bps
Equity / Assets11.44%11.65%12.51%11.49%11.93%+49 bps
Liquidity & Funding
Loans / Deposits92.83%92.77%92.20%94.91%97.42%+459 bps
Liquid Assets / Assets2.18%0.31%1.61%3.66%0.02%-216 bps
CRE / Total Capitaln/an/an/an/an/an/an/a