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Letter portraitLegal landscapeQuarterYTD

Oaks Bank & Trust Company, The

Dallas, TX · Cert 26264

FDIC

Q3 2005

$152.8MAssets
$75.7MLoans
$117.7MDeposits
$34.6MEquity
Deposit mix
51%Interest-bearing $60.5M49%Noninterest $57.3MQ3 2004Q3 2005

NIM

5.45%Q3 ’035.53%Q3 ’047.80%Q3 ’05+2%+39%

Non-interest income vs. expense

4.60%Q3 ’034.08%Q3 ’049.47%Q3 ’05-1%+204%

Executive Summary

  • Earnings: ROA of -0.75%, down 221 bps year over year; NIM at 7.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.57%.
  • Funding: loans stand at 64.27% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

-0.75%-221 bps YoY

Net Interest Margin (quarter, annualized)

7.11%+200 bps YoY

Efficiency Ratio (quarter, annualized)

110.96%+4,861 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.47%1.47%1.16%1.78%-0.75%-221 bps
Return on Equity15.31%15.30%11.76%17.60%-4.27%-1,958 bps
Net Interest Margin5.11%5.05%5.35%5.74%7.11%+200 bps
Efficiency Ratio62.36%61.00%62.03%58.16%110.96%+4,861 bps
Non-Interest Burden2.65%2.58%2.84%2.76%8.05%+540 bps
Growth
Asset Growth (YoY)21.39%15.69%6.93%2.38%38.32%+1,693 bps
Loan Growth (YoY)20.38%14.08%16.69%13.47%11.41%-897 bps
Deposit Growth (YoY)23.51%16.95%6.89%1.63%18.37%-513 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.00%0.75%0.01%0.57%+51 bps
Allowance / Loans1.03%1.00%0.97%0.98%1.01%-2 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 Capital14.96%14.33%14.36%14.95%12.94%-201 bps
Equity / Assets9.42%9.76%10.04%10.15%22.67%+1,325 bps
Liquidity & Funding
Loans / Deposits68.29%75.13%82.06%81.56%64.27%-402 bps
Liquid Assets / Assets4.99%5.08%6.13%6.05%0.00%-499 bps
CRE / Total Capitaln/an/an/an/an/an/an/a