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Colorado Valley Bank

La Grange, TX · Cert 26424

FDIC

Q2 2012

$27.7MAssets
$20.0MLoans
$23.6MDeposits
$1.6MEquity
Loan mix
70%RE $13.9M21%C&I $4.1M9%Consumer $1.8MQ2 2011Q2 2012
Deposit mix
84%Interest-bearing $19.7M16%Noninterest $3.8MQ2 2011Q2 2012

NIM

5.04%Q2 ’104.71%Q2 ’114.93%Q2 ’12+7%+12%

Non-interest income vs. expense

5.83%Q2 ’106.65%Q2 ’114.88%Q2 ’12+16%-27%

Executive Summary

  • Earnings: ROA of -0.90%, up 209 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 84.90% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

-0.90%+209 bps YoY

Net Interest Margin (quarter, annualized)

3.80%+41 bps YoY

Efficiency Ratio (quarter, annualized)

122.18%-5,996 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-2.99%-2.36%-1.66%-1.25%-0.90%+209 bps
Return on Equity-49.55%-35.64%-26.33%-21.19%-15.36%+3,419 bps
Net Interest Margin3.39%3.56%3.97%4.01%3.80%+41 bps
Efficiency Ratio182.14%163.36%139.74%129.18%122.18%-5,996 bps
Non-Interest Burden6.39%5.96%5.62%5.24%4.69%-171 bps
Growth
Asset Growth (YoY)2.71%-4.74%7.98%4.83%-1.73%-444 bps
Loan Growth (YoY)2.21%33.96%56.34%26.15%18.04%+1,583 bps
Deposit Growth (YoY)1.25%-8.43%7.13%4.80%0.68%-57 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.00%-0.02%-0.02%0.00%-7 bps
Allowance / Loans0.73%0.59%0.56%0.65%0.64%-9 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 Capital12.15%11.23%9.81%9.34%8.94%-321 bps
Equity / Assets6.53%6.71%5.92%5.86%5.80%-73 bps
Liquidity & Funding
Loans / Deposits72.41%90.48%88.13%80.93%84.90%+1,249 bps
Liquid Assets / Assets19.74%17.44%18.19%15.09%16.84%-290 bps
CRE / Total Capitaln/an/an/an/an/an/an/a