PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northern Trust Bank of Texas N.A.

Dallas, TX · Cert 26436

FDIC

Q2 2006

$1.1BAssets
$989.7MLoans
$739.9MDeposits
$96.4MEquity
Loan mix
88%RE $743.0M12%C&I $104.3M0%Consumer $0.1MQ2 2005Q2 2006
Deposit mix
90%Interest-bearing $663.9M10%Noninterest $76.0MQ2 2005Q2 2006

NIM

4.19%Q2 ’044.56%Q2 ’055.26%Q2 ’06+2%+4%

Non-interest income vs. expense

3.06%Q2 ’043.09%Q2 ’053.28%Q2 ’06+3%+21%

Executive Summary

  • Earnings: ROA of 1.20%, down 9 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 133.75% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

1.20%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+13 bps YoY

Efficiency Ratio (YTD, annualized)

62.29%+361 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.28%1.31%1.32%1.12%1.20%-9 bps
Return on Equity13.48%13.60%13.80%11.93%12.86%-63 bps
Net Interest Margin3.07%3.20%3.20%3.24%3.20%+13 bps
Efficiency Ratio58.69%57.99%58.16%64.78%62.29%+361 bps
Non-Interest Burden1.04%1.07%1.08%1.41%1.25%+22 bps
Growth
Asset Growth (YoY)-1.86%2.65%1.37%0.76%6.05%+791 bps
Loan Growth (YoY)6.18%6.58%7.82%8.99%7.01%+82 bps
Deposit Growth (YoY)2.74%4.25%6.30%3.16%-0.53%-328 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.02%0.01%0 bps
Allowance / Loansn/an/an/an/an/an/a
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 Capital13.50%13.13%12.29%12.26%11.55%-195 bps
Equity / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits124.32%124.22%118.60%121.67%133.75%+943 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a