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Letter portraitLegal landscapeQuarterYTD

National Bank of Madisonville, The

Madisonville, TX · Cert 26580

FDIC

Q3 2004

$38.3MAssets
$19.1MLoans
$33.1MDeposits
$4.6MEquity
Deposit mix
75%Interest-bearing $24.9M25%Noninterest $8.3MQ3 2003Q3 2004

NIM

6.37%Q3 ’025.09%Q3 ’034.72%Q3 ’04-13%-3%

Non-interest income vs. expense

4.65%Q3 ’024.49%Q3 ’034.70%Q3 ’04+11%-7%

Executive Summary

  • Earnings: ROA of 0.35%, up 12 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.33%.
  • Funding: loans stand at 57.53% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

0.35%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-11 bps YoY

Efficiency Ratio (YTD, annualized)

87.30%-118 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.23%0.39%0.28%0.21%0.35%+12 bps
Return on Equity2.05%3.42%2.38%1.77%3.00%+95 bps
Net Interest Margin3.62%3.52%3.72%3.36%3.51%-11 bps
Efficiency Ratio88.48%89.63%92.42%93.42%87.30%-118 bps
Non-Interest Burden3.04%3.00%3.32%3.04%2.82%-21 bps
Growth
Asset Growth (YoY)-5.02%-2.18%-2.71%2.73%-2.05%+296 bps
Loan Growth (YoY)-10.67%-6.80%-4.87%2.66%2.93%+1,360 bps
Deposit Growth (YoY)-5.73%-2.89%-3.76%2.87%-3.14%+258 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.86%0.43%-0.15%0.17%0.33%-53 bps
Allowance / Loans1.63%1.49%1.54%1.46%1.38%-25 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 Capital21.00%20.74%21.06%20.32%20.69%-31 bps
Equity / Assets11.34%11.79%12.06%11.33%11.99%+65 bps
Liquidity & Funding
Loans / Deposits54.13%56.36%56.89%55.03%57.53%+339 bps
Liquid Assets / Assets1.28%1.31%1.33%0.00%0.00%-128 bps
CRE / Total Capitaln/an/an/an/an/an/an/a