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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

6.25%Q3 ’024.81%Q3 ’034.79%Q3 ’04-19%+5%

Non-interest income vs. expense

4.68%Q3 ’024.21%Q3 ’034.74%Q3 ’04-23%-13%

Executive Summary

  • Earnings: ROA of 0.64%, up 18 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.65%.
  • Funding: loans stand at 57.53% of deposits as of Q3 2004.

Financial Results

Return on Assets (quarter, annualized)

0.64%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.61%+18 bps YoY

Efficiency Ratio (quarter, annualized)

77.31%-551 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.45%0.87%0.28%0.13%0.64%+18 bps
Return on Equity3.97%7.51%2.38%1.15%5.46%+149 bps
Net Interest Margin3.43%3.36%3.72%3.15%3.61%+18 bps
Efficiency Ratio82.82%93.01%92.42%94.48%77.31%-551 bps
Non-Interest Burden2.56%3.00%3.32%2.89%2.22%-34 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 / Loans0.17%-0.81%-0.15%0.48%0.65%+48 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