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Cattleman's National Bank

Round Mountain, TX · Cert 26688

FDIC

Q3 2012

$81.3MAssets
$45.3MLoans
$75.3MDeposits
$5.9MEquity
Loan mix
81%RE $30.8M14%C&I $5.4M4%Consumer $1.7MQ3 2011Q3 2012
Deposit mix
76%Interest-bearing $57.0M24%Noninterest $18.3MQ3 2011Q3 2012

NIM

4.34%Q3 ’103.58%Q3 ’113.39%Q3 ’12-12%-3%

Non-interest income vs. expense

4.35%Q3 ’104.12%Q3 ’113.80%Q3 ’12-4%+1%

Executive Summary

  • Earnings: ROA of -0.15%, down 14 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 60.21% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.15%-14 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-8 bps YoY

Efficiency Ratio (YTD, annualized)

107.18%+367 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.01%-0.09%0.23%0.09%-0.15%-14 bps
Return on Equity-0.06%-1.19%3.14%1.28%-2.01%-194 bps
Net Interest Margin3.06%2.97%2.90%2.84%2.98%-8 bps
Efficiency Ratio103.51%105.46%91.40%96.93%107.18%+367 bps
Non-Interest Burden3.20%3.18%2.58%2.72%3.23%+4 bps
Growth
Asset Growth (YoY)6.30%9.23%9.86%4.37%0.51%-579 bps
Loan Growth (YoY)-14.22%-6.51%-0.81%3.32%4.82%+1,904 bps
Deposit Growth (YoY)6.95%10.27%10.89%5.05%1.04%-590 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.85%0.41%0.27%+27 bps
Allowance / Loans1.76%1.71%1.54%1.48%1.48%-28 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 Capital14.42%14.82%14.72%14.21%14.25%-18 bps
Equity / Assets7.74%7.42%7.15%7.44%7.29%-44 bps
Liquidity & Funding
Loans / Deposits58.04%57.56%55.48%60.76%60.21%+217 bps
Liquid Assets / Assets38.23%37.16%41.01%36.47%37.33%-89 bps
CRE / Total Capitaln/an/an/an/an/an/an/a