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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

4.33%Q3 ’103.49%Q3 ’113.41%Q3 ’12-15%+0%

Non-interest income vs. expense

4.28%Q3 ’103.66%Q3 ’113.94%Q3 ’12-17%+47%

Executive Summary

  • Earnings: ROA of -0.64%, down 85 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 60.21% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

-0.64%-85 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+1 bps YoY

Efficiency Ratio (quarter, annualized)

134.00%+4,106 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.21%-0.35%0.23%-0.04%-0.64%-85 bps
Return on Equity2.63%-4.56%3.14%-0.60%-8.71%-1,133 bps
Net Interest Margin3.01%3.04%2.90%2.83%3.02%+1 bps
Efficiency Ratio92.94%111.18%91.40%102.43%134.00%+4,106 bps
Non-Interest Burden2.73%3.48%2.58%2.92%4.02%+129 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%0.01%0.85%0.00%0.00%0 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