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Mauriceville National Bank

Mauriceville, TX · Cert 26729

FDIC

Q3 2004

$41.2MAssets
$20.6MLoans
$33.4MDeposits
$5.7MEquity
Deposit mix
76%Interest-bearing $25.4M24%Noninterest $8.0MQ3 2003Q3 2004

NIM

7.21%Q3 ’024.29%Q3 ’034.69%Q3 ’04-29%+9%

Non-interest income vs. expense

5.71%Q3 ’024.45%Q3 ’035.19%Q3 ’04-23%+6%

Executive Summary

  • Earnings: ROA of 0.26%, down 30 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 61.53% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

0.26%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+31 bps YoY

Efficiency Ratio (YTD, annualized)

73.42%-1,149 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 Assets0.56%0.34%-0.11%0.07%0.26%-30 bps
Return on Equity3.70%2.20%-0.71%0.50%1.80%-190 bps
Net Interest Margin3.65%3.91%4.14%3.97%3.97%+31 bps
Efficiency Ratio84.92%83.81%77.96%75.10%73.42%-1,149 bps
Non-Interest Burden2.86%3.22%3.57%3.23%3.04%+17 bps
Growth
Asset Growth (YoY)12.18%18.54%18.20%26.45%18.79%+661 bps
Loan Growth (YoY)-8.56%-2.04%10.19%23.44%9.43%+1,799 bps
Deposit Growth (YoY)3.77%11.18%13.96%24.57%15.35%+1,158 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.39%1.30%0.64%0.50%0.54%-85 bps
Allowance / Loans1.31%1.26%1.25%1.15%1.07%-24 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 Capital12.95%13.10%13.84%13.12%13.52%+57 bps
Equity / Assets16.29%15.73%14.51%13.39%13.81%-248 bps
Liquidity & Funding
Loans / Deposits64.86%63.89%61.68%61.19%61.53%-333 bps
Liquid Assets / Assets1.15%0.56%0.51%0.48%0.49%-67 bps
CRE / Total Capitaln/an/an/an/an/an/an/a