PackageTrendsPeer
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Bank of Texas, The

Devine, TX · Cert 26905

FDIC

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Texas, The

Devine, TX · Cert 26905

FDIC

Q3 2011

$47.5MAssets
$26.8MLoans
$41.3MDeposits
$3.0MEquity
Loan mix
73%RE $19.0M19%C&I $5.1M7%Consumer $1.9MQ3 2010Q3 2011
Deposit mix
32%Interest-bearing $13.4M68%Noninterest $27.9MQ3 2010Q3 2011

NIM

4.99%Q3 ’094.61%Q3 ’103.95%Q3 ’11+1%-4%

Non-interest income vs. expense

4.98%Q3 ’096.03%Q3 ’109.11%Q3 ’11+36%+51%

Executive Summary

  • Earnings: ROA of -4.94%, down 253 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.04%.
  • Funding: loans stand at 64.78% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-4.94%-253 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-16 bps YoY

Efficiency Ratio (YTD, annualized)

196.96%+5,858 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-2.41%-2.20%-2.04%-1.39%-4.94%-253 bps
Return on Equity-24.17%-22.29%-21.99%-15.22%-58.47%-3,430 bps
Net Interest Margin3.51%3.67%3.39%3.38%3.36%-16 bps
Efficiency Ratio138.38%137.14%120.93%118.23%196.96%+5,858 bps
Non-Interest Burden5.19%5.39%4.39%4.26%7.85%+266 bps
Growth
Asset Growth (YoY)-16.64%-12.79%-15.24%-9.66%-9.52%+711 bps
Loan Growth (YoY)-30.27%-28.93%-30.36%-18.14%-12.00%+1,826 bps
Deposit Growth (YoY)-8.45%-2.84%-5.30%1.56%-8.46%-1 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.67%1.34%2.26%1.46%1.04%-63 bps
Allowance / Loans1.74%1.75%1.78%1.66%1.79%+4 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 Capital15.42%15.27%14.81%14.65%10.54%-489 bps
Equity / Assets9.60%9.44%9.15%8.78%6.29%-331 bps
Liquidity & Funding
Loans / Deposits67.39%67.60%64.70%61.85%64.78%-261 bps
Liquid Assets / Assets22.92%19.65%20.87%22.84%18.72%-420 bps
CRE / Total Capitaln/an/an/an/an/an/an/a