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Letter portraitLegal landscapeQuarterYTD

Community Bank of Central Texas, SSB

Smithville, TX · Cert 29079

FDIC

Q2 2002

$33.9MAssets
$19.7MLoans
$26.7MDeposits
$4.8MEquity
Deposit mix
93%Interest-bearing $24.9M7%Noninterest $1.9MQ2 2001Q2 2002

NIM

7.60%Q1 ’017.43%Q2 ’016.73%Q2 ’02-3%+26%

Non-interest income vs. expense

2.85%Q1 ’012.79%Q2 ’013.37%Q2 ’02+2%+17%

Executive Summary

  • Earnings: ROA of 1.10%, up 12 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 73.49% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

1.10%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+87 bps YoY

Efficiency Ratio (YTD, annualized)

66.75%-344 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.98%1.00%0.87%0.95%1.10%+12 bps
Return on Equityn/an/an/a7.35%8.28%n/a
Net Interest Margin3.40%3.48%3.55%4.20%4.27%+87 bps
Efficiency Ratio70.18%70.50%73.54%69.83%66.75%-344 bps
Non-Interest Burden2.21%2.28%2.45%2.76%2.59%+38 bps
Growth
Asset Growth (YoY)-6.31%-8.50%-3.85%-5.17%-5.50%+81 bps
Loan Growth (YoY)-10.70%-9.56%-8.63%-1.97%-2.26%+845 bps
Deposit Growth (YoY)-7.38%-6.53%-0.34%-0.73%-1.34%+604 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.05%0.03%0.00%0.06%+8 bps
Allowance / Loans1.23%1.23%1.27%1.24%1.28%+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 Capital25.47%25.68%25.10%25.29%26.57%+111 bps
Equity / Assets12.29%12.68%12.52%13.47%14.05%+176 bps
Liquidity & Funding
Loans / Deposits74.18%74.23%73.70%76.93%73.49%-69 bps
Liquid Assets / Assets15.31%15.66%11.80%8.24%12.27%-303 bps
CRE / Total Capitaln/an/an/an/an/an/an/a