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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 ’017.26%Q2 ’016.45%Q2 ’02-6%+28%

Non-interest income vs. expense

2.85%Q1 ’012.74%Q2 ’013.32%Q2 ’02+5%+3%

Executive Summary

  • Earnings: ROA of 1.27%, up 27 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 73.49% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

1.27%+27 bps YoY

Net Interest Margin (quarter, annualized)

4.22%+92 bps YoY

Efficiency Ratio (quarter, annualized)

63.84%-867 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.00%1.05%0.47%0.95%1.27%+27 bps
Return on Equity8.22%8.40%3.70%7.35%9.22%+100 bps
Net Interest Margin3.30%3.56%3.75%4.20%4.22%+92 bps
Efficiency Ratio72.51%71.12%81.86%69.83%63.84%-867 bps
Non-Interest Burden2.26%2.38%2.94%2.76%2.34%+7 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-0.04%0.20%-0.02%0.00%0.12%+16 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