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Firstcapital Bank, SSB

Victoria, TX · Cert 30448

FDIC

Q4 2004

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: Q4 2004, the quarter ended December 31, 2004, 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

Firstcapital Bank, SSB

Victoria, TX · Cert 30448

FDIC

Q4 2004

$760.6MAssets
$499.0MLoans
$633.7MDeposits
$83.5MEquity
Loan mix
40%RE $89.8M59%C&I $131.9M1%Consumer $1.4MQ4 2003Q4 2004
Deposit mix
95%Interest-bearing $602.3M5%Noninterest $31.3MQ4 2003Q4 2004

NIM

5.44%Q4 ’024.79%Q4 ’034.70%Q4 ’040%+3%

Non-interest income vs. expense

3.50%Q4 ’023.64%Q4 ’033.61%Q4 ’04-3%+7%

Executive Summary

  • Earnings: ROA of 0.69%, up 11 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 78.75% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

0.69%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+9 bps YoY

Efficiency Ratio (YTD, annualized)

79.16%+97 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.58%0.41%0.55%0.63%0.69%+11 bps
Return on Equity5.62%3.93%5.23%6.05%6.53%+90 bps
Net Interest Margin3.31%3.41%3.33%3.35%3.40%+9 bps
Efficiency Ratio78.19%83.72%83.28%80.37%79.16%+97 bps
Non-Interest Burden2.30%2.68%2.60%2.47%2.45%+15 bps
Growth
Asset Growth (YoY)0.07%1.34%4.08%0.94%0.36%+29 bps
Loan Growth (YoY)2.27%-0.44%0.13%2.21%-5.14%-741 bps
Deposit Growth (YoY)0.11%-0.33%-1.14%-2.75%-3.38%-349 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.15%0.16%0.10%0.10%0 bps
Allowance / Loans1.01%1.03%0.99%1.00%1.02%+1 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 Capital10.80%10.96%11.04%11.32%12.09%+129 bps
Equity / Assets10.46%10.64%10.19%10.66%10.98%+52 bps
Liquidity & Funding
Loans / Deposits80.21%80.27%79.80%80.67%78.75%-146 bps
Liquid Assets / Assets0.04%0.04%0.04%0.07%0.09%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a