PackageTrendsPeer
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First Texas Bank

Belton, TX · Cert 3100

FDIC

Q2 2009

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: Q2 2009, the quarter ended June 30, 2009, 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

First Texas Bank

Belton, TX · Cert 3100

FDIC

Q2 2009

$67.4MAssets
$39.9MLoans
$60.5MDeposits
$6.5MEquity
Deposit mix
77%Interest-bearing $46.7M23%Noninterest $13.8MQ2 2008Q2 2009

NIM

6.99%Q2 ’076.27%Q2 ’084.39%Q2 ’09-6%-25%

Non-interest income vs. expense

3.93%Q2 ’074.13%Q2 ’084.46%Q2 ’09+9%+8%

Executive Summary

  • Earnings: ROA of -0.06%, down 118 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.71%.
  • Funding: loans stand at 65.95% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-0.06%-118 bps YoY

Net Interest Margin (YTD, annualized)

3.87%-128 bps YoY

Efficiency Ratio (YTD, annualized)

95.71%+2,568 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets1.12%1.10%0.40%0.20%-0.06%-118 bps
Return on Equity11.21%10.93%4.01%2.09%-0.68%-1,189 bps
Net Interest Margin5.15%4.95%4.88%3.75%3.87%-128 bps
Efficiency Ratio70.03%70.88%73.82%92.00%95.71%+2,568 bps
Non-Interest Burden3.38%3.30%3.43%3.39%3.67%+29 bps
Growth
Asset Growth (YoY)3.75%4.44%-3.85%9.14%0.89%-286 bps
Loan Growth (YoY)12.54%7.95%4.54%3.17%-9.43%-2,198 bps
Deposit Growth (YoY)3.74%4.51%-4.07%10.63%1.23%-251 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.11%1.14%0.31%0.71%+67 bps
Allowance / Loans0.59%0.52%0.79%0.74%0.80%+22 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 Capital15.31%15.43%15.44%15.40%16.25%+95 bps
Equity / Assets9.96%10.32%9.81%9.32%9.60%-36 bps
Liquidity & Funding
Loans / Deposits73.72%76.14%73.51%70.47%65.95%-777 bps
Liquid Assets / Assets14.37%13.97%21.04%24.55%27.21%+1,284 bps
CRE / Total Capitaln/an/an/an/an/an/an/a