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First National Bank of Bridgeport, The

Bridgeport, TX · Cert 3114

FDIC

Q3 2012

$333.2MAssets
$215.6MLoans
$282.3MDeposits
$41.8MEquity
Loan mix
78%RE $143.2M13%C&I $24.3M8%Consumer $15.4MQ4 2010Q3 2012
Deposit mix
69%Interest-bearing $194.3M31%Noninterest $88.0MQ4 2010Q3 2012

Executive Summary

  • Earnings: ROA of 1.30%, down 17 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.43%.
  • Funding: loans stand at 76.38% of deposits as of Q3 2012.

Return on Assets (YTD, annualized)

1.30%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-2 bps YoY

Efficiency Ratio (YTD, annualized)

62.73%+629 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.59%Q3 ’104.42%Q3 ’114.26%Q3 ’12+2%0%

Non-interest income vs. expense

3.23%Q3 ’103.12%Q3 ’113.21%Q3 ’12-12%+21%

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.68%1.39%1.36%1.47%1.45%1.08%1.21%1.30%-17 bps
Return on Equity11.87%10.51%10.44%11.37%11.17%8.45%9.51%10.26%-111 bps
Net Interest Margin3.97%4.24%4.18%4.12%4.08%4.19%4.12%4.10%-2 bps
Efficiency Ratio60.30%58.65%59.04%56.44%57.52%67.58%65.08%62.73%+629 bps
Non-Interest Burden2.10%2.07%2.10%1.85%1.93%2.54%2.38%2.24%+40 bps
Growth
Asset Growth (YoY)9.27%15.84%15.54%16.46%9.92%7.28%6.15%1.99%-1,446 bps
Loan Growth (YoY)2.63%10.68%23.17%25.77%18.08%16.40%13.67%11.96%-1,381 bps
Deposit Growth (YoY)12.66%19.19%18.17%19.10%13.29%7.32%5.11%2.82%-1,628 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%-0.21%0.04%0.21%0.14%0.68%0.35%0.43%+23 bps
Allowance / Loans2.65%2.62%2.48%2.41%2.44%2.20%2.11%1.93%-47 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.45%15.62%15.32%15.02%15.33%14.63%14.38%14.41%-61 bps
Equity / Assets13.47%12.97%12.71%12.58%13.01%12.63%12.42%12.55%-3 bps
Liquidity & Funding
Loans / Deposits68.25%68.21%69.62%70.14%71.14%73.98%75.29%76.38%+624 bps
Liquid Assets / Assets5.08%5.58%6.10%6.61%5.65%2.01%3.43%0.84%-576 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a