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First Coleman National Bank

Coleman, TX · Cert 3143

FDIC

Q3 2010

$60.3MAssets
$52.9MLoans
$53.6MDeposits
$6.6MEquity
Deposit mix
70%Interest-bearing $37.7M30%Noninterest $15.9MQ3 2009Q3 2010

NIM

6.90%Q3 ’085.72%Q3 ’095.44%Q3 ’10-8%-1%

Non-interest income vs. expense

2.76%Q3 ’082.77%Q3 ’092.71%Q3 ’10+10%+2%

Executive Summary

  • Earnings: ROA of 3.08%, down 5 bps year over year; NIM at 4.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.23%.
  • Funding: loans stand at 98.81% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

3.08%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.83%-7 bps YoY

Efficiency Ratio (YTD, annualized)

47.18%+28 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets3.13%2.69%3.26%3.20%3.08%-5 bps
Return on Equity29.45%25.63%31.04%30.20%28.83%-63 bps
Net Interest Margin4.90%4.81%4.95%4.82%4.83%-7 bps
Efficiency Ratio46.90%44.88%45.18%45.96%47.18%+28 bps
Non-Interest Burden1.76%1.62%1.67%1.68%1.80%+3 bps
Growth
Asset Growth (YoY)5.58%5.33%0.87%4.33%5.58%-1 bps
Loan Growth (YoY)1.96%1.09%-2.76%2.92%1.44%-51 bps
Deposit Growth (YoY)4.35%5.35%0.29%4.23%6.21%+186 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.89%-0.03%-0.35%-0.23%-22 bps
Allowance / Loans1.33%0.97%1.02%1.18%1.18%-15 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 Capital12.89%11.47%12.76%12.84%13.63%+75 bps
Equity / Assets11.50%10.02%11.02%10.76%11.01%-48 bps
Liquidity & Funding
Loans / Deposits103.45%101.15%99.66%99.98%98.81%-464 bps
Liquid Assets / Assets3.08%4.94%6.86%6.59%8.30%+522 bps
CRE / Total Capitaln/an/an/an/an/an/an/a