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Del Rio National Bank

Del Rio, TX · Cert 3171

FDIC

Q3 2001

$141.3MAssets
$71.9MLoans
$129.1MDeposits
$11.7MEquity
Loan mix
28%RE $15.2M70%C&I $37.8M1%Consumer $0.7MQ3 2000Q3 2001
Deposit mix
81%Interest-bearing $105.0M19%Noninterest $24.1MQ3 2000Q3 2001

NIM

6.91%Q1 ’016.60%Q2 ’016.47%Q3 ’01-1%+1%

Non-interest income vs. expense

2.94%Q1 ’012.86%Q2 ’012.89%Q3 ’01-2%+1%

Executive Summary

  • Earnings: ROA of 1.37%, down 27 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 55.74% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.37%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.83%

Efficiency Ratio (YTD, annualized)

59.88%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.64%1.48%1.32%1.38%1.37%-27 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.83%3.79%3.83%n/a
Efficiency Ration/an/a60.68%59.98%59.88%n/a
Non-Interest Burdenn/an/a1.92%1.88%1.89%n/a
Growth
Asset Growth (YoY)0.20%4.08%7.42%5.97%4.89%+469 bps
Loan Growth (YoY)13.53%13.78%17.88%20.70%16.78%+325 bps
Deposit Growth (YoY)-0.41%3.41%6.30%5.21%4.27%+468 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.11%0.05%0.12%n/a
Allowance / Loansn/an/a0.61%0.58%0.58%n/a
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 Capitaln/an/a22.55%23.18%22.94%n/a
Equity / Assetsn/an/a7.82%8.10%8.31%n/a
Liquidity & Funding
Loans / Deposits49.77%50.77%50.74%54.87%55.74%+597 bps
Liquid Assets / Assets0.00%0.00%9.42%9.62%9.53%+953 bps
CRE / Total Capitaln/an/an/an/an/an/an/a