Del Rio National Bank

Del Rio, TX · Cert 3171

FDIC

Q3 2001

$141.3MAssets

$71.9MLoans

$129.1MDeposits

$11.7MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.42%	1.51%	1.64%	1.64%	1.48%	1.32%	1.38%	1.37%	-27 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.83%	3.79%	3.83%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	60.68%	59.98%	59.88%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	1.92%	1.88%	1.89%	n/a
Growth
Asset Growth (YoY)	6.70%	5.32%	5.17%	0.20%	4.08%	7.42%	5.97%	4.89%	+469 bps
Loan Growth (YoY)	71.42%	65.42%	18.76%	13.53%	13.78%	17.88%	20.70%	16.78%	+325 bps
Deposit Growth (YoY)	7.64%	6.11%	5.21%	-0.41%	3.41%	6.30%	5.21%	4.27%	+468 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.11%	0.05%	0.12%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	0.61%	0.58%	0.58%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	22.55%	23.18%	22.94%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	7.82%	8.10%	8.31%	n/a
Liquidity & Funding
Loans / Deposits	46.14%	45.76%	47.83%	49.77%	50.77%	50.74%	54.87%	55.74%	+597 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	9.42%	9.62%	9.53%	+953 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a