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Balcones Bank, State Savings Bank

San Marcos, TX · Cert 32004

FDIC

Q3 2005

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: Q3 2005, the quarter ended September 30, 2005, 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

Balcones Bank, State Savings Bank

San Marcos, TX · Cert 32004

FDIC

Q3 2005

$103.4MAssets
$56.9MLoans
$66.1MDeposits
$8.7MEquity
Deposit mix
81%Interest-bearing $53.4M19%Noninterest $12.7MQ3 2004Q3 2005

NIM

4.76%Q3 ’034.51%Q3 ’045.00%Q3 ’05-1%+1%

Non-interest income vs. expense

3.10%Q3 ’033.42%Q3 ’043.49%Q3 ’05+10%+5%

Executive Summary

  • Earnings: ROA of 0.66%, down 32 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 86.07% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.66%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+2 bps YoY

Efficiency Ratio (YTD, annualized)

84.14%+240 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.97%0.89%0.75%0.60%0.66%-32 bps
Return on Equity13.16%11.97%9.95%7.77%8.36%-480 bps
Net Interest Margin3.35%3.22%3.14%3.25%3.37%+2 bps
Efficiency Ratio81.73%82.13%79.50%83.90%84.14%+240 bps
Non-Interest Burden2.59%2.50%2.34%2.60%2.71%+12 bps
Growth
Asset Growth (YoY)-1.44%2.04%1.27%-2.70%-5.20%-376 bps
Loan Growth (YoY)5.95%3.41%3.43%2.94%-2.56%-851 bps
Deposit Growth (YoY)4.22%4.60%7.50%3.94%8.43%+422 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.08%0.05%+5 bps
Allowance / Loans0.87%0.87%0.90%0.87%0.84%-3 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 Capital16.28%15.25%15.20%16.83%17.62%+134 bps
Equity / Assets7.55%7.50%7.55%8.03%8.44%+89 bps
Liquidity & Funding
Loans / Deposits95.78%95.75%91.93%92.85%86.07%-971 bps
Liquid Assets / Assets3.56%3.67%5.62%4.36%4.96%+140 bps
CRE / Total Capitaln/an/an/an/an/an/an/a