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First National Bank of Hamilton

Hamilton, TX · Cert 3242

FDIC

Q3 2005

$35.8MAssets
$16.1MLoans
$32.7MDeposits
$3.0MEquity
Deposit mix
72%Interest-bearing $23.5M28%Noninterest $9.2MQ3 2004Q3 2005

NIM

4.41%Q3 ’034.18%Q3 ’044.52%Q3 ’05+2%+4%

Non-interest income vs. expense

3.70%Q3 ’033.69%Q3 ’043.37%Q3 ’05-5%-1%

Executive Summary

  • Earnings: ROA of 1.25%, up 8 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 49.34% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

1.25%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+13 bps YoY

Efficiency Ratio (YTD, annualized)

71.95%-406 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 Assets1.18%1.14%1.16%1.08%1.25%+8 bps
Return on Equity14.11%13.78%14.39%13.51%15.49%+138 bps
Net Interest Margin3.55%3.64%3.80%3.69%3.67%+13 bps
Efficiency Ratio76.02%75.18%72.69%74.88%71.95%-406 bps
Non-Interest Burden2.38%2.44%2.39%2.48%2.36%-2 bps
Growth
Asset Growth (YoY)2.27%-0.43%1.60%10.64%2.33%+6 bps
Loan Growth (YoY)-7.06%-1.33%-1.49%5.59%-2.99%+407 bps
Deposit Growth (YoY)2.71%-0.33%1.94%11.66%2.42%-28 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%0.47%1.13%0.31%0.17%+23 bps
Allowance / Loans1.38%1.05%0.89%1.04%1.16%-22 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 Capital17.31%15.73%16.30%16.37%17.92%+61 bps
Equity / Assets8.51%7.85%8.27%7.81%8.47%-5 bps
Liquidity & Funding
Loans / Deposits52.10%52.44%53.48%49.26%49.34%-275 bps
Liquid Assets / Assets29.71%31.83%31.48%23.12%21.12%-859 bps
CRE / Total Capitaln/an/an/an/an/an/an/a