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Letter portraitLegal landscapeQuarterYTD

City National Bank of Mineral Wells, The

Mineral Wells, TX · Cert 3348

FDIC

Q3 2012

$215.5MAssets
$115.9MLoans
$175.2MDeposits
$26.3MEquity
Loan mix
86%RE $92.4M4%C&I $4.8M10%Consumer $10.4MQ3 2011Q3 2012
Deposit mix
66%Interest-bearing $116.3M34%Noninterest $58.8MQ3 2011Q3 2012

NIM

5.45%Q3 ’105.03%Q3 ’114.39%Q3 ’12-2%-11%

Non-interest income vs. expense

2.48%Q3 ’102.59%Q3 ’112.16%Q3 ’12+8%-17%

Executive Summary

  • Earnings: ROA of 2.07%, down 3 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 66.15% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

2.07%-3 bps YoY

Net Interest Margin (quarter, annualized)

4.27%-52 bps YoY

Efficiency Ratio (quarter, annualized)

43.00%-256 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets2.09%2.03%2.19%2.03%2.07%-3 bps
Return on Equity18.66%17.45%18.96%17.44%17.16%-150 bps
Net Interest Margin4.78%4.64%4.42%4.42%4.27%-52 bps
Efficiency Ratio45.57%43.09%40.06%40.61%43.00%-256 bps
Non-Interest Burden1.69%1.55%1.34%1.37%1.40%-29 bps
Growth
Asset Growth (YoY)6.30%4.13%8.10%3.30%6.35%+5 bps
Loan Growth (YoY)2.34%-2.64%-1.81%-2.25%4.65%+231 bps
Deposit Growth (YoY)6.57%3.47%8.45%3.39%9.82%+325 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.61%0.08%0.11%0.15%+15 bps
Allowance / Loans2.10%2.01%2.00%2.00%1.90%-20 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 Capital14.67%15.35%15.61%16.38%16.95%+229 bps
Equity / Assets11.59%11.71%11.35%11.91%12.18%+59 bps
Liquidity & Funding
Loans / Deposits69.41%68.31%63.21%65.38%66.15%-327 bps
Liquid Assets / Assets4.58%5.53%7.75%5.95%7.60%+302 bps
CRE / Total Capitaln/an/an/an/an/an/an/a