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First International Bank

Plano, TX · Cert 33513

FDIC

Q2 2011

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: Q2 2011, the quarter ended June 30, 2011, 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

First International Bank

Plano, TX · Cert 33513

FDIC

Q2 2011

$239.9MAssets
$189.0MLoans
$208.8MDeposits
$6.6MEquity
Loan mix
86%RE $96.1M13%C&I $14.8M1%Consumer $0.6MQ2 2010Q2 2011
Deposit mix
91%Interest-bearing $189.9M9%Noninterest $18.9MQ2 2010Q2 2011

NIM

5.35%Q2 ’094.59%Q2 ’104.28%Q2 ’11+1%-5%

Non-interest income vs. expense

3.05%Q2 ’093.41%Q2 ’105.32%Q2 ’11+24%+76%

Executive Summary

  • Earnings: ROA of -2.47%, up 193 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.17%.
  • Funding: loans stand at 90.52% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.47%+193 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-16 bps YoY

Efficiency Ratio (YTD, annualized)

201%+10,043 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-4.40%-7.89%-6.69%-4.07%-2.47%+193 bps
Return on Equity-60.51%-123.25%-115.70%-158.95%-94.52%-3,401 bps
Net Interest Margin3.27%3.25%3.15%2.87%3.12%-16 bps
Efficiency Ratio100.30%102.71%123.18%627%201%+10,043 bps
Non-Interest Burden3.28%3.35%3.87%6.81%5.79%+250 bps
Growth
Asset Growth (YoY)-8.82%-21.17%-19.52%-20.70%-38.25%-2,943 bps
Loan Growth (YoY)-14.49%-18.19%-22.93%-23.89%-36.82%-2,234 bps
Deposit Growth (YoY)-4.13%-14.47%-6.76%-12.10%-33.70%-2,957 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.77%4.54%5.27%-0.33%-0.17%-194 bps
Allowance / Loans3.63%6.68%5.53%6.00%7.63%+400 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 Capital9.64%5.65%4.99%4.05%4.59%-506 bps
Equity / Assets6.90%3.46%2.93%2.17%2.76%-414 bps
Liquidity & Funding
Loans / Deposits95.00%90.12%87.57%87.95%90.52%-448 bps
Liquid Assets / Assets12.67%13.66%15.83%15.04%11.23%-143 bps
CRE / Total Capitaln/an/an/an/an/an/an/a