East Texas National Bank of Palestine, The

Palestine, TX · Cert 3379

FDIC

Q2 2013

$165.0MAssets

$62.8MLoans

$141.5MDeposits

$23.0MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -0.66%, down 125 bps year over year; NIM at -1.46%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
Funding: loans stand at 44.38% of deposits as of Q2 2013.

Return on Assets (quarter, annualized)

-0.66%-125 bps YoY

Net Interest Margin (quarter, annualized)

-1.46%-438 bps YoY

Efficiency Ratio (quarter, annualized)

112.47%+3,269 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2012	Q3 2012	Q4 2012	Q1 2013	Q2 2013	YoY Δ	Trend
Earnings
Return on Assets	0.59%	0.59%	0.41%	0.61%	-0.66%	-125 bps
Return on Equity	7.98%	8.05%	5.61%	8.45%	-6.18%	-1,417 bps
Net Interest Margin	2.92%	2.81%	2.66%	2.48%	-1.46%	-438 bps
Efficiency Ratio	79.78%	79.46%	83.92%	81.30%	112.47%	+3,269 bps
Non-Interest Burden	2.16%	2.06%	2.09%	1.86%	-0.80%	-296 bps
Growth
Asset Growth (YoY)	6.65%	5.34%	8.22%	6.08%	13.09%	+643 bps
Loan Growth (YoY)	-0.81%	-0.79%	-4.62%	-5.77%	-6.74%	-593 bps
Deposit Growth (YoY)	6.85%	5.42%	8.36%	6.53%	4.88%	-197 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.18%	0.20%	0.06%	-0.03%	0.03%	-16 bps
Allowance / Loans	0.84%	0.90%	0.98%	1.02%	0.00%	-84 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	15.63%	15.98%	16.42%	17.05%	17.13%	+149 bps
Equity / Assets	7.29%	7.30%	7.16%	7.18%	13.92%	+663 bps
Liquidity & Funding
Loans / Deposits	49.92%	49.21%	47.19%	45.58%	44.38%	-553 bps
Liquid Assets / Assets	37.85%	37.65%	38.32%	41.28%	45.59%	+774 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a