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Graham National Bank

Graham, TX · Cert 33865

FDIC

Q3 2010

$113.3MAssets
$100.3MLoans
$101.6MDeposits
$11.5MEquity
Loan mix
70%RE $32.3M30%C&I $13.5M0%Consumer $0.0MQ3 2009Q3 2010
Deposit mix
75%Interest-bearing $76.3M25%Noninterest $25.3MQ3 2009Q3 2010

NIM

5.26%Q3 ’084.70%Q3 ’094.46%Q3 ’10-2%-5%

Non-interest income vs. expense

2.39%Q3 ’083.01%Q3 ’092.99%Q3 ’10+149%+9%

Executive Summary

  • Earnings: ROA of 1.76%, down 36 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 98.72% of deposits as of Q3 2010.

Financial Results

Return on Assets (quarter, annualized)

1.76%-36 bps YoY

Net Interest Margin (quarter, annualized)

3.79%-20 bps YoY

Efficiency Ratio (quarter, annualized)

63.10%+449 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets2.12%2.00%1.71%1.65%1.76%-36 bps
Return on Equity19.74%19.26%16.41%16.04%17.47%-227 bps
Net Interest Margin3.99%3.97%3.78%3.79%3.79%-20 bps
Efficiency Ratio58.61%50.19%64.22%65.50%63.10%+449 bps
Non-Interest Burden1.87%0.97%2.06%2.14%2.04%+17 bps
Growth
Asset Growth (YoY)-9.12%-2.80%-0.10%9.84%8.78%+1,790 bps
Loan Growth (YoY)-15.68%-11.55%2.55%22.64%11.05%+2,673 bps
Deposit Growth (YoY)-9.46%-1.84%-0.09%11.00%9.28%+1,874 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%1.72%0.00%0.02%0.00%0 bps
Allowance / Loans1.13%1.01%1.08%0.87%0.89%-24 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 Capital12.64%12.34%13.58%11.30%12.05%-59 bps
Equity / Assets10.58%10.23%10.61%10.03%10.18%-40 bps
Liquidity & Funding
Loans / Deposits97.15%94.46%88.71%103.48%98.72%+157 bps
Liquid Assets / Assets8.46%10.14%15.60%2.06%7.05%-141 bps
CRE / Total Capitaln/an/an/an/an/an/an/a