PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Townbank, National Association

Mesquite, TX · Cert 34155

FDIC

Q2 2001

$79.5MAssets
$54.9MLoans
$68.9MDeposits
$7.2MEquity
Deposit mix
76%Interest-bearing $52.6M24%Noninterest $16.2MQ3 1999Q2 2001

Executive Summary

  • Earnings: ROA of 2.24%, up 8 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 79.70% of deposits as of Q2 2001.

Return on Assets (YTD, annualized)

2.24%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.62%

Efficiency Ratio (YTD, annualized)

65.94%

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.45%Q1 ’018.05%Q2 ’01-2%

Non-interest income vs. expense

3.46%Q1 ’013.46%Q2 ’01-2%

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets2.07%1.91%2.09%2.15%2.19%2.11%1.60%2.24%+8 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a4.71%4.62%n/a
Efficiency Ration/an/an/an/an/an/a65.61%65.94%n/a
Non-Interest Burdenn/an/an/an/an/an/a2.90%2.84%n/a
Growth
Asset Growth (YoY)22.04%22.67%14.33%16.08%17.71%19.46%23.39%18.27%+219 bps
Loan Growth (YoY)33.75%31.57%22.88%27.71%22.40%20.26%22.19%17.78%-993 bps
Deposit Growth (YoY)19.15%21.74%10.87%11.99%16.14%17.23%20.20%20.07%+808 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/a0.04%0.20%n/a
Allowance / Loansn/an/an/an/an/an/a1.23%1.20%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/a11.72%12.24%n/a
Equity / Assetsn/an/an/an/an/an/a8.94%8.99%n/a
Liquidity & Funding
Loans / Deposits71.21%75.25%75.19%81.25%75.05%77.20%76.43%79.70%-155 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a