PackageTrendsPeer
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First Citizens Bank, National Association

Dallas, TX · Cert 34196

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 Citizens Bank, National Association

Dallas, TX · Cert 34196

FDIC

Q2 2011

$205.0MAssets
$89.2MLoans
$154.7MDeposits
$9.5MEquity
Loan mix
77%RE $59.1M23%C&I $17.5M1%Consumer $0.5MQ2 2010Q2 2011
Deposit mix
90%Interest-bearing $138.9M10%Noninterest $15.8MQ2 2010Q2 2011

NIM

4.95%Q2 ’094.62%Q2 ’103.45%Q2 ’11-1%-41%

Non-interest income vs. expense

3.17%Q2 ’093.38%Q2 ’103.30%Q2 ’11-1%+33%

Executive Summary

  • Earnings: ROA of -2.97%, down 209 bps year over year; NIM at 1.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.73%.
  • Funding: loans stand at 57.68% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.97%-209 bps YoY

Net Interest Margin (YTD, annualized)

1.51%-103 bps YoY

Efficiency Ratio (YTD, annualized)

1078%+94,398 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-0.88%-0.51%-0.93%-3.49%-2.97%-209 bps
Return on Equity-17.02%-9.56%-17.16%-64.14%-57.31%-4,028 bps
Net Interest Margin2.54%2.64%2.60%1.64%1.51%-103 bps
Efficiency Ratio133.66%151.21%174.17%n/a1078%+94,398 bps
Non-Interest Burden3.39%3.87%4.26%5.13%4.50%+111 bps
Growth
Asset Growth (YoY)-22.49%-32.27%-35.28%-30.69%-25.74%-325 bps
Loan Growth (YoY)-40.93%-47.13%-48.59%-42.27%-41.11%-18 bps
Deposit Growth (YoY)-25.96%-35.25%-32.69%-25.25%-17.15%+882 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.61%4.42%4.60%4.05%2.73%-188 bps
Allowance / Loans3.05%3.54%3.25%2.48%2.54%-51 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 Capital9.45%11.19%11.23%10.63%10.54%+109 bps
Equity / Assets5.51%5.85%5.83%5.06%4.66%-85 bps
Liquidity & Funding
Loans / Deposits81.15%75.53%70.38%64.88%57.68%-2,347 bps
Liquid Assets / Assets9.86%14.00%13.84%19.72%37.52%+2,767 bps
CRE / Total Capitaln/an/an/an/an/an/an/a