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Eagle National Bank

Dallas, TX · Cert 34265

FDIC

Q2 2002

$68.2MAssets
$59.6MLoans
$58.8MDeposits
$6.0MEquity
Loan mix
32%RE $7.3M68%C&I $15.6M1%Consumer $0.2MQ2 2001Q2 2002
Deposit mix
80%Interest-bearing $47.0M20%Noninterest $11.8MQ2 2001Q2 2002

NIM

9.13%Q1 ’018.94%Q2 ’017.70%Q2 ’02-3%+2%

Non-interest income vs. expense

4.10%Q1 ’014.03%Q2 ’013.72%Q2 ’02-2%-9%

Executive Summary

  • Earnings: ROA of 0.69%, up 17 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 101.44% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.69%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.59%+9 bps YoY

Efficiency Ratio (YTD, annualized)

73.30%-799 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.52%0.54%0.28%0.47%0.69%+17 bps
Return on Equityn/an/an/a5.32%7.75%n/a
Net Interest Margin4.50%4.20%3.91%4.24%4.59%+9 bps
Efficiency Ratio81.29%79.16%84.56%74.97%73.30%-799 bps
Non-Interest Burden3.57%3.24%3.27%3.06%3.24%-34 bps
Growth
Asset Growth (YoY)4.78%17.68%21.94%7.86%7.87%+309 bps
Loan Growth (YoY)21.06%21.76%20.73%25.58%21.69%+63 bps
Deposit Growth (YoY)5.01%19.99%27.00%9.14%3.56%-146 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.31%0.23%0.45%0.22%+22 bps
Allowance / Loans1.41%1.18%1.20%1.15%1.17%-23 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 Capital12.70%11.73%11.67%10.97%10.85%-185 bps
Equity / Assets9.52%8.98%8.82%8.92%8.80%-72 bps
Liquidity & Funding
Loans / Deposits86.33%88.87%89.61%96.79%101.44%+1,512 bps
Liquid Assets / Assets0.83%0.80%0.80%0.84%0.81%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a