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Liberty National Bank

Granbury, TX · Cert 34320

FDIC

Q3 2012

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: Q3 2012, the quarter ended September 30, 2012, 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

Liberty National Bank

Granbury, TX · Cert 34320

FDIC

Q3 2012

$376.1MAssets
$220.1MLoans
$322.5MDeposits
$46.4MEquity
Loan mix
72%RE $136.8M15%C&I $28.9M13%Consumer $25.2MQ3 2011Q3 2012
Deposit mix
62%Interest-bearing $201.5M38%Noninterest $121.0MQ3 2011Q3 2012

NIM

4.77%Q3 ’104.54%Q3 ’114.13%Q3 ’12+1%-8%

Non-interest income vs. expense

3.02%Q3 ’102.87%Q3 ’112.59%Q3 ’12+1%-14%

Executive Summary

  • Earnings: ROA of 1.81%, down 5 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 68.24% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

1.81%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-33 bps YoY

Efficiency Ratio (YTD, annualized)

50.33%-129 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.86%1.84%1.83%1.72%1.81%-5 bps
Return on Equity14.13%14.07%14.66%13.86%14.59%+47 bps
Net Interest Margin4.34%4.23%4.24%4.09%4.00%-33 bps
Efficiency Ratio51.62%51.62%49.72%52.10%50.33%-129 bps
Non-Interest Burden1.67%1.64%1.49%1.58%1.45%-23 bps
Growth
Asset Growth (YoY)4.12%7.65%12.40%11.20%7.46%+334 bps
Loan Growth (YoY)14.75%17.39%14.47%10.25%6.00%-875 bps
Deposit Growth (YoY)6.81%8.70%13.48%11.54%8.42%+161 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.12%-0.04%0.53%0.36%0.17%+29 bps
Allowance / Loans2.18%2.05%1.98%1.93%1.98%-20 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 Capital15.11%14.31%14.11%13.74%14.28%-83 bps
Equity / Assets13.20%12.82%12.23%12.12%12.34%-86 bps
Liquidity & Funding
Loans / Deposits69.80%70.64%67.27%68.68%68.24%-156 bps
Liquid Assets / Assets3.35%2.49%5.18%4.77%5.44%+209 bps
CRE / Total Capitaln/an/an/an/an/an/an/a