PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National Fiduciary Services, NA

Houston, TX · Cert 34378

FDIC

Q2 2012

$1.6BAssets
$1.1BLoans
$1.2BDeposits
$188.3MEquity
Loan mix
71%RE $658.7M26%C&I $239.2M3%Consumer $28.8MQ2 2011Q2 2012
Deposit mix
64%Interest-bearing $777.7M36%Noninterest $442.9MQ2 2011Q2 2012

NIM

4.34%Q2 ’104.46%Q2 ’114.11%Q2 ’12+14%-2%

Non-interest income vs. expense

3.75%Q2 ’103.41%Q2 ’113.15%Q2 ’12-32%-15%

Executive Summary

  • Earnings: ROA of 0.90%, up 43 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 86.25% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

0.90%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-7 bps YoY

Efficiency Ratio (YTD, annualized)

67.64%-489 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.46%0.45%0.49%0.90%0.90%+43 bps
Return on Equity3.89%3.76%4.14%7.66%7.68%+379 bps
Net Interest Margin3.24%3.10%3.16%3.30%3.16%-7 bps
Efficiency Ratio72.53%74.01%72.70%66.68%67.64%-489 bps
Non-Interest Burden1.98%1.98%1.95%1.71%1.69%-29 bps
Growth
Asset Growth (YoY)-9.83%-11.09%3.77%8.93%11.80%+2,163 bps
Loan Growth (YoY)-7.54%-4.88%10.08%11.56%8.38%+1,592 bps
Deposit Growth (YoY)-13.42%-15.01%4.41%11.34%15.82%+2,923 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.74%0.81%0.77%0.28%0.22%-52 bps
Allowance / Loans1.97%1.83%1.75%1.72%1.68%-28 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 Capital13.60%13.89%13.74%14.27%14.72%+112 bps
Equity / Assets12.08%12.18%11.86%11.64%11.53%-55 bps
Liquidity & Funding
Loans / Deposits92.18%93.33%92.52%89.47%86.25%-592 bps
Liquid Assets / Assets13.45%13.93%14.13%15.65%19.42%+597 bps
CRE / Total Capitaln/an/an/an/an/an/an/a