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Trust Company, National Association, The

San Antonio, TX · Cert 34575

FDIC

Q1 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: Q1 2011, the quarter ended March 31, 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

Trust Company, National Association, The

San Antonio, TX · Cert 34575

FDIC

Q1 2011

$70.8MAssets
$44.9MLoans
$62.1MDeposits
$7.6MEquity
Loan mix
69%RE $25.5M26%C&I $9.7M5%Consumer $1.7MQ1 2010Q1 2011
Deposit mix
82%Interest-bearing $51.1M18%Noninterest $11.0MQ1 2010Q1 2011

NIM

4.03%Q1 ’094.17%Q1 ’103.46%Q1 ’11+16%-14%

Non-interest income vs. expense

13.83%Q1 ’098.86%Q1 ’107.50%Q1 ’11-20%-19%

Executive Summary

  • Earnings: ROA of 0.27%, down 33 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 72.23% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

0.27%-33 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-45 bps YoY

Efficiency Ratio (YTD, annualized)

93.79%-199 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.61%10.32%10.23%1-0.62%0.27%-33 bps
Return on Equity5.48%3.06%2.20%-6.06%2.68%-281 bps
Net Interest Margin3.29%3.30%3.15%2.69%2.84%-45 bps
Efficiency Ratio95.78%96.01%96.18%110.12%93.79%-199 bps
Non-Interest Burden2.90%2.94%2.81%3.45%2.34%-56 bps
Growth
Asset Growth (YoY)49.71%33.59%13.10%14.66%7.09%-4,262 bps
Loan Growth (YoY)68.66%36.25%3.53%-4.38%-14.74%-8,339 bps
Deposit Growth (YoY)61.59%41.80%16.47%16.50%7.52%-5,407 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.56%0.64%0.75%0.83%0.86%+30 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 Capital14.11%13.83%15.15%16.19%16.32%+221 bps
Equity / Assets11.27%9.74%10.21%9.67%10.80%-46 bps
Liquidity & Funding
Loans / Deposits91.08%74.42%72.89%66.80%72.23%-1,886 bps
Liquid Assets / Assets7.75%7.41%7.42%6.95%7.71%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a