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Village Bank & Trust, S.S.B.

Lakeway, TX · Cert 35147

FDIC

Q2 2004

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 2004, the quarter ended June 30, 2004, 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

Village Bank & Trust, S.S.B.

Lakeway, TX · Cert 35147

FDIC

Q2 2004

$110.9MAssets
$79.3MLoans
$97.3MDeposits
$10.4MEquity
Deposit mix
85%Interest-bearing $82.8M15%Noninterest $14.5MQ2 2003Q2 2004

NIM

7.22%Q2 ’025.94%Q2 ’035.38%Q2 ’04-14%-8%

Non-interest income vs. expense

4.92%Q2 ’024.75%Q2 ’033.61%Q2 ’04-28%+25%

Executive Summary

  • Earnings: ROA of 0.60%, down 48 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 81.55% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

0.60%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-34 bps YoY

Efficiency Ratio (YTD, annualized)

81.24%+758 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets1.08%0.98%0.95%0.69%0.60%-48 bps
Return on Equity10.85%10.00%9.70%7.27%6.37%-448 bps
Net Interest Margin4.06%3.90%3.93%3.63%3.71%-34 bps
Efficiency Ratio73.65%74.14%74.60%78.14%81.24%+758 bps
Non-Interest Burden2.37%2.40%2.58%2.76%2.96%+59 bps
Growth
Asset Growth (YoY)-4.02%-5.52%2.13%5.18%3.27%+729 bps
Loan Growth (YoY)-13.60%-11.50%-7.50%-1.09%-1.31%+1,229 bps
Deposit Growth (YoY)0.91%-9.10%0.04%3.22%8.71%+779 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.04%0.13%-0.34%0.04%-2 bps
Allowance / Loans1.03%1.08%0.99%0.96%0.90%-13 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 Capital14.20%13.55%13.36%13.12%13.43%-76 bps
Equity / Assets10.05%9.67%9.43%9.48%9.37%-68 bps
Liquidity & Funding
Loans / Deposits89.82%85.91%79.45%82.87%81.55%-827 bps
Liquid Assets / Assets1.08%0.44%0.32%1.04%1.64%+56 bps
CRE / Total Capitaln/an/an/an/an/an/an/a