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First Bank, Roxton, Texas, The

Roxton, TX · Cert 5503

FDIC

Q2 2009

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 2009, the quarter ended June 30, 2009, 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

First Bank, Roxton, Texas, The

Roxton, TX · Cert 5503

FDIC

Q2 2009

$19.3MAssets
$11.1MLoans
$18.0MDeposits
$1.2MEquity
Deposit mix
79%Interest-bearing $14.3M21%Noninterest $3.7MQ2 2008Q2 2009

NIM

7.99%Q2 ’077.50%Q2 ’085.58%Q2 ’09-15%-31%

Non-interest income vs. expense

4.60%Q2 ’075.95%Q2 ’084.55%Q2 ’09+51%-24%

Executive Summary

  • Earnings: ROA of -0.59%, up 45 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.45%.
  • Funding: loans stand at 61.68% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-0.59%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.33%-150 bps YoY

Efficiency Ratio (YTD, annualized)

106.36%+788 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-1.04%-1.68%-1.76%-0.91%-0.59%+45 bps
Return on Equity-15.19%-24.76%-26.34%-15.47%-9.93%+526 bps
Net Interest Margin4.83%4.99%4.70%3.51%3.33%-150 bps
Efficiency Ratio98.48%99.41%102.80%109.27%106.36%+788 bps
Non-Interest Burden4.73%4.96%4.86%3.92%3.60%-113 bps
Growth
Asset Growth (YoY)-8.09%-15.79%-14.50%-5.87%-3.30%+480 bps
Loan Growth (YoY)-19.04%-22.39%-23.27%-12.65%1.52%+2,055 bps
Deposit Growth (YoY)-6.34%-13.81%-13.77%-4.47%-2.40%+393 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.72%4.38%3.38%0.38%0.45%-327 bps
Allowance / Loans1.30%1.20%1.88%1.99%1.78%+48 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 Capital13.36%12.53%12.20%11.60%11.61%-176 bps
Equity / Assets6.74%6.58%6.10%5.70%5.98%-76 bps
Liquidity & Funding
Loans / Deposits59.30%63.94%61.08%59.21%61.68%+238 bps
Liquid Assets / Assets20.61%16.48%22.06%21.40%20.77%+15 bps
CRE / Total Capitaln/an/an/an/an/an/an/a