First National Bank of Shamrock, The

Shamrock, TX · Cert 5527

FDIC

Q4 2001

$21.5MAssets

$7.8MLoans

$19.1MDeposits

$2.3MEquity

Deposit mix

Executive Summary

Earnings: ROA of -0.04%, down 34 bps year over year; NIM at 3.74%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.65%.
Funding: loans stand at 41.02% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

-0.04%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.74%

Efficiency Ratio (YTD, annualized)

89.77%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	0.16%	0.15%	0.45%	0.30%	0.50%	0.03%¹	-0.08%	-0.04%	-34 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.62%	3.63%	3.69%	3.74%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	85.45%	85.88%	86.63%	89.77%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	3.00%	3.02%	3.09%	3.28%	n/a
Growth
Asset Growth (YoY)	2.65%	3.05%	5.01%	0.07%	2.31%	-4.03%	-15.71%	-15.26%	-1,533 bps
Loan Growth (YoY)	36.12%	25.24%	23.38%	23.37%	2.85%	-3.03%	-18.77%	-17.20%	-4,058 bps
Deposit Growth (YoY)	4.89%	6.04%	5.74%	-1.45%	0.59%	-5.93%	-17.92%	-16.56%	-1,511 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	-0.16%	0.09%	0.87%	0.65%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	2.47%	3.49%	3.85%	4.21%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	19.71%	20.76%	22.87%	23.53%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	9.29%	9.62%	11.00%	10.63%	n/a
Liquidity & Funding
Loans / Deposits	41.64%	41.03%	43.61%	41.34%	42.57%	42.30%	43.16%	41.02%	-32 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.04%	0.05%	0.05%	0.05%	+5 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a