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First Victoria National Bank

Victoria, TX · Cert 5570

FDIC

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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 Victoria National Bank

Victoria, TX · Cert 5570

FDIC

Q3 2013

$2.5BAssets
$1.6BLoans
$2.2BDeposits
$258.0MEquity
Loan mix
73%RE $983.5M22%C&I $295.0M5%Consumer $67.2MQ3 2012Q3 2013
Deposit mix
74%Interest-bearing $1.6B26%Noninterest $0.6BQ3 2012Q3 2013

NIM

4.49%Q3 ’114.09%Q3 ’123.84%Q3 ’13-4%-3%

Non-interest income vs. expense

3.48%Q3 ’113.21%Q3 ’122.86%Q3 ’13-10%-10%

Executive Summary

  • Earnings: ROA of 1.15%, up 16 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Funding: loans stand at 75.03% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

1.15%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-12 bps YoY

Efficiency Ratio (YTD, annualized)

60.26%-354 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.99%1.00%1.10%1.12%1.15%+16 bps
Return on Equity9.59%9.73%10.77%10.91%11.16%+157 bps
Net Interest Margin3.67%3.25%3.69%3.60%3.55%-12 bps
Efficiency Ratio63.80%64.18%61.25%60.41%60.26%-354 bps
Non-Interest Burden1.90%1.72%1.86%1.75%1.71%-19 bps
Growth
Asset Growth (YoY)9.55%24.99%25.85%23.09%20.14%+1,058 bps
Loan Growth (YoY)6.82%21.69%19.43%19.26%18.56%+1,175 bps
Deposit Growth (YoY)10.10%25.52%26.23%23.36%19.17%+907 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.46%0.32%0.28%0.33%0.26%-20 bps
Allowance / Loans1.75%1.55%1.55%1.50%1.50%-25 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 Capital13.59%13.07%13.58%13.66%14.18%+59 bps
Equity / Assets9.99%10.13%10.29%10.45%10.44%+46 bps
Liquidity & Funding
Loans / Deposits75.42%75.72%74.79%76.59%75.03%-39 bps
Liquid Assets / Assets10.91%10.81%12.50%9.66%11.75%+84 bps
CRE / Total Capitaln/an/an/an/an/an/an/a