PackageTrendsPeer
Letter portraitLegal landscape

Community Bank of Texas, National Association

Grand Prairie, TX · Cert 57130

FDIC

Q2 2007

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 2007, the quarter ended June 30, 2007, 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

Community Bank of Texas, National Association

Grand Prairie, TX · Cert 57130

FDIC

Q2 2007

$69.5MAssets
$42.0MLoans
$48.1MDeposits
$21.0MEquity
Loan mix
69%RE $21.6M31%C&I $9.8M0%Consumer $0.0MQ2 2006Q2 2007
Deposit mix
87%Interest-bearing $41.8M13%Noninterest $6.4MQ2 2006Q2 2007

NIM

6.21%Q2 ’056.96%Q2 ’062.29%Q2 ’07+5%-67%

Non-interest income vs. expense

3.16%Q2 ’052.86%Q2 ’060.77%Q2 ’07-9%-73%

Executive Summary

  • Earnings: ROA of 0.40%, down 79 bps year over year; NIM at 1.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 87.29% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.40%-79 bps YoY

Net Interest Margin (YTD, annualized)

1.28%-262 bps YoY

Efficiency Ratio (YTD, annualized)

57.85%-1,284 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.19%1.28%1.69%0.24%0.40%-79 bps
Return on Equity11.51%11.92%15.26%1.92%2.08%-943 bps
Net Interest Margin3.90%4.09%4.16%4.08%1.28%-262 bps
Efficiency Ratio70.68%69.78%69.40%84.11%57.85%-1,284 bps
Non-Interest Burden2.71%2.81%2.84%3.40%0.72%-199 bps
Growth
Asset Growth (YoY)10.38%-1.94%-3.56%-2.38%24.31%+1,394 bps
Loan Growth (YoY)9.97%-0.24%1.81%2.01%-3.99%-1,396 bps
Deposit Growth (YoY)10.87%-3.51%-6.02%-4.67%-3.32%-1,419 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.06%0.08%0.26%0.00%-5 bps
Allowance / Loans1.19%1.21%1.20%1.21%1.58%+39 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 Capital14.72%15.56%16.40%16.50%32.62%+1,790 bps
Equity / Assets10.50%11.72%12.44%12.52%30.17%+1,967 bps
Liquidity & Funding
Loans / Deposits87.89%91.50%88.71%90.02%87.29%-60 bps
Liquid Assets / Assets0.02%0.02%0.02%0.02%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a