Community Bank of Texas, National Association

Grand Prairie, TX · Cert 57130

FDIC

Q2 2007

$69.5MAssets

$42.0MLoans

$48.1MDeposits

$21.0MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.57%, down 81 bps year over year; NIM at -0.78%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.26%.
Funding: loans stand at 87.29% of deposits as of Q2 2007.

Return on Assets (quarter, annualized)

0.57%-81 bps YoY

Net Interest Margin (quarter, annualized)

-0.78%-489 bps YoY

Efficiency Ratio (quarter, annualized)

57.85%-1,028 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2006	Q3 2006	Q4 2006	Q1 2007	Q2 2007	YoY Δ	Trend
Earnings
Return on Assets	1.37%	1.42%	2.97%	0.24%	0.57%	-81 bps
Return on Equity	13.07%	12.80%	24.60%	1.92%	2.51%	-1,056 bps
Net Interest Margin	4.10%	4.29%	4.15%	4.08%	-0.78%	-489 bps
Efficiency Ratio	68.12%	68.10%	68.24%	84.11%	57.85%	-1,028 bps
Non-Interest Burden	2.74%	2.88%	2.78%	3.40%	-1.35%	-409 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.09%	0.08%	0.16%	0.26%	-0.26%	-35 bps
Allowance / Loans	1.19%	1.21%	1.20%	1.21%	1.58%	+39 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	14.72%	15.56%	16.40%	16.50%	32.62%	+1,790 bps
Equity / Assets	10.50%	11.72%	12.44%	12.52%	30.17%	+1,967 bps
Liquidity & Funding
Loans / Deposits	87.89%	91.50%	88.71%	90.02%	87.29%	-60 bps
Liquid Assets / Assets	0.02%	0.02%	0.02%	0.02%	0.01%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a