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First Bank & Trust

Ennis, TX · Cert 57168

FDIC

Q2 2003

$42.1MAssets
$39.4MLoans
$31.8MDeposits
$4.8MEquity
Deposit mix
86%Interest-bearing $27.3M14%Noninterest $4.5MQ2 2002Q2 2003

NIM

1.67%Q3 ’016.73%Q2 ’026.55%Q2 ’03+323%-16%

Non-interest income vs. expense

4.04%Q3 ’014.98%Q2 ’023.61%Q2 ’03+18%-29%

Executive Summary

  • Earnings: ROA of 0.32%, down 56 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 124.08% of deposits as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

0.32%-56 bps YoY

Net Interest Margin (YTD, annualized)

4.30%-79 bps YoY

Efficiency Ratio (YTD, annualized)

79.43%-1,357 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets0.88%0.61%0.36%0.21%0.32%-56 bps
Return on Equity3.84%3.01%2.01%1.69%2.65%-119 bps
Net Interest Margin5.09%4.52%3.90%4.34%4.30%-79 bps
Efficiency Ratio93.00%90.97%90.54%83.09%79.43%-1,357 bps
Non-Interest Burden4.72%4.09%3.52%3.57%3.37%-135 bps
Growth
Asset Growth (YoY)n/a192.33%151.04%81.16%66.92%n/a
Loan Growth (YoY)n/a350%128.24%74.49%69.86%n/a
Deposit Growth (YoY)n/a316%197.19%107.17%82.13%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.07%0.04%0.04%+4 bps
Allowance / Loans1.03%1.01%1.00%1.00%0.98%-6 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 Capital21.93%18.40%16.63%15.74%13.78%-815 bps
Equity / Assets18.69%15.44%12.60%12.71%11.36%-733 bps
Liquidity & Funding
Loans / Deposits133.04%114.07%105.70%120.32%124.08%-896 bps
Liquid Assets / Assets0.05%0.05%0.06%0.06%0.00%-5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a