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Letter portraitLegal landscapeQuarterYTD

Right Bank for Texas, National Association, The

Houston, TX · Cert 57285

FDIC

Q3 2013

$221.2MAssets
$135.9MLoans
$197.5MDeposits
$22.5MEquity
Loan mix
81%RE $81.2M18%C&I $18.0M1%Consumer $0.6MQ3 2012Q3 2013
Deposit mix
81%Interest-bearing $160.5M19%Noninterest $37.0MQ3 2012Q3 2013

NIM

4.45%Q3 ’114.51%Q3 ’124.09%Q3 ’13+3%-7%

Non-interest income vs. expense

3.44%Q3 ’113.16%Q3 ’123.11%Q3 ’13+16%-7%

Executive Summary

  • Earnings: ROA of 0.52%, down 13 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 68.81% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.52%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-27 bps YoY

Efficiency Ratio (YTD, annualized)

82.32%+122 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 Assets0.65%0.53%0.66%0.59%0.52%-13 bps
Return on Equity6.20%5.03%6.39%5.75%5.05%-116 bps
Net Interest Margin3.65%3.54%3.32%3.35%3.38%-27 bps
Efficiency Ratio81.09%81.84%79.05%80.72%82.32%+122 bps
Non-Interest Burden2.91%2.86%2.46%2.59%2.71%-20 bps
Growth
Asset Growth (YoY)11.95%3.70%6.77%6.27%5.04%-691 bps
Loan Growth (YoY)1.17%-7.60%-5.19%-3.91%6.40%+523 bps
Deposit Growth (YoY)12.61%1.63%6.97%6.83%5.33%-728 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.15%0.00%0.03%-0.02%-14 bps
Allowance / Loans1.27%1.29%1.33%1.24%1.28%+1 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 Capital18.87%18.70%18.16%14.78%17.61%-125 bps
Equity / Assets10.65%10.29%10.44%10.20%10.19%-46 bps
Liquidity & Funding
Loans / Deposits68.12%70.19%66.82%69.91%68.81%+70 bps
Liquid Assets / Assets22.38%18.91%16.07%14.72%16.88%-549 bps
CRE / Total Capitaln/an/an/an/an/an/an/a