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Texas Community Bank, National Association

The Woodlands, TX · Cert 57431

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

Texas Community Bank, National Association

The Woodlands, TX · Cert 57431

FDIC

Q3 2013

$159.3MAssets
$87.8MLoans
$142.6MDeposits
$3.3MEquity
Loan mix
76%RE $51.8M24%C&I $16.2M1%Consumer $0.5MQ3 2012Q3 2013
Deposit mix
93%Interest-bearing $132.4M7%Noninterest $10.3MQ3 2012Q3 2013

NIM

5.00%Q3 ’113.98%Q3 ’123.58%Q3 ’13-21%-10%

Non-interest income vs. expense

4.86%Q3 ’115.03%Q3 ’125.51%Q3 ’13+23%-18%

Executive Summary

  • Earnings: ROA of -3.57%, up 208 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.71%.
  • Funding: loans stand at 61.58% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-3.57%+208 bps YoY

Net Interest Margin (YTD, annualized)

2.67%-31 bps YoY

Efficiency Ratio (YTD, annualized)

193.04%-13,808 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 Assets-5.65%-5.31%-2.78%-2.21%-3.57%+208 bps
Return on Equity-90.79%-91.33%-77.81%-64.25%-112.40%-2,161 bps
Net Interest Margin2.98%2.91%2.76%2.50%2.67%-31 bps
Efficiency Ratio331%318%209%180.03%193.04%-13,808 bps
Non-Interest Burden6.50%6.35%5.57%4.67%5.33%-117 bps
Growth
Asset Growth (YoY)-28.54%-11.95%-12.54%-17.82%-32.47%-393 bps
Loan Growth (YoY)-37.92%-28.57%-30.92%-31.58%-44.13%-621 bps
Deposit Growth (YoY)-28.81%-6.47%-8.70%-15.98%-31.55%-274 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.52%4.56%1.03%0.44%5.71%+220 bps
Allowance / Loans3.97%3.43%3.46%3.88%2.90%-107 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 Capital10.82%9.94%8.74%8.53%6.04%-478 bps
Equity / Assets4.77%4.00%3.17%3.14%2.09%-268 bps
Liquidity & Funding
Loans / Deposits75.45%70.50%62.17%65.05%61.58%-1,386 bps
Liquid Assets / Assets15.14%17.72%23.09%20.02%17.61%+246 bps
CRE / Total Capitaln/an/an/an/an/an/an/a