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Brazos Valley Bank, National Association

College Station, TX · Cert 57693

FDIC

Q1 2012

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: Q1 2012, the quarter ended March 31, 2012, 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

Brazos Valley Bank, National Association

College Station, TX · Cert 57693

FDIC

Q1 2012

$108.8MAssets
$68.5MLoans
$96.4MDeposits
$11.6MEquity
Loan mix
80%RE $49.9M18%C&I $11.4M1%Consumer $0.9MQ1 2011Q1 2012
Deposit mix
83%Interest-bearing $79.8M17%Noninterest $16.6MQ1 2011Q1 2012

NIM

5.99%Q1 ’105.02%Q1 ’114.35%Q1 ’12-12%-10%

Non-interest income vs. expense

3.92%Q1 ’104.07%Q1 ’116.34%Q1 ’12+6%+65%

Executive Summary

  • Earnings: ROA of -2.16%, down 249 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 71.06% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.16%-249 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-37 bps YoY

Efficiency Ratio (YTD, annualized)

150.13%+6,092 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.33%0.15%0.16%0.11%-2.16%-249 bps
Return on Equity3.55%1.58%1.64%1.10%-20.09%-2,364 bps
Net Interest Margin3.92%3.87%3.95%3.97%3.55%-37 bps
Efficiency Ratio89.22%94.11%94.24%95.25%150.13%+6,092 bps
Non-Interest Burden3.43%3.60%3.69%3.75%5.67%+223 bps
Growth
Asset Growth (YoY)-9.04%-13.88%-11.24%-12.85%-11.73%-269 bps
Loan Growth (YoY)-22.13%-20.84%-20.44%-19.60%-21.86%+26 bps
Deposit Growth (YoY)-11.15%-16.74%-12.67%-14.35%-12.62%-147 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.75%-0.11%0.36%0.54%0.02%-72 bps
Allowance / Loans2.74%3.17%3.03%3.01%3.25%+50 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 Capital15.33%15.99%16.62%17.48%17.52%+218 bps
Equity / Assets9.59%10.09%10.73%10.88%10.65%+106 bps
Liquidity & Funding
Loans / Deposits79.47%78.74%78.05%74.64%71.06%-840 bps
Liquid Assets / Assets13.88%13.47%12.60%15.51%18.29%+441 bps
CRE / Total Capitaln/an/an/an/an/an/an/a