First Financial Trust & Asset Management Company, National Association

Abilene, TX · Cert 57757

FDIC

Q2 2024

$64.4MAssets

n/aLoans

n/aDeposits

$63.5MEquity

Executive Summary

Return on Assets (YTD, annualized)

40.50%-115 bps YoY

Net Interest Margin (YTD, annualized)

2.08%-29 bps YoY

Efficiency Ratio (YTD, annualized)

35.24%+19 bps YoY

Tier 1 Leverage Ratio

103.59%+20 bps YoY

Year to date, annualized, through each quarter.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	YoY Δ	Trend
Earnings
Return on Assets	49.79%	48.17%	41.91%	41.64%	40.90%	40.53%	40.69%	40.50%	-115 bps
Return on Equity	51.88%	49.92%	42.95%	42.39%	41.52%	41.11%	41.62%	41.29%	-109 bps
Net Interest Margin	1.70%	1.72%	2.35%	2.37%	2.30%	2.21%	2.05%	2.08%	-29 bps
Efficiency Ratio	36.55%	36.94%	35.51%	35.05%	35.45%	35.87%	35.49%	35.24%	+19 bps
Non-Interest Burden	-58.70%	-52.40%	-50.22%	-48.48%	-46.17%	-45.48%	-49.47%	-47.53%	+95 bps
Growth
Asset Growth (YoY)	10.93%	19.07%	26.55%	26.32%	26.74%	18.07%	18.02%	21.67%	-464 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	102.87%	103.12%	103.98%	103.39%	103.68%	102.08%	104.14%	103.59%	+20 bps
Total Risk-Based Capital	396%	441%	452%	455%	373%	373%	363%	370%	-8,421 bps
Equity / Assets	96.56%	98.33%	96.91%	99.49%	99.23%	98.91%	96.71%	98.64%	-86 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a