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Town Center Bank

Coppell, TX · Cert 57826

FDIC

Q2 2010

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: Q2 2010, the quarter ended June 30, 2010, 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

Town Center Bank

Coppell, TX · Cert 57826

FDIC

Q2 2010

$35.4MAssets
$25.6MLoans
$31.1MDeposits
$2.9MEquity
Deposit mix
87%Interest-bearing $27.1M13%Noninterest $4.0MQ2 2009Q2 2010

NIM

5.78%Q2 ’084.25%Q2 ’094.45%Q2 ’10-28%+48%

Non-interest income vs. expense

4.27%Q2 ’085.36%Q2 ’096.57%Q2 ’10+29%+21%

Executive Summary

  • Earnings: ROA of -3.40%, down 22 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.82%.
  • Funding: loans stand at 82.25% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-3.40%-22 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+90 bps YoY

Efficiency Ratio (YTD, annualized)

214%-4,824 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-3.18%-2.94%-4.70%-3.77%-3.40%-22 bps
Return on Equity-30.56%-28.18%-46.91%-47.14%-42.33%-1,177 bps
Net Interest Margin1.86%2.05%2.25%2.34%2.75%+90 bps
Efficiency Ratio263%239%229%234%214%-4,824 bps
Non-Interest Burden5.17%5.16%5.48%5.91%6.26%+108 bps
Growth
Asset Growth (YoY)-15.88%-30.21%-22.49%-21.98%-29.09%-1,321 bps
Loan Growth (YoY)-27.83%-28.04%-24.51%-25.53%-24.14%+368 bps
Deposit Growth (YoY)-18.45%-34.10%-20.49%-19.72%-27.95%-951 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.70%1.61%3.25%-0.69%0.82%-188 bps
Allowance / Loans2.36%2.63%3.78%4.43%4.10%+174 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 Capital15.11%14.41%12.10%11.64%11.30%-381 bps
Equity / Assets10.13%10.50%8.13%7.86%8.12%-201 bps
Liquidity & Funding
Loans / Deposits78.11%83.62%77.28%76.34%82.25%+413 bps
Liquid Assets / Assets4.16%4.58%14.52%7.41%6.07%+191 bps
CRE / Total Capitaln/an/an/an/an/an/an/a