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Independent Bank of Austin, SSB

Lakeway, TX · Cert 58014

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

Independent Bank of Austin, SSB

Lakeway, TX · Cert 58014

FDIC

Q1 2012

$157.8MAssets
$118.3MLoans
$122.9MDeposits
$22.2MEquity
Loan mix
92%RE $99.9M7%C&I $7.7M1%Consumer $0.6MQ1 2011Q1 2012
Deposit mix
93%Interest-bearing $114.8M7%Noninterest $8.1MQ1 2011Q1 2012

NIM

5.06%Q1 ’105.32%Q1 ’114.89%Q1 ’12+30%-6%

Non-interest income vs. expense

1.63%Q1 ’101.64%Q1 ’111.55%Q1 ’12-3%-6%

Executive Summary

  • Earnings: ROA of 2.75%, up 123 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 96.26% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

2.75%+123 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-25 bps YoY

Efficiency Ratio (YTD, annualized)

37.97%-7 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 Assets1.51%1.53%1.55%1.53%2.75%+123 bps
Return on Equity12.35%12.30%12.28%11.94%19.82%+747 bps
Net Interest Margin4.28%4.29%4.25%4.26%4.03%-25 bps
Efficiency Ratio38.04%37.43%37.08%37.87%37.97%-7 bps
Non-Interest Burden1.60%1.57%1.53%1.59%1.50%-10 bps
Growth
Asset Growth (YoY)-5.43%-5.73%-4.41%-1.18%2.37%+779 bps
Loan Growth (YoY)-0.16%1.74%-0.84%-2.82%-5.87%-571 bps
Deposit Growth (YoY)3.83%0.66%1.65%2.37%7.64%+381 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.12%0.12%0.14%0.06%+6 bps
Allowance / Loans1.74%1.76%1.86%1.94%2.06%+32 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 Capital19.67%19.76%20.45%21.85%23.49%+383 bps
Equity / Assets12.55%12.78%13.23%13.63%14.08%+153 bps
Liquidity & Funding
Loans / Deposits110.07%108.58%105.48%102.23%96.26%-1,381 bps
Liquid Assets / Assets14.44%14.49%14.40%16.40%22.07%+763 bps
CRE / Total Capitaln/an/an/an/an/an/an/a