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Letter portraitLegal landscapeQuarterYTD

Bank Arlington, The

Pantego, TX · Cert 58333

FDIC

Q1 2012

$37.3MAssets
$22.8MLoans
$33.2MDeposits
$3.4MEquity
Loan mix
77%RE $16.7M17%C&I $3.6M6%Consumer $1.3MQ1 2011Q1 2012
Deposit mix
74%Interest-bearing $24.7M26%Noninterest $8.5MQ1 2011Q1 2012

NIM

4.70%Q1 ’104.09%Q1 ’113.97%Q1 ’12-9%-1%

Non-interest income vs. expense

3.83%Q1 ’103.74%Q1 ’1114.79%Q1 ’12-14%+328%

Executive Summary

  • Earnings: ROA of -10.04%, down 1,023 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 68.83% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-10.04%-1,023 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-3 bps YoY

Efficiency Ratio (YTD, annualized)

366%+27,121 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 Assets0.19%0.48%0.52%0.49%-10.04%-1,023 bps
Return on Equity1.90%4.67%5.03%4.58%-95.43%-9,733 bps
Net Interest Margin3.53%3.36%3.29%3.39%3.50%-3 bps
Efficiency Ratio95.01%106.75%99.01%96.31%366%+27,121 bps
Non-Interest Burden3.33%3.62%3.25%3.25%14.25%+1,091 bps
Growth
Asset Growth (YoY)3.68%0.34%-6.98%-9.30%-9.60%-1,328 bps
Loan Growth (YoY)-6.94%-19.50%-19.43%-11.32%-1.06%+588 bps
Deposit Growth (YoY)3.74%0.00%-8.19%-11.03%-10.38%-1,411 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-1.09%-0.73%-0.50%0.00%0 bps
Allowance / Loans1.08%1.03%1.05%1.01%0.94%-14 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 Capital18.90%20.98%20.96%20.43%17.35%-154 bps
Equity / Assets10.20%10.53%10.78%11.86%9.18%-102 bps
Liquidity & Funding
Loans / Deposits62.35%56.12%54.87%64.69%68.83%+648 bps
Liquid Assets / Assets27.28%32.88%25.32%11.47%30.64%+336 bps
CRE / Total Capitaln/an/an/an/an/an/an/a