PackageTrendsPeer
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Opportunity Bank, National Association

Richardson, TX · Cert 58567

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

Opportunity Bank, National Association

Richardson, TX · Cert 58567

FDIC

Q1 2012

$53.5MAssets
$28.3MLoans
$45.0MDeposits
$8.2MEquity
Loan mix
36%RE $8.2M63%C&I $14.5M0%Consumer $0.1MQ1 2011Q1 2012
Deposit mix
54%Interest-bearing $24.4M46%Noninterest $20.6MQ1 2011Q1 2012

NIM

4.90%Q1 ’105.30%Q1 ’115.45%Q1 ’12+28%+9%

Non-interest income vs. expense

5.80%Q1 ’106.79%Q1 ’114.44%Q1 ’12+17%-35%

Executive Summary

  • Earnings: ROA of 0.11%, up 223 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.05%.
  • Funding: loans stand at 62.90% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

0.11%+223 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+41 bps YoY

Efficiency Ratio (YTD, annualized)

90.71%-5,874 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 Assets-2.12%-2.43%-2.03%-1.79%0.11%+223 bps
Return on Equity-14.22%-16.18%-13.40%-11.79%0.69%+1,491 bps
Net Interest Margin4.34%4.90%4.94%4.87%4.75%+41 bps
Efficiency Ratio149.45%144.22%136.87%133.20%90.71%-5,874 bps
Non-Interest Burden6.59%7.12%6.82%6.55%4.30%-229 bps
Growth
Asset Growth (YoY)-9.60%-14.02%-20.33%-14.07%-7.70%+189 bps
Loan Growth (YoY)-13.23%-6.25%-6.80%0.76%-17.09%-386 bps
Deposit Growth (YoY)-9.74%-12.23%-20.43%-15.05%-7.38%+237 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.13%0.07%0.05%2.05%+196 bps
Allowance / Loans1.21%1.52%1.62%1.66%1.46%+25 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 Capital23.11%22.64%25.03%24.57%28.63%+552 bps
Equity / Assets14.91%15.30%15.50%15.30%15.39%+48 bps
Liquidity & Funding
Loans / Deposits70.27%74.28%73.24%71.40%62.90%-737 bps
Liquid Assets / Assets18.24%21.58%22.57%19.14%30.71%+1,248 bps
CRE / Total Capitaln/an/an/an/an/an/an/a