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Collin Bank

Frisco, TX · Cert 58610

FDIC

Q3 2013

$173.3MAssets
$80.0MLoans
$121.2MDeposits
$25.7MEquity
Loan mix
64%RE $33.4M35%C&I $18.0M1%Consumer $0.5MQ3 2012Q3 2013
Deposit mix
83%Interest-bearing $101.0M17%Noninterest $20.2MQ3 2012Q3 2013

NIM

4.28%Q3 ’113.45%Q3 ’123.65%Q3 ’13-24%+15%

Non-interest income vs. expense

2.86%Q3 ’112.75%Q3 ’122.90%Q3 ’13-27%+13%

Executive Summary

  • Earnings: ROA of 0.08%, down 18 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.39%.
  • Funding: loans stand at 66.06% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.08%-18 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+36 bps YoY

Efficiency Ratio (YTD, annualized)

97.10%-152 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.26%0.10%1-0.28%-0.18%0.08%-18 bps
Return on Equity2.34%0.92%-2.29%-1.42%0.59%-175 bps
Net Interest Margin2.44%2.55%2.21%2.38%2.80%+36 bps
Efficiency Ratio98.62%102.42%111.59%107.31%97.10%-152 bps
Non-Interest Burden2.41%2.62%2.49%2.56%2.71%+31 bps
Growth
Asset Growth (YoY)17.49%7.95%-17.28%-26.25%-26.86%-4,435 bps
Loan Growth (YoY)-16.98%-14.73%-17.06%-20.15%-14.65%+233 bps
Deposit Growth (YoY)29.35%16.57%-20.91%-31.24%-37.42%-6,677 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.23%-0.18%0.30%0.60%0.39%+63 bps
Allowance / Loans1.57%1.57%1.61%1.55%1.54%-3 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 Capital22.23%22.88%24.44%26.85%26.11%+388 bps
Equity / Assets11.25%11.53%12.65%13.89%14.82%+357 bps
Liquidity & Funding
Loans / Deposits48.43%51.54%54.00%57.13%66.06%+1,763 bps
Liquid Assets / Assets21.99%20.14%19.36%16.41%14.87%-712 bps
CRE / Total Capitaln/an/an/an/an/an/an/a