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Founders Bank, SSB

Sugar Land, TX · Cert 58710

FDIC

Q2 2011

$124.0MAssets
$82.2MLoans
$107.0MDeposits
$16.9MEquity
Loan mix
75%RE $47.2M23%C&I $14.4M2%Consumer $1.4MQ2 2010Q2 2011
Deposit mix
76%Interest-bearing $81.5M24%Noninterest $25.5MQ2 2010Q2 2011

NIM

5.50%Q2 ’094.70%Q2 ’104.05%Q2 ’11-8%-4%

Non-interest income vs. expense

4.27%Q2 ’093.49%Q2 ’104.16%Q2 ’11-18%-3%

Executive Summary

  • Earnings: ROA of -0.30%, up 8 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.79%.
  • Funding: loans stand at 76.85% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.30%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-13 bps YoY

Efficiency Ratio (YTD, annualized)

101.43%+24 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-0.38%-0.27%-1.67%0.16%-0.30%+8 bps
Return on Equity-3.01%-2.17%-13.34%1.22%-2.29%+72 bps
Net Interest Margin3.34%3.13%2.80%3.09%3.21%-13 bps
Efficiency Ratio101.19%99.76%112.92%94.21%101.43%+24 bps
Non-Interest Burden3.38%3.13%3.20%2.86%3.27%-11 bps
Growth
Asset Growth (YoY)22.05%12.65%7.11%3.34%-0.56%-2,261 bps
Loan Growth (YoY)8.38%0.04%-7.99%-0.80%-12.92%-2,130 bps
Deposit Growth (YoY)17.28%6.21%4.10%2.81%1.41%-1,587 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%0.96%2.14%0.39%0.79%+56 bps
Allowance / Loans1.38%1.07%1.44%1.30%1.25%-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 Capital18.97%20.91%19.90%18.98%20.77%+180 bps
Equity / Assets13.76%13.04%12.16%13.48%13.66%-10 bps
Liquidity & Funding
Loans / Deposits89.50%72.07%67.90%79.52%76.85%-1,265 bps
Liquid Assets / Assets8.48%18.89%19.16%10.82%20.34%+1,187 bps
CRE / Total Capitaln/an/an/an/an/an/an/a