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Houston Business Bank

Houston, TX · Cert 58943

FDIC

Q2 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: Q2 2012, the quarter ended June 30, 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

Houston Business Bank

Houston, TX · Cert 58943

FDIC

Q2 2012

$30.9MAssets
$24.0MLoans
$20.2MDeposits
$9.0MEquity
Loan mix
53%RE $9.5M47%C&I $8.4M1%Consumer $0.1MQ2 2011Q2 2012
Deposit mix
78%Interest-bearing $15.9M22%Noninterest $4.3MQ2 2011Q2 2012

NIM

3.98%Q2 ’104.56%Q2 ’115.24%Q2 ’12+13%+14%

Non-interest income vs. expense

7.32%Q2 ’106.44%Q2 ’115.22%Q2 ’12-5%-21%

Executive Summary

  • Earnings: ROA of 0.18%, up 236 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 118.64% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

0.18%1+236 bps YoY

Net Interest Margin (YTD, annualized)

4.66%+58 bps YoY

Efficiency Ratio (YTD, annualized)

101.95%-4,156 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-2.18%-1.78%-0.64%0.20%10.18%1+236 bps
Return on Equity-6.34%-5.33%-1.99%0.71%0.62%+696 bps
Net Interest Margin4.08%4.19%4.19%4.58%4.66%+58 bps
Efficiency Ratio143.51%128.71%122.61%101.58%101.95%-4,156 bps
Non-Interest Burden6.03%5.52%5.24%4.66%4.76%-127 bps
Growth
Asset Growth (YoY)17.33%26.07%25.96%23.86%10.94%-639 bps
Loan Growth (YoY)37.35%61.41%40.19%62.65%27.10%-1,025 bps
Deposit Growth (YoY)39.56%45.70%41.99%35.21%8.05%-3,151 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.98%0.98%1.02%0.99%0.90%-8 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 Capital39.39%33.21%34.92%32.13%30.68%-871 bps
Equity / Assets31.83%30.41%28.33%28.88%29.19%-264 bps
Liquidity & Funding
Loans / Deposits100.86%109.31%93.44%100.33%118.64%+1,779 bps
Liquid Assets / Assets10.32%0.87%1.11%1.12%0.32%-1,000 bps
CRE / Total Capitaln/an/an/an/an/an/an/a