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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

4.18%Q2 ’105.10%Q2 ’115.30%Q2 ’12+22%+3%

Non-interest income vs. expense

7.20%Q2 ’106.80%Q2 ’115.31%Q2 ’12+13%-24%

Executive Summary

  • Earnings: ROA of 0.15%, up 227 bps year over year; NIM at 4.71%.
  • 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 (quarter, annualized)

0.15%1+227 bps YoY

Net Interest Margin (quarter, annualized)

4.71%+14 bps YoY

Efficiency Ratio (quarter, annualized)

102.30%-3,385 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-2.11%-1.03%2.36%0.20%10.15%1+227 bps
Return on Equity-6.29%-3.30%8.04%0.71%0.53%+682 bps
Net Interest Margin4.57%4.86%4.66%4.58%4.71%+14 bps
Efficiency Ratio136.15%105.99%106.49%101.58%102.30%-3,385 bps
Non-Interest Burden6.38%5.19%4.99%4.66%4.83%-155 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