The Bank & Trust Of Bryan/College Station Financial Statements & Health Reports

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Vitals

ROAA

1.41

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	The Bank & Trust Of Bryan/College Station	All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets	517,677	358,087
Total Net Loans	363,386	213,533
Total Deposits	445,173	308,027
Total Equity	52,649	38,740
Profitability
Net Income	7,101	3,845
Return on Average Assets	1.41	1.025
Return on Average Equity	14.164	9.415
Net Interest Margin	4.122	3.773
Efficiency Ratio	48.532	66.762
Noninterest Income/Revenue	9.828	16.375
Balance Sheet Ratios
Loan-to-Deposit	81.628	65.494
Securities/Assets	.191	.214
Total Equity/Total Assets	.102	.108
Tangible Equity/Tangible Assets	.099	.104
Capital Adequacy
Tier 1 Common Capital	52,307	37,278
Tier 1 Capital	52,307	37,303
Tier 2 Capital	4,673	2,526
Total Capital	56,980	39,866
Total Risk Weighted Assets	373,139	237,367
Leverage Ratio	10.19	10.563
Common Equity Tier 1 Capital Ratio	14.02	18.073
Tier 1 Capital Ratio	14.02	18.097
Total Capital Ratio	15.27	19.169

The Bank & Trust Of Bryan/College Station was established 18 years ago and is currently headquartered in Bryan, TX.

May 23 2006

Relationships	Role	Relationship Start	Relationship End

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