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First State Bank Central Texas

Temple, TX · Cert 11151

FDIC · 31 branches

Q4 2017

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: Q4 2017, the quarter ended December 31, 2017, 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

First State Bank Central Texas

Temple, TX · Cert 11151

FDIC · 31 branches

Q4 2017

$1.4BAssets
$715.5MLoans
$1.2BDeposits
$129.3MEquity
Loan mix
81%RE $409.3M17%C&I $85.2M2%Consumer $9.4MQ4 2016Q4 2017
Deposit mix
61%Interest-bearing $736.4M39%Noninterest $466.8MQ4 2016Q4 2017

NIM

3.47%Q4 ’153.57%Q4 ’163.81%Q4 ’17+4%+6%

Non-interest income vs. expense

2.08%Q4 ’152.22%Q4 ’162.16%Q4 ’17+4%-4%

Market Position · Killeen-Temple, TX · 2017 SOD (annual) · 9.6% share · #5 of 20 inst. · $0.5B of $4.8B

10.0% Bell
0.7% Travis
2.0% Williamson
25.8% Lampasas

Executive Summary

  • Earnings: ROA of 1.34%, down 2 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.26% of loans (+26 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 8.95%, down 204 bps from a year ago.
  • Funding: loans stand at 59.47% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.34%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+21 bps YoY

Efficiency Ratio (YTD, annualized)

52.73%-413 bps YoY

Tier 1 Leverage Ratio

8.95%-204 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets1.36%1.13%1.24%1.31%1.34%-2 bps
Return on Equity12.21%10.06%10.84%11.36%12.06%-16 bps
Net Interest Margin3.32%3.36%3.46%3.54%3.53%+21 bps
Efficiency Ratio56.86%57.61%55.53%52.90%52.73%-413 bps
Non-Interest Burden1.65%1.70%1.68%1.62%1.58%-7 bps
Growth
Asset Growth (YoY)-2.40%-3.13%2.07%5.32%3.98%+638 bps
Loan Growth (YoY)4.78%9.58%16.42%13.45%9.42%+463 bps
Deposit Growth (YoY)-3.96%-4.65%0.65%4.88%5.02%+897 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.39%0.43%0.27%0.26%+26 bps
Net Charge-Offs / Loans-0.02%-0.11%-0.08%-0.07%-0.06%-3 bps
Allowance / Loans0.97%0.95%0.93%0.94%0.91%-6 bps
Allowance Coverage of NPLsn/a2.4x2.2x3.5x3.5xn/a
Capital
Tier 1 Leverage Ratio10.99%11.05%11.33%11.68%8.95%-204 bps
Total Risk-Based Capital17.07%17.25%17.13%17.54%13.81%-326 bps
Equity / Assets11.14%11.32%11.90%11.89%9.15%-199 bps
Liquidity & Funding
Loans / Deposits57.07%59.40%62.76%60.53%59.47%+239 bps
Liquid Assets / Assets1.63%2.60%2.58%7.07%7.21%+558 bps
CRE / Total Capitaln/an/an/an/an/an/an/a