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Security State Bank

Anahuac, TX · Cert 11552

FDIC · 3 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Security State Bank

Anahuac, TX · Cert 11552

FDIC · 3 branches

Q3 2015

$145.5MAssets
$86.9MLoans
$129.2MDeposits
$15.3MEquity
Loan mix
73%RE $40.2M21%C&I $11.6M6%Consumer $3.2MQ3 2014Q3 2015
Deposit mix
69%Interest-bearing $89.5M31%Noninterest $39.7MQ3 2014Q3 2015

NIM

3.66%Q3 ’133.72%Q3 ’143.98%Q3 ’15+5%+10%

Non-interest income vs. expense

2.96%Q3 ’133.22%Q3 ’143.31%Q3 ’15+12%+4%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2015 SOD (annual) · 0.1% share · #64 of 103 inst. · $0.1B of $215.2B

20.6% Chambers
6.9% Liberty

Executive Summary

  • Earnings: ROA of 0.79%, up 21 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.61%.
  • Capital: tier 1 leverage ratio of 9.21%.
  • Funding: loans stand at 67.27% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.79%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+32 bps YoY

Efficiency Ratio (YTD, annualized)

79.20%-52 bps YoY

Tier 1 Leverage Ratio

9.21%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.58%0.17%0.65%0.77%0.79%+21 bps
Return on Equity6.31%1.87%6.69%7.94%7.97%+166 bps
Net Interest Margin3.26%3.25%3.60%3.50%3.58%+32 bps
Efficiency Ratio79.72%80.42%83.78%82.13%79.20%-52 bps
Non-Interest Burden2.57%2.59%2.90%2.74%2.68%+10 bps
Growth
Asset Growth (YoY)13.15%3.01%3.05%-3.35%-10.37%-2,352 bps
Loan Growth (YoY)10.35%6.44%15.62%11.40%9.46%-88 bps
Deposit Growth (YoY)13.69%1.93%2.11%-4.15%-11.89%-2,558 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.02%-0.01%0.00%0.61%+59 bps
Allowance / Loans0.82%1.64%1.63%1.60%1.48%+66 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a8.75%8.83%9.21%n/a
Total Risk-Based Capital13.64%14.63%14.05%13.87%14.91%+127 bps
Equity / Assets9.03%9.89%9.60%9.70%10.49%+146 bps
Liquidity & Funding
Loans / Deposits54.14%60.90%60.65%62.42%67.27%+1,312 bps
Liquid Assets / Assets1.82%1.09%2.48%3.52%3.30%+147 bps
CRE / Total Capitaln/an/an/an/an/an/an/a