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Community State Bank

Austin, TX · Cert 11561

FDIC · 25 branches

Q1 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: Q1 2017, the quarter ended March 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

Community State Bank

Austin, TX · Cert 11561

FDIC · 25 branches

Q1 2017

$2.2BAssets
$1.4BLoans
$1.8BDeposits
$303.6MEquity
Loan mix
74%RE $771.9M24%C&I $251.9M2%Consumer $15.7MQ1 2016Q1 2017
Deposit mix
92%Interest-bearing $1.7B8%Noninterest $0.2BQ1 2016Q1 2017

NIM

3.60%Q1 ’153.58%Q1 ’163.65%Q1 ’170%+1%

Non-interest income vs. expense

2.99%Q1 ’153.04%Q1 ’162.99%Q1 ’17-1%-3%

Market Position · Dallas-Fort Worth-Arlington, TX · 2016 SOD (annual) · 0.5% share · #22 of 159 inst. · $1.3B of $247.2B

7.6% Denton
9.4% Johnson
13.1% Hood
0.3% Tarrant

Executive Summary

  • Earnings: ROA of 1.22%, up 19 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.78% of loans (+78 bps YoY), with net charge-offs at 3.79%.
  • Capital: tier 1 leverage ratio of 8.63%, down 114 bps from a year ago.
  • Funding: loans stand at 76.48% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

1.22%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+3 bps YoY

Efficiency Ratio (YTD, annualized)

61.91%-141 bps YoY

Tier 1 Leverage Ratio

8.63%-114 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets1.03%1.15%1.21%0.98%1.22%+19 bps
Return on Equity7.14%7.87%8.19%6.68%8.61%+146 bps
Net Interest Margin3.63%3.70%3.72%3.83%3.66%+3 bps
Efficiency Ratio63.32%62.07%61.45%63.46%61.91%-141 bps
Non-Interest Burden1.78%1.70%1.64%1.90%1.72%-6 bps
Growth
Asset Growth (YoY)-3.69%-1.61%0.58%27.88%29.79%+3,348 bps
Loan Growth (YoY)-2.93%3.90%12.56%48.00%41.45%+4,439 bps
Deposit Growth (YoY)-3.46%-2.94%0.48%28.33%32.14%+3,560 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.78%+78 bps
Net Charge-Offs / Loans0.02%0.07%0.05%0.02%3.79%+376 bps
Allowance / Loans0.94%0.92%0.88%1.99%1.12%+18 bps
Allowance Coverage of NPLsn/an/an/an/a1.4xn/an/a
Capital
Tier 1 Leverage Ratio9.77%9.74%9.85%8.67%8.63%-114 bps
Total Risk-Based Capital14.33%13.83%12.97%12.61%12.04%-229 bps
Equity / Assets14.74%15.15%14.90%14.29%14.00%-74 bps
Liquidity & Funding
Loans / Deposits71.45%77.83%80.76%78.90%76.48%+503 bps
Liquid Assets / Assets8.12%3.85%2.32%3.63%5.37%-275 bps
CRE / Total Capitaln/an/an/an/an/an/an/a