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First State Bank

Bremond, TX · Cert 1176

FDIC · 5 branches

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

Bremond, TX · Cert 1176

FDIC · 5 branches

Q4 2014

$264.0MAssets
$176.3MLoans
$199.1MDeposits
$27.1MEquity
Loan mix
75%RE $59.5M15%C&I $12.3M9%Consumer $7.4MQ4 2013Q4 2014
Deposit mix
79%Interest-bearing $156.6M21%Noninterest $42.5MQ4 2013Q4 2014

NIM

4.35%Q4 ’125.04%Q4 ’134.12%Q4 ’14+18%-18%

Non-interest income vs. expense

2.47%Q4 ’123.36%Q4 ’133.11%Q4 ’14+42%+5%

Market Position · College Station-Bryan, TX · 2014 SOD (annual) · 3.9% share · #9 of 21 inst. · $0.2B of $5.0B

53.0% Robertson
0.0% Travis

Executive Summary

  • Earnings: ROA of 0.78%, down 42 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 88.55% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.78%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-83 bps YoY

Efficiency Ratio (YTD, annualized)

71.45%+1,108 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets1.19%0.66%0.80%0.83%0.78%-42 bps
Return on Equity13.11%6.24%7.67%7.82%7.36%-575 bps
Net Interest Margin4.66%3.59%3.69%3.84%3.83%-83 bps
Efficiency Ratio60.37%75.29%70.25%69.55%71.45%+1,108 bps
Non-Interest Burden2.45%2.59%2.44%2.52%2.58%+13 bps
Growth
Asset Growth (YoY)-24.33%-14.68%-8.20%5.62%10.42%+3,475 bps
Loan Growth (YoY)-43.01%-29.69%-12.05%28.64%30.80%+7,382 bps
Deposit Growth (YoY)-4.22%-0.05%-0.08%1.05%-3.53%+69 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.00%0.04%0.07%0.05%0 bps
Allowance / Loans0.87%0.87%0.65%0.71%0.64%-23 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 Capital17.98%18.19%14.94%16.93%15.08%-290 bps
Equity / Assets10.23%10.93%10.06%11.26%10.26%+3 bps
Liquidity & Funding
Loans / Deposits65.31%67.43%88.60%80.61%88.55%+2,324 bps
Liquid Assets / Assets11.05%6.00%3.05%2.81%2.92%-813 bps
CRE / Total Capitaln/an/an/an/an/an/an/a