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Muleshoe State Bank

Muleshoe, TX · Cert 11939

FDIC · 2 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

Muleshoe State Bank

Muleshoe, TX · Cert 11939

FDIC · 2 branches

Q1 2017

$113.4MAssets
$49.3MLoans
$103.8MDeposits
$8.6MEquity
Loan mix
39%RE $13.2M46%C&I $15.8M15%Consumer $5.1MQ1 2016Q1 2017
Deposit mix
62%Interest-bearing $63.9M38%Noninterest $39.8MQ1 2016Q1 2017

NIM

2.81%Q1 ’153.02%Q1 ’162.77%Q1 ’17+10%-9%

Non-interest income vs. expense

2.69%Q1 ’152.75%Q1 ’165.15%Q1 ’17+4%+81%

Executive Summary

  • Earnings: ROA of -0.18%, down 71 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 7.55%, up 24 bps from a year ago.
  • Funding: loans stand at 47.50% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.18%-71 bps YoY

Net Interest Margin (YTD, annualized)

2.66%-26 bps YoY

Efficiency Ratio (YTD, annualized)

134.62%+5,540 bps YoY

Tier 1 Leverage Ratio

7.55%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.53%0.53%0.53%0.53%-0.18%-71 bps
Return on Equity7.00%6.97%6.84%6.79%-2.35%-935 bps
Net Interest Margin2.92%2.98%3.11%3.01%2.66%-26 bps
Efficiency Ratio79.23%78.96%79.47%81.04%134.62%+5,540 bps
Non-Interest Burden2.20%2.24%2.35%2.34%3.98%+178 bps
Growth
Asset Growth (YoY)-1.28%-0.96%-3.92%-6.73%3.63%+491 bps
Loan Growth (YoY)10.42%-3.99%-4.23%-8.11%7.28%-314 bps
Deposit Growth (YoY)-1.80%1.60%-10.75%-7.64%3.98%+579 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%-0.29%-0.15%-0.11%0.06%+3 bps
Allowance / Loans1.14%1.42%1.31%1.37%1.24%+10 bps
Allowance Coverage of NPLsn/an/an/an/a306.0xn/an/a
Capital
Tier 1 Leverage Ratio7.31%7.47%7.94%7.82%7.55%+24 bps
Total Risk-Based Capital13.28%14.08%13.65%14.10%14.90%+162 bps
Equity / Assets7.84%7.92%7.99%8.07%7.57%-27 bps
Liquidity & Funding
Loans / Deposits46.04%44.34%52.48%47.48%47.50%+146 bps
Liquid Assets / Assets41.12%43.09%38.56%38.66%45.97%+485 bps
CRE / Total Capitaln/an/an/an/an/an/an/a