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Texas State Bank

Joaquin, TX · Cert 12504

FDIC · 7 branches

Q4 2018

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 2018, the quarter ended December 31, 2018, 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

Texas State Bank

Joaquin, TX · Cert 12504

FDIC · 7 branches

Q4 2018

$121.0MAssets
$92.6MLoans
$106.0MDeposits
$14.3MEquity
Loan mix
61%RE $51.8M32%C&I $27.0M8%Consumer $6.6MQ4 2017Q4 2018
Deposit mix
55%Interest-bearing $58.1M45%Noninterest $47.9MQ4 2017Q4 2018

NIM

4.38%Q4 ’164.54%Q4 ’171.21%Q4 ’18+3%-73%

Non-interest income vs. expense

4.72%Q4 ’164.48%Q4 ’171.00%Q4 ’18-5%-79%

Executive Summary

  • Earnings: ROA of 0.30%, down 58 bps year over year; NIM at 1.17%.
  • Asset quality: problem loans at 0.75% of loans (+47 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 8.58%, down 43 bps from a year ago.
  • Funding: loans stand at 87.35% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.30%-58 bps YoY

Net Interest Margin (YTD, annualized)

1.17%-319 bps YoY

Efficiency Ratio (YTD, annualized)

68.29%-1,266 bps YoY

Tier 1 Leverage Ratio

8.58%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.88%0.74%0.85%0.36%0.30%-58 bps
Return on Equity9.20%8.50%9.71%4.07%3.22%-598 bps
Net Interest Margin4.36%4.27%4.23%4.46%1.17%-319 bps
Efficiency Ratio80.95%80.99%80.10%92.74%68.29%-1,266 bps
Non-Interest Burden3.29%3.23%3.15%4.04%0.68%-261 bps
Growth
Asset Growth (YoY)10.66%17.46%13.07%6.41%-4.55%-1,521 bps
Loan Growth (YoY)-5.97%-4.53%-1.01%0.13%2.91%+888 bps
Deposit Growth (YoY)11.41%19.07%14.18%6.73%-7.90%-1,932 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.37%0.62%0.63%0.75%+47 bps
Net Charge-Offs / Loans0.05%0.34%0.16%0.13%0.10%+5 bps
Allowance / Loans0.84%0.84%0.87%0.75%0.21%-63 bps
Allowance Coverage of NPLs3.0x2.3x1.4x1.2x0.3x-2.7x
Capital
Tier 1 Leverage Ratio9.01%8.78%8.49%8.19%8.58%-43 bps
Total Risk-Based Capital13.41%13.89%13.39%12.15%11.87%-154 bps
Equity / Assets9.01%8.48%8.88%8.55%11.82%+281 bps
Liquidity & Funding
Loans / Deposits78.18%71.54%77.55%82.16%87.35%+918 bps
Liquid Assets / Assets21.27%28.58%21.09%17.80%7.64%-1,363 bps
CRE / Total Capitaln/an/an/an/an/an/an/a