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Bloomburg State Bank

Bloomburg, TX · Cert 13563

FDIC · 1 branch

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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

Bloomburg State Bank

Bloomburg, TX · Cert 13563

FDIC · 1 branch

Q2 2016

$16.9MAssets
$13.3MLoans
$15.2MDeposits
$1.7MEquity
Loan mix
41%RE $4.4M44%C&I $4.7M15%Consumer $1.6MQ2 2015Q2 2016
Deposit mix
76%Interest-bearing $11.6M24%Noninterest $3.6MQ2 2015Q2 2016

NIM

2.87%Q2 ’143.60%Q2 ’154.08%Q2 ’16+28%+13%

Non-interest income vs. expense

3.09%Q2 ’143.14%Q2 ’152.84%Q2 ’16+1%-12%

Executive Summary

  • Earnings: ROA of 1.07%, up 63 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.79%, down 3 bps from a year ago.
  • Funding: loans stand at 87.13% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.07%+63 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+42 bps YoY

Efficiency Ratio (YTD, annualized)

67.59%-1,619 bps YoY

Tier 1 Leverage Ratio

9.79%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.44%0.49%0.47%1.00%1.07%+63 bps
Return on Equity4.43%5.09%4.83%10.41%10.99%+656 bps
Net Interest Margin3.34%3.29%3.43%3.84%3.77%+42 bps
Efficiency Ratio83.78%81.72%83.75%68.18%67.59%-1,619 bps
Non-Interest Burden2.74%2.62%2.81%2.47%2.41%-33 bps
Growth
Asset Growth (YoY)9.55%10.40%10.86%8.80%5.12%-443 bps
Loan Growth (YoY)68.79%51.02%34.17%28.25%15.27%-5,352 bps
Deposit Growth (YoY)10.33%11.00%11.41%9.04%4.87%-546 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.10%0.08%+8 bps
Allowance / Loans0.82%0.80%0.79%0.79%0.74%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.82%9.32%9.49%10.00%9.79%-3 bps
Total Risk-Based Capital15.14%14.20%13.82%14.29%13.70%-144 bps
Equity / Assets9.63%9.27%9.42%9.80%9.95%+32 bps
Liquidity & Funding
Loans / Deposits79.27%78.27%82.60%83.84%87.13%+786 bps
Liquid Assets / Assets24.13%24.57%20.50%19.77%17.77%-636 bps
CRE / Total Capitaln/an/an/an/an/an/an/a