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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 $1.6MQ3 2014Q2 2016
Deposit mix
76%Interest-bearing $11.6M24%Noninterest $3.6MQ3 2014Q2 2016

Executive Summary

  • Earnings: ROA of 1.14%, up 68 bps year over year; NIM at 3.88%.
  • 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 9.79%, down 3 bps from a year ago.
  • Funding: loans stand at 87.13% of deposits as of Q2 2016.

Return on Assets (quarter, annualized)

1.14%+68 bps YoY

Net Interest Margin (quarter, annualized)

3.88%+36 bps YoY

Efficiency Ratio (quarter, annualized)

67.03%-1,362 bps YoY

Tier 1 Leverage Ratio

9.79%-3 bps YoY

NIM

2.88%Q2 ’143.80%Q2 ’154.18%Q2 ’16+35%+10%

Non-interest income vs. expense

3.33%Q2 ’143.17%Q2 ’152.88%Q2 ’16-5%-11%

Discrete quarter, annualized.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.13%0.00%0.42%0.46%0.60%0.38%1.00%1.14%+68 bps
Return on Equity1.33%0.00%4.20%4.67%6.39%4.04%10.41%11.57%+690 bps
Net Interest Margin2.90%3.15%3.25%3.52%3.64%3.74%3.84%3.88%+36 bps
Efficiency Ratio95.93%97.14%87.23%80.65%78.11%89.14%68.18%67.03%-1,362 bps
Non-Interest Burden2.77%3.05%2.78%2.76%2.76%3.29%2.47%2.46%-30 bps
Growth
Asset Growth (YoY)14.80%18.21%16.59%9.55%10.40%10.86%8.80%5.12%-443 bps
Loan Growth (YoY)27.08%52.68%65.83%68.79%51.02%34.17%28.25%15.27%-5,352 bps
Deposit Growth (YoY)16.68%20.63%18.68%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.04%0.00%0.00%0.00%0.00%0.10%0.06%+6 bps
Allowance / Loans1.10%1.00%0.96%0.82%0.80%0.79%0.79%0.74%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a9.97%9.82%9.32%9.49%10.00%9.79%-3 bps
Total Risk-Based Capital19.46%17.43%16.29%15.14%14.20%13.82%14.29%13.70%-144 bps
Equity / Assets9.78%9.96%10.00%9.63%9.27%9.42%9.80%9.95%+32 bps
Liquidity & Funding
Loans / Deposits57.53%68.59%71.28%79.27%78.27%82.60%83.84%87.13%+786 bps
Liquid Assets / Assets43.21%34.74%30.69%24.13%24.57%20.50%19.77%17.77%-636 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a