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Prosper State Bank

Prosper, TX · Cert 14485

FDIC · 2 branches

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

Prosper State Bank

Prosper, TX · Cert 14485

FDIC · 2 branches

Q2 2016

$80.1MAssets
$51.8MLoans
$67.1MDeposits
$9.1MEquity
Loan mix
81%RE $36.6M19%C&I $8.6M0%Consumer $0.1MQ2 2015Q2 2016
Deposit mix
80%Interest-bearing $53.9M20%Noninterest $13.2MQ2 2015Q2 2016

NIM

4.06%Q2 ’143.85%Q2 ’154.84%Q2 ’16-5%+26%

Non-interest income vs. expense

3.76%Q2 ’143.48%Q2 ’153.22%Q2 ’16+6%-27%

Market Position · Dallas-Fort Worth-Arlington, TX · 2016 SOD (annual) · 0.0% share · #109 of 159 inst. · $0.1B of $247.2B

Executive Summary

  • Earnings: ROA of 1.95%, up 35 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.26%, up 136 bps from a year ago.
  • Funding: loans stand at 77.16% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.95%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+90 bps YoY

Efficiency Ratio (YTD, annualized)

64.25%-3,648 bps YoY

Tier 1 Leverage Ratio

11.26%+136 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets1.59%1.19%1.08%1.31%1.95%+35 bps
Return on Equity16.19%11.88%10.77%12.62%18.23%+205 bps
Net Interest Margin3.40%3.45%3.46%3.55%4.30%+90 bps
Efficiency Ratio100.73%96.93%93.22%74.14%64.25%-3,648 bps
Non-Interest Burden3.42%3.33%3.20%2.47%2.50%-92 bps
Growth
Asset Growth (YoY)0.37%-1.05%6.28%2.13%2.43%+206 bps
Loan Growth (YoY)-1.23%6.73%19.54%22.06%31.22%+3,245 bps
Deposit Growth (YoY)-1.35%-0.36%3.72%0.84%-3.67%-232 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-3.48%-2.01%-1.42%0.01%-0.02%+346 bps
Allowance / Loans1.79%1.55%1.47%1.44%1.30%-49 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.90%10.03%10.14%10.27%11.26%+136 bps
Total Risk-Based Capital17.12%18.34%17.59%18.08%17.47%+35 bps
Equity / Assets10.31%10.55%9.96%10.78%11.32%+101 bps
Liquidity & Funding
Loans / Deposits56.64%63.89%64.73%65.49%77.16%+2,052 bps
Liquid Assets / Assets20.61%19.34%23.15%22.34%15.44%-518 bps
CRE / Total Capitaln/an/an/an/an/an/an/a