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Snyder National Bank

Snyder, TX · Cert 14776

FDIC · 1 branch

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

Snyder National Bank

Snyder, TX · Cert 14776

FDIC · 1 branch

Q4 2019

$106.5MAssets
$33.3MLoans
$93.0MDeposits
$7.8MEquity
Loan mix
81%RE $16.3M7%C&I $1.5M11%Consumer $2.3MQ4 2018Q4 2019
Deposit mix
58%Interest-bearing $53.8M42%Noninterest $39.2MQ4 2018Q4 2019

NIM

2.77%Q4 ’172.98%Q4 ’183.30%Q4 ’19+6%+6%

Non-interest income vs. expense

2.43%Q4 ’172.62%Q4 ’183.15%Q4 ’19+5%+25%

Executive Summary

  • Earnings: ROA of 0.29%, down 15 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.24% of loans (+3 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 7.31%, down 356 bps from a year ago.
  • Funding: loans stand at 35.82% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

0.29%-15 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+16 bps YoY

Efficiency Ratio (YTD, annualized)

99.08%+1,359 bps YoY

Tier 1 Leverage Ratio

7.31%-356 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.43%-0.09%0.75%0.83%0.29%-15 bps
Return on Equity4.07%-0.87%6.74%7.37%2.73%-134 bps
Net Interest Margin2.79%3.03%3.01%2.95%2.95%+16 bps
Efficiency Ratio85.50%85.67%83.82%83.59%99.08%+1,359 bps
Non-Interest Burden2.34%2.57%2.48%2.43%2.92%+57 bps
Growth
Asset Growth (YoY)-5.58%-1.56%-0.70%0.57%-4.64%+94 bps
Loan Growth (YoY)-15.26%0.74%-6.05%-12.33%-16.64%-139 bps
Deposit Growth (YoY)-6.55%-2.09%-1.78%-0.39%-5.94%+62 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.21%0.45%0.23%0.24%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.31%0.25%+25 bps
Allowance / Loans1.05%1.45%0.54%0.48%0.52%-54 bps
Allowance Coverage of NPLs5.0x6.8x1.2x2.1x2.1x-2.9x
Capital
Tier 1 Leverage Ratio10.87%11.07%11.46%11.63%7.31%-356 bps
Total Risk-Based Capital23.51%23.79%25.69%30.01%19.87%-364 bps
Equity / Assets10.66%10.89%11.65%11.65%7.31%-335 bps
Liquidity & Funding
Loans / Deposits40.42%40.31%39.40%37.12%35.82%-460 bps
Liquid Assets / Assets10.00%9.68%13.33%41.43%66.16%+5,617 bps
CRE / Total Capitaln/an/an/an/an/an/an/a