PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City State Bank of Palacios, The

Palacios, TX · Cert 15764

FDIC

Q2 2013

$52.0MAssets
$23.3MLoans
$46.3MDeposits
$5.5MEquity
Loan mix
86%RE $11.7M5%C&I $0.7M9%Consumer $1.2MQ3 2011Q2 2013
Deposit mix
59%Interest-bearing $27.1M41%Noninterest $19.2MQ3 2011Q2 2013

Executive Summary

  • Earnings: ROA of 0.05%, down 100 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.58%.
  • Funding: loans stand at 50.46% of deposits as of Q2 2013.

Return on Assets (quarter, annualized)

0.05%-100 bps YoY

Net Interest Margin (quarter, annualized)

3.33%-25 bps YoY

Efficiency Ratio (quarter, annualized)

102.38%+2,863 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.18%Q2 ’113.95%Q2 ’123.56%Q2 ’130%-7%

Non-interest income vs. expense

3.38%Q2 ’112.97%Q2 ’123.82%Q2 ’13-22%+36%

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.73%10.32%1.07%1.06%0.82%0.68%0.66%10.05%-100 bps
Return on Equity7.38%3.28%10.61%9.77%7.36%6.45%6.31%0.49%-928 bps
Net Interest Margin3.14%2.98%3.21%3.58%3.45%3.11%3.16%3.33%-25 bps
Efficiency Ratio85.11%91.24%84.78%73.75%78.87%85.96%92.69%102.38%+2,863 bps
Non-Interest Burden2.61%2.68%2.66%2.52%2.63%2.60%2.91%3.42%+90 bps
Growth
Asset Growth (YoY)17.77%11.64%6.92%-2.17%-2.41%3.31%-2.31%-0.12%+205 bps
Loan Growth (YoY)-10.41%-0.29%3.20%8.73%5.35%8.83%-1.19%-6.95%-1,568 bps
Deposit Growth (YoY)19.57%11.53%6.47%-3.69%-4.17%2.61%-2.88%1.32%+501 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 / Loans0.18%0.06%0.00%-0.21%0.68%0.18%-0.04%1.58%+178 bps
Allowance / Loans2.20%2.20%1.61%1.55%1.78%1.68%1.78%1.32%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital28.46%28.64%21.65%26.34%25.52%26.00%23.40%26.30%-4 bps
Equity / Assets9.71%9.89%10.26%11.39%10.86%10.27%10.73%10.56%-83 bps
Liquidity & Funding
Loans / Deposits38.73%39.61%44.66%54.94%42.58%42.01%45.43%50.46%-449 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.91%0.96%+96 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a