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 0.37%, down 70 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.77%.
  • Funding: loans stand at 50.46% of deposits as of Q2 2013.

Return on Assets (YTD, annualized)

0.37%1-70 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-10 bps YoY

Efficiency Ratio (YTD, annualized)

97.66%+1,868 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.04%Q2 ’113.80%Q2 ’123.56%Q2 ’13-1%-3%

Non-interest income vs. expense

3.36%Q2 ’113.03%Q2 ’123.55%Q2 ’13-15%+24%

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.65%0.57%1.07%1.07%0.97%0.90%0.66%10.37%1-70 bps
Return on Equity6.55%5.72%10.61%10.18%9.21%8.53%6.31%3.48%-670 bps
Net Interest Margin3.22%3.08%3.21%3.41%3.46%3.25%3.16%3.30%-10 bps
Efficiency Ratio88.30%89.04%84.78%78.99%78.95%80.67%92.69%97.66%+1,868 bps
Non-Interest Burden2.80%2.71%2.66%2.60%2.64%2.53%2.91%3.22%+62 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 / Loans-0.05%-0.02%0.00%-0.10%0.14%0.15%-0.04%0.77%+87 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