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Jourdanton State Bank

Jourdanton, TX · Cert 15879

FDIC · 4 branches

Q1 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: Q1 2016, the quarter ended March 31, 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

Jourdanton State Bank

Jourdanton, TX · Cert 15879

FDIC · 4 branches

Q1 2016

$176.4MAssets
$26.4MLoans
$155.2MDeposits
$19.2MEquity
Loan mix
65%RE $12.3M25%C&I $4.8M10%Consumer $1.9MQ1 2015Q1 2016
Deposit mix
55%Interest-bearing $84.9M45%Noninterest $70.3MQ1 2015Q1 2016

NIM

2.56%Q1 ’142.35%Q1 ’152.19%Q1 ’16-8%-7%

Non-interest income vs. expense

2.87%Q1 ’142.51%Q1 ’152.85%Q1 ’16-8%+17%

Market Position · San Antonio-New Braunfels, TX · 2015 SOD (annual) · 0.1% share · #26 of 62 inst. · $0.1B of $92.1B

16.1% Atascosa
0.0% Bexar
5.3% Frio

Executive Summary

  • Earnings: ROA of 0.32%, down 29 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.17%.
  • Capital: tier 1 leverage ratio of 10.90%, up 76 bps from a year ago.
  • Funding: loans stand at 16.99% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.32%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.17%-16 bps YoY

Efficiency Ratio (YTD, annualized)

87.21%+1,201 bps YoY

Tier 1 Leverage Ratio

10.90%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.61%0.64%0.60%0.67%0.32%-29 bps
Return on Equity6.09%6.21%5.69%6.33%3.00%-308 bps
Net Interest Margin2.33%2.34%2.39%2.33%2.17%-16 bps
Efficiency Ratio75.21%76.60%76.53%78.36%87.21%+1,201 bps
Non-Interest Burden1.49%1.54%1.57%1.59%1.74%+25 bps
Growth
Asset Growth (YoY)8.17%-0.22%0.81%-3.16%-3.54%-1,170 bps
Loan Growth (YoY)-8.03%-3.81%-8.35%-9.42%-11.04%-301 bps
Deposit Growth (YoY)7.08%-1.25%-0.34%-3.98%-4.35%-1,143 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%-0.03%0.22%0.20%-0.17%-13 bps
Allowance / Loans0.99%1.02%1.00%0.99%1.07%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.14%10.39%10.88%10.76%10.90%+76 bps
Total Risk-Based Capital27.10%28.02%30.03%28.60%28.12%+102 bps
Equity / Assets10.19%10.94%11.21%10.70%10.88%+70 bps
Liquidity & Funding
Loans / Deposits18.26%19.86%19.06%18.13%16.99%-128 bps
Liquid Assets / Assets5.72%4.43%6.67%4.89%7.65%+194 bps
CRE / Total Capitaln/an/an/an/an/an/an/a