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Mainland Bank

Texas City, TX · Cert 16308

FDIC · 3 branches

Q4 2018

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 2018, the quarter ended December 31, 2018, 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

Mainland Bank

Texas City, TX · Cert 16308

FDIC · 3 branches

Q4 2018

$134.1MAssets
$81.8MLoans
$115.4MDeposits
$13.4MEquity
Loan mix
44%RE $32.3M54%C&I $39.6M1%Consumer $0.9MQ4 2017Q4 2018
Deposit mix
45%Interest-bearing $51.7M55%Noninterest $63.7MQ4 2017Q4 2018

NIM

4.19%Q4 ’164.48%Q4 ’174.23%Q4 ’18+7%-5%

Non-interest income vs. expense

2.89%Q4 ’163.06%Q4 ’173.04%Q4 ’18+62%+0%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2018 SOD (annual) · 0.0% share · #68 of 97 inst. · $0.1B of $245.7B

2.0% Galveston
0.0% Harris

Executive Summary

  • Earnings: ROA of 1.10%, down 41 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.10% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 10.33%, up 14 bps from a year ago.
  • Funding: loans stand at 70.86% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

1.10%-41 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-23 bps YoY

Efficiency Ratio (YTD, annualized)

69.47%+350 bps YoY

Tier 1 Leverage Ratio

10.33%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets1.51%0.95%1.09%1.19%1.10%-41 bps
Return on Equity15.21%9.98%11.38%12.51%11.46%-376 bps
Net Interest Margin4.27%4.28%4.09%4.08%4.04%-23 bps
Efficiency Ratio65.96%72.32%69.11%66.92%69.47%+350 bps
Non-Interest Burden2.70%3.03%2.75%2.60%2.70%+1 bps
Growth
Asset Growth (YoY)-2.01%-1.18%3.38%7.70%4.91%+692 bps
Loan Growth (YoY)-2.85%-11.96%-7.34%-14.58%-13.28%-1,043 bps
Deposit Growth (YoY)-2.45%3.04%2.40%8.37%4.82%+727 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.53%0.10%0.10%0 bps
Net Charge-Offs / Loans0.23%-0.13%-0.11%-0.08%-0.06%-30 bps
Allowance / Loans1.17%1.24%1.30%1.40%1.41%+24 bps
Allowance Coverage of NPLs11.8x13.5x2.4x14.2x14.6x+2.7x
Capital
Tier 1 Leverage Ratio10.20%10.29%10.05%10.33%10.33%+14 bps
Total Risk-Based Capital13.15%13.27%13.66%14.32%14.88%+173 bps
Equity / Assets10.07%9.08%9.66%9.30%9.97%-10 bps
Liquidity & Funding
Loans / Deposits85.65%78.90%78.66%67.53%70.86%-1,479 bps
Liquid Assets / Assets0.01%0.01%0.02%20.09%9.32%+930 bps
CRE / Total Capitaln/an/an/an/an/an/an/a