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First Bank & Trust East Texas

Diboll, TX · Cert 17233

FDIC · 17 branches

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

First Bank & Trust East Texas

Diboll, TX · Cert 17233

FDIC · 17 branches

Q3 2017

$1.0BAssets
$642.5MLoans
$895.6MDeposits
$104.2MEquity
Loan mix
73%RE $379.0M16%C&I $82.8M10%Consumer $54.0MQ3 2016Q3 2017
Deposit mix
64%Interest-bearing $568.8M36%Noninterest $326.8MQ3 2016Q3 2017

NIM

3.88%Q3 ’153.76%Q3 ’163.88%Q3 ’17-3%+3%

Non-interest income vs. expense

2.98%Q3 ’152.85%Q3 ’162.85%Q3 ’17-6%+3%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2017 SOD (annual) · 0.1% share · #64 of 97 inst. · $0.1B of $240.9B

30.2% Angelina
10.4% Nacogdoches
11.0% Liberty
20.7% Jasper

Executive Summary

  • Earnings: ROA of 1.17%, down 10 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.47% of loans (+47 bps YoY), with net charge-offs at 0.52%.
  • Capital: tier 1 leverage ratio of 9.84%, up 58 bps from a year ago.
  • Funding: loans stand at 71.74% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

1.17%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+11 bps YoY

Efficiency Ratio (YTD, annualized)

58.50%-81 bps YoY

Tier 1 Leverage Ratio

9.84%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets1.26%1.25%1.02%1.12%1.17%-10 bps
Return on Equity12.75%12.58%10.33%11.13%11.55%-120 bps
Net Interest Margin3.68%3.64%3.73%3.75%3.80%+11 bps
Efficiency Ratio59.30%59.94%60.16%59.59%58.50%-81 bps
Non-Interest Burden1.70%1.73%1.78%1.77%1.75%+5 bps
Growth
Asset Growth (YoY)9.17%0.25%4.25%2.47%-1.23%-1,040 bps
Loan Growth (YoY)3.91%3.17%4.99%4.51%-0.40%-432 bps
Deposit Growth (YoY)9.36%-0.34%4.38%2.39%-1.94%-1,130 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.74%0.56%0.47%+47 bps
Net Charge-Offs / Loans0.17%0.18%0.68%0.51%0.52%+35 bps
Allowance / Loans1.17%1.19%1.14%1.14%1.14%-3 bps
Allowance Coverage of NPLsn/an/a1.5x2.0x2.4xn/a
Capital
Tier 1 Leverage Ratio9.27%9.17%9.51%9.64%9.84%+58 bps
Total Risk-Based Capital13.92%14.13%13.99%14.31%15.25%+132 bps
Equity / Assets9.93%9.96%9.85%10.28%10.37%+44 bps
Liquidity & Funding
Loans / Deposits70.63%72.74%72.62%74.43%71.74%+111 bps
Liquid Assets / Assets6.91%2.84%4.46%3.81%7.04%+13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a