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Community State Bank

Boling, TX · Cert 20349

FDIC

Q2 2013

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: Q2 2013, the quarter ended June 30, 2013, 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

Community State Bank

Boling, TX · Cert 20349

FDIC

Q2 2013

$665.2MAssets
$503.5MLoans
$508.9MDeposits
$85.1MEquity
Loan mix
68%RE $265.7M30%C&I $119.9M2%Consumer $7.7MQ2 2012Q2 2013
Deposit mix
64%Interest-bearing $325.0M36%Noninterest $183.9MQ2 2012Q2 2013

NIM

4.26%Q2 ’114.14%Q2 ’124.22%Q2 ’13+4%+6%

Non-interest income vs. expense

2.67%Q2 ’112.84%Q2 ’122.75%Q2 ’13+2%+3%

Executive Summary

  • Earnings: ROA of 0.80%, up 7 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 98.92% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

0.80%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+23 bps YoY

Efficiency Ratio (YTD, annualized)

66.76%-351 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.73%0.74%0.75%0.68%0.80%+7 bps
Return on Equity5.47%5.52%5.56%5.01%6.04%+57 bps
Net Interest Margin3.63%3.75%3.70%4.00%3.86%+23 bps
Efficiency Ratio70.27%70.05%70.06%71.54%66.76%-351 bps
Non-Interest Burden2.48%2.57%2.54%2.84%2.55%+7 bps
Growth
Asset Growth (YoY)24.76%1.14%-1.94%6.35%14.14%-1,062 bps
Loan Growth (YoY)32.07%20.41%22.17%26.46%20.81%-1,125 bps
Deposit Growth (YoY)26.40%0.81%-2.80%5.61%13.32%-1,307 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.04%0.05%0.04%0.05%-2 bps
Allowance / Loans1.27%1.20%1.16%1.14%1.17%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.13%17.12%16.60%15.50%15.59%-253 bps
Equity / Assets13.83%14.03%13.74%13.32%12.79%-103 bps
Liquidity & Funding
Loans / Deposits92.79%100.61%100.35%102.47%98.92%+613 bps
Liquid Assets / Assets14.52%9.01%9.01%9.35%13.24%-128 bps
CRE / Total Capitaln/an/an/an/an/an/an/a