PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.30%Q2 ’114.20%Q2 ’124.30%Q2 ’13+5%+6%

Non-interest income vs. expense

2.69%Q2 ’112.77%Q2 ’122.62%Q2 ’13-5%+4%

Executive Summary

  • Earnings: ROA of 0.92%, down 1 bps year over year; NIM at 3.95%.
  • 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 (quarter, annualized)

0.92%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+23 bps YoY

Efficiency Ratio (quarter, annualized)

62.18%-323 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.93%0.78%0.79%0.68%0.92%-1 bps
Return on Equity6.85%5.62%5.69%5.01%7.06%+21 bps
Net Interest Margin3.72%3.92%3.99%4.00%3.95%+23 bps
Efficiency Ratio65.41%69.61%70.11%71.54%62.18%-323 bps
Non-Interest Burden2.31%2.69%2.75%2.84%2.42%+10 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 / Loans0.03%0.00%0.09%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