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Western National Bank

Odessa, TX · Cert 22482

FDIC

Q1 2014

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 2014, the quarter ended March 31, 2014, 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

Western National Bank

Odessa, TX · Cert 22482

FDIC

Q1 2014

$1.5BAssets
$679.2MLoans
$1.3BDeposits
$94.7MEquity
Loan mix
34%RE $227.3M65%C&I $433.6M1%Consumer $5.7MQ1 2013Q1 2014
Deposit mix
52%Interest-bearing $697.3M48%Noninterest $645.6MQ1 2013Q1 2014

NIM

3.65%Q1 ’123.28%Q1 ’132.42%Q1 ’14-7%-27%

Non-interest income vs. expense

1.77%Q1 ’121.64%Q1 ’131.47%Q1 ’14-17%-2%

Executive Summary

  • Earnings: ROA of 1.37%, down 54 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 50.57% of deposits as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

1.37%-54 bps YoY

Net Interest Margin (YTD, annualized)

2.27%-82 bps YoY

Efficiency Ratio (YTD, annualized)

58.37%+1,134 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets1.91%2.13%0.00%0.40%1.37%-54 bps
Return on Equity21.90%25.74%-0.01%5.18%19.72%-218 bps
Net Interest Margin3.09%3.05%2.90%2.63%2.27%-82 bps
Efficiency Ratio47.03%45.96%47.96%49.86%58.37%+1,134 bps
Non-Interest Burden1.24%1.23%1.23%1.17%1.22%-2 bps
Growth
Asset Growth (YoY)16.20%15.44%22.07%7.52%4.53%-1,167 bps
Loan Growth (YoY)5.08%-3.86%-3.89%9.22%3.77%-131 bps
Deposit Growth (YoY)15.62%14.39%27.56%10.63%9.80%-582 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%-0.42%-1.00%-0.84%-0.01%+3 bps
Allowance / Loans1.46%1.38%1.33%1.12%0.97%-48 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 Capital15.63%15.64%16.14%15.78%13.77%-186 bps
Equity / Assets8.66%7.46%6.85%7.35%6.48%-218 bps
Liquidity & Funding
Loans / Deposits53.51%52.84%46.90%51.18%50.57%-294 bps
Liquid Assets / Assets3.62%3.19%42.08%38.24%36.75%+3,313 bps
CRE / Total Capitaln/an/an/an/an/an/an/a