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First State Bank

New Braunfels, TX · Cert 2413

FDIC

Q3 2012

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 2012, the quarter ended September 30, 2012, 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 State Bank

New Braunfels, TX · Cert 2413

FDIC

Q3 2012

$248.6MAssets
$192.9MLoans
$225.7MDeposits
$21.7MEquity
Loan mix
82%RE $126.2M16%C&I $25.2M2%Consumer $3.3MQ3 2011Q3 2012
Deposit mix
76%Interest-bearing $170.4M24%Noninterest $55.3MQ3 2011Q3 2012

NIM

5.52%Q3 ’105.50%Q3 ’115.22%Q3 ’12+3%-1%

Non-interest income vs. expense

3.19%Q3 ’103.17%Q3 ’113.67%Q3 ’12+1%+22%

Executive Summary

  • Earnings: ROA of 1.01%, down 62 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 85.49% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

1.01%-62 bps YoY

Net Interest Margin (YTD, annualized)

4.50%-5 bps YoY

Efficiency Ratio (YTD, annualized)

74.09%+1,176 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.63%1.66%1.47%1.45%1.01%-62 bps
Return on Equity16.21%16.28%13.63%13.20%9.62%-659 bps
Net Interest Margin4.54%4.46%4.41%4.46%4.50%-5 bps
Efficiency Ratio62.33%61.77%63.88%64.51%74.09%+1,176 bps
Non-Interest Burden2.63%2.55%2.66%2.73%3.21%+58 bps
Growth
Asset Growth (YoY)2.57%-3.44%1.00%0.30%-8.10%-1,067 bps
Loan Growth (YoY)-0.19%-3.00%-3.55%-4.56%-5.85%-566 bps
Deposit Growth (YoY)3.67%-3.02%-0.03%-0.23%-3.62%-728 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.26%0.20%-0.02%0.00%0.03%-23 bps
Allowance / Loans1.18%1.30%1.41%1.51%1.61%+43 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 Capital14.19%14.81%15.37%15.90%11.78%-241 bps
Equity / Assets10.60%10.67%10.93%11.32%8.73%-188 bps
Liquidity & Funding
Loans / Deposits87.52%84.74%84.49%85.18%85.49%-203 bps
Liquid Assets / Assets10.55%13.83%14.41%14.20%9.38%-118 bps
CRE / Total Capitaln/an/an/an/an/an/an/a