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Inter National Bank

McAllen, TX · Cert 25879

FDIC · 20 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Inter National Bank

McAllen, TX · Cert 25879

FDIC · 20 branches

Q3 2018

$1.4BAssets
$1.0BLoans
$1.1BDeposits
$217.4MEquity
Loan mix
87%RE $537.4M11%C&I $70.5M1%Consumer $7.4MQ3 2017Q3 2018
Deposit mix
57%Interest-bearing $647.6M43%Noninterest $496.5MQ3 2017Q3 2018

NIM

3.34%Q3 ’163.25%Q3 ’174.93%Q3 ’18-11%+49%

Non-interest income vs. expense

2.53%Q3 ’162.19%Q3 ’173.22%Q3 ’18-10%+44%

Market Position · McAllen-Edinburg-Mission, TX · 2018 SOD (annual) · 8.9% share · #4 of 21 inst. · $0.8B of $9.5B

8.9% Hidalgo
2.4% El Paso
1.0% Webb
0.5% Cameron

Executive Summary

  • Earnings: ROA of 1.60%, up 65 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.50% of loans (+34 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 15.29%, up 79 bps from a year ago.
  • Funding: loans stand at 90.94% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

1.60%+65 bps YoY

Net Interest Margin (YTD, annualized)

4.66%+153 bps YoY

Efficiency Ratio (YTD, annualized)

55.47%-112 bps YoY

Tier 1 Leverage Ratio

15.29%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.95%1.14%1.62%1.59%1.60%+65 bps
Return on Equity6.53%7.74%10.63%10.25%10.27%+374 bps
Net Interest Margin3.13%3.48%4.44%4.46%4.66%+153 bps
Efficiency Ratio56.59%55.74%53.62%54.02%55.47%-112 bps
Non-Interest Burden1.57%1.71%2.03%2.07%2.27%+70 bps
Growth
Asset Growth (YoY)-16.84%-15.37%-9.88%-7.81%-3.80%+1,304 bps
Loan Growth (YoY)-2.69%-4.73%0.87%2.43%6.66%+934 bps
Deposit Growth (YoY)-2.47%-10.77%-6.48%-4.75%-3.76%-130 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.18%0.50%0.42%0.50%+34 bps
Net Charge-Offs / Loans-0.03%0.02%0.01%0.01%0.01%+4 bps
Allowance / Loans0.13%0.18%0.29%0.43%0.52%+40 bps
Allowance Coverage of NPLs0.8x1.0x0.6x1.0x1.1x+0.2x
Capital
Tier 1 Leverage Ratio14.50%14.32%14.72%14.89%15.29%+79 bps
Total Risk-Based Capital19.06%18.36%18.18%18.84%18.93%-14 bps
Equity / Assets15.39%15.27%15.29%15.86%15.91%+52 bps
Liquidity & Funding
Loans / Deposits82.06%87.22%89.42%91.48%90.94%+888 bps
Liquid Assets / Assets11.59%7.12%6.09%4.94%6.35%-524 bps
CRE / Total Capitaln/an/an/an/an/an/an/a