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Preston National Bank

Dallas, TX · Cert 26222

FDIC · 2 branches

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Preston National Bank

Dallas, TX · Cert 26222

FDIC · 2 branches

Q1 2016

$58.8MAssets
$55.5MLoans
$48.4MDeposits
$9.4MEquity
Loan mix
72%RE $35.8M24%C&I $12.1M3%Consumer $1.7MQ1 2015Q1 2016
Deposit mix
58%Interest-bearing $28.1M42%Noninterest $20.3MQ1 2015Q1 2016

NIM

6.00%Q1 ’145.97%Q1 ’155.74%Q1 ’16+0%-4%

Non-interest income vs. expense

4.37%Q1 ’144.02%Q1 ’153.94%Q1 ’16-5%+1%

Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.0% share · #124 of 160 inst. · $0.1B of $230.0B

Executive Summary

  • Earnings: ROA of 1.91%, down 10 bps year over year; NIM at 5.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.83%, up 116 bps from a year ago.
  • Funding: loans stand at 114.78% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

1.91%-10 bps YoY

Net Interest Margin (YTD, annualized)

5.49%-25 bps YoY

Efficiency Ratio (YTD, annualized)

67.73%+286 bps YoY

Tier 1 Leverage Ratio

14.83%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets2.02%2.05%2.13%2.19%1.91%-10 bps
Return on Equity14.50%14.69%15.23%15.59%12.58%-192 bps
Net Interest Margin5.74%5.71%5.67%5.66%5.49%-25 bps
Efficiency Ratio64.86%65.59%65.27%64.29%67.73%+286 bps
Non-Interest Burden3.55%3.58%3.54%3.47%3.60%+5 bps
Growth
Asset Growth (YoY)6.16%7.73%5.30%-1.02%-5.95%-1,211 bps
Loan Growth (YoY)16.37%14.42%6.06%-5.16%-6.95%-2,332 bps
Deposit Growth (YoY)-0.45%6.30%3.44%1.53%-3.20%-274 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.01%-0.01%0.00%+3 bps
Allowance / Loans1.35%1.32%1.30%1.37%1.45%+10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.67%13.84%13.69%13.98%14.83%+116 bps
Total Risk-Based Capital18.83%18.25%17.69%18.88%20.26%+143 bps
Equity / Assets14.24%13.95%14.06%14.54%15.96%+172 bps
Liquidity & Funding
Loans / Deposits119.41%112.22%117.79%107.94%114.78%-463 bps
Liquid Assets / Assets0.13%2.72%1.79%4.95%2.23%+210 bps
CRE / Total Capitaln/an/an/an/an/an/an/a