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State Bank and Trust Company, Dallas

Dallas, TX · Cert 26283

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

State Bank and Trust Company, Dallas

Dallas, TX · Cert 26283

FDIC

Q1 2014

$195.8MAssets
$127.1MLoans
$162.2MDeposits
$25.0MEquity
Loan mix
71%RE $77.4M29%C&I $31.2M0%Consumer $0.3MQ1 2013Q1 2014
Deposit mix
53%Interest-bearing $86.1M47%Noninterest $76.2MQ1 2013Q1 2014

NIM

4.70%Q1 ’123.83%Q1 ’133.43%Q1 ’14-19%-11%

Non-interest income vs. expense

2.70%Q1 ’122.23%Q1 ’132.89%Q1 ’14-19%+36%

Executive Summary

  • Earnings: ROA of 0.19%, down 108 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.32%.
  • Funding: loans stand at 78.32% of deposits as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

0.19%-108 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-35 bps YoY

Efficiency Ratio (YTD, annualized)

87.98%+2,644 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 Assets1.27%1.21%0.90%0.02%0.19%-108 bps
Return on Equity10.90%10.12%7.40%0.15%1.47%-942 bps
Net Interest Margin3.20%3.38%3.31%3.28%2.86%-35 bps
Efficiency Ratio61.55%59.80%65.35%69.67%87.98%+2,644 bps
Non-Interest Burden1.81%1.87%2.03%2.17%2.46%+65 bps
Growth
Asset Growth (YoY)5.03%-5.80%-9.14%-17.06%-8.25%-1,328 bps
Loan Growth (YoY)-6.21%-7.02%-11.20%-15.22%-18.10%-1,189 bps
Deposit Growth (YoY)5.86%-6.44%-9.03%-17.46%-7.40%-1,326 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%-0.12%-0.08%2.19%-0.32%-38 bps
Allowance / Loans1.78%2.02%2.32%1.39%1.67%-11 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 Capital15.36%15.69%16.64%16.01%17.31%+195 bps
Equity / Assets12.25%12.66%13.00%12.81%12.78%+53 bps
Liquidity & Funding
Loans / Deposits88.56%89.63%86.40%85.54%78.32%-1,024 bps
Liquid Assets / Assets18.85%17.89%19.95%20.31%24.11%+526 bps
CRE / Total Capitaln/an/an/an/an/an/an/a