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Community National Bank

Detroit, TX · Cert 26372

FDIC · 5 branches

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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

Community National Bank

Detroit, TX · Cert 26372

FDIC · 5 branches

Q4 2019

$300.3MAssets
$263.3MLoans
$259.4MDeposits
$39.5MEquity
Loan mix
92%RE $198.7M8%C&I $17.1M1%Consumer $1.1MQ4 2018Q4 2019
Deposit mix
72%Interest-bearing $187.0M28%Noninterest $72.4MQ4 2018Q4 2019

NIM

4.61%Q4 ’174.80%Q4 ’184.99%Q4 ’19+1%+1%

Non-interest income vs. expense

2.85%Q4 ’172.72%Q4 ’183.14%Q4 ’19-7%+18%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2019 SOD (annual) · 0.1% share · #66 of 95 inst. · $0.1B of $249.6B

2.4% Brazoria
11.3% Wilson
8.1% Gonzales
11.0% Red River

Executive Summary

  • Earnings: ROA of 1.20%, down 31 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.69% of loans (-7 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 12.01%, up 20 bps from a year ago.
  • Funding: loans stand at 101.51% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

1.20%-31 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+5 bps YoY

Efficiency Ratio (YTD, annualized)

66.24%+871 bps YoY

Tier 1 Leverage Ratio

12.01%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.51%1.21%1.42%1.55%1.20%-31 bps
Return on Equity12.13%9.42%10.98%11.90%9.20%-293 bps
Net Interest Margin4.37%4.39%4.53%4.51%4.42%+5 bps
Efficiency Ratio57.52%61.50%57.08%56.34%66.24%+871 bps
Non-Interest Burden2.39%2.59%2.46%2.41%2.82%+43 bps
Growth
Asset Growth (YoY)11.69%7.63%6.38%9.79%6.21%-548 bps
Loan Growth (YoY)10.08%7.86%5.48%13.25%9.28%-81 bps
Deposit Growth (YoY)12.35%6.88%8.93%9.20%5.46%-690 bps
Asset Quality
Nonperforming Loans / Loans0.76%0.61%0.50%0.27%0.69%-7 bps
Net Charge-Offs / Loans0.01%0.27%0.15%0.09%0.07%+6 bps
Allowance / Loans1.24%1.25%1.26%1.18%1.20%-4 bps
Allowance Coverage of NPLs1.6x2.0x2.5x4.4x1.7x+0.1x
Capital
Tier 1 Leverage Ratio11.81%12.22%12.28%12.34%12.01%+20 bps
Total Risk-Based Capital14.54%14.97%14.51%14.52%14.40%-15 bps
Equity / Assets12.66%13.05%13.14%13.21%13.17%+51 bps
Liquidity & Funding
Loans / Deposits97.96%98.02%100.28%103.74%101.51%+355 bps
Liquid Assets / Assets4.66%3.77%3.01%1.27%3.61%-105 bps
CRE / Total Capitaln/an/an/an/an/an/an/a