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Memphis State Bank

Memphis, TX · Cert 26614

FDIC · 3 branches

Q3 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: Q3 2014, the quarter ended September 30, 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 2026-10-10

Memphis State Bank

Memphis, TX · Cert 26614

FDIC · 3 branches

Q3 2014

$31.9MAssets
$6.2MLoans
$27.2MDeposits
$3.6MEquity
Loan mix
9%RE $0.4M63%C&I $2.5M28%Consumer $1.1MQ3 2013Q3 2014
Deposit mix
70%Interest-bearing $19.1M30%Noninterest $8.1MQ3 2013Q3 2014

NIM

2.85%Q3 ’122.23%Q3 ’132.26%Q3 ’14-24%+2%

Non-interest income vs. expense

2.56%Q3 ’122.32%Q3 ’132.65%Q3 ’14-12%+15%

Market Position · Amarillo, TX · 2014 SOD (annual) · 0.2% share · #15 of 17 inst. · $0.0B of $6.1B

20.6% Hall
10.6% Carson

Executive Summary

  • Earnings: ROA of 0.02%, down 35 bps year over year; NIM at 2.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 22.76% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.02%-35 bps YoY

Net Interest Margin (YTD, annualized)

2.05%+4 bps YoY

Efficiency Ratio (YTD, annualized)

100.00%+929 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.37%10.25%10.13%0.05%0.02%-35 bps
Return on Equity3.55%2.47%1.37%0.54%0.20%-336 bps
Net Interest Margin2.02%2.03%2.00%2.04%2.05%+4 bps
Efficiency Ratio90.71%93.95%96.31%96.78%100.00%+929 bps
Non-Interest Burden1.78%1.87%1.90%1.95%2.05%+27 bps
Growth
Asset Growth (YoY)-3.40%-4.91%-2.67%-4.78%-5.07%-167 bps
Loan Growth (YoY)-14.27%-3.58%-15.58%-1.71%17.10%+3,137 bps
Deposit Growth (YoY)-9.96%-2.53%6.51%-1.99%4.70%+1,466 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.02%0.08%0.04%0.02%-5 bps
Allowance / Loans1.44%1.50%1.66%1.51%1.28%-16 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 Capital27.23%27.40%29.59%30.70%28.48%+126 bps
Equity / Assets9.96%9.13%9.53%11.03%11.36%+141 bps
Liquidity & Funding
Loans / Deposits20.35%17.23%14.99%17.83%22.76%+241 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a