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First Bank & Trust Company of Bartlett

Bartlett, TX · Cert 3089

FDIC · 3 branches

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

First Bank & Trust Company of Bartlett

Bartlett, TX · Cert 3089

FDIC · 3 branches

Q1 2015

$174.3MAssets
$127.5MLoans
$155.3MDeposits
$18.5MEquity
Loan mix
79%RE $84.1M19%C&I $20.3M2%Consumer $2.3MQ1 2014Q1 2015
Deposit mix
75%Interest-bearing $117.0M25%Noninterest $38.3MQ1 2014Q1 2015

NIM

4.70%Q1 ’134.77%Q1 ’144.10%Q1 ’15+4%-15%

Non-interest income vs. expense

3.16%Q1 ’133.25%Q1 ’143.14%Q1 ’15+9%-6%

Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.1% share · #77 of 168 inst. · $0.2B of $206.1B

Executive Summary

  • Earnings: ROA of 1.60%, down 38 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.21%.
  • Funding: loans stand at 82.07% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

1.60%-38 bps YoY

Net Interest Margin (YTD, annualized)

3.79%-69 bps YoY

Efficiency Ratio (YTD, annualized)

66.73%+601 bps YoY

Tier 1 Leverage Ratio

10.21%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets1.98%2.04%2.01%1.95%1.60%-38 bps
Return on Equity20.79%21.55%21.37%20.45%15.63%-516 bps
Net Interest Margin4.48%4.21%4.10%3.91%3.79%-69 bps
Efficiency Ratio60.72%60.38%60.40%61.72%66.73%+601 bps
Non-Interest Burden2.38%2.19%2.12%2.05%2.23%-15 bps
Growth
Asset Growth (YoY)12.35%14.25%16.02%12.75%0.00%-1,235 bps
Loan Growth (YoY)18.99%17.17%7.23%1.29%0.48%-1,851 bps
Deposit Growth (YoY)7.49%11.64%13.67%21.71%3.87%-362 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.04%0.03%0.10%0.03%-15 bps
Allowance / Loans1.30%1.34%1.34%1.27%1.24%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a10.21%n/an/a
Total Risk-Based Capital14.74%15.09%15.55%16.27%16.34%+160 bps
Equity / Assets9.35%9.41%9.20%9.90%10.61%+126 bps
Liquidity & Funding
Loans / Deposits84.84%79.51%75.86%76.46%82.07%-277 bps
Liquid Assets / Assets5.78%9.85%18.84%16.76%12.59%+680 bps
CRE / Total Capitaln/an/an/an/an/an/an/a