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First National Bank of Beeville, The

Beeville, TX · Cert 3095

FDIC · 3 branches

Q1 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: Q1 2019, the quarter ended March 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

First National Bank of Beeville, The

Beeville, TX · Cert 3095

FDIC · 3 branches

Q1 2019

$437.1MAssets
$299.3MLoans
$394.6MDeposits
$39.9MEquity
Loan mix
87%RE $192.5M12%C&I $26.8M1%Consumer $1.9MQ1 2018Q1 2019
Deposit mix
75%Interest-bearing $296.4M25%Noninterest $98.2MQ1 2018Q1 2019

NIM

4.28%Q1 ’174.29%Q1 ’184.82%Q1 ’19-2%+11%

Non-interest income vs. expense

2.45%Q1 ’172.26%Q1 ’182.26%Q1 ’19-7%+2%

Market Position · San Antonio-New Braunfels, TX · 2018 SOD (annual) · 0.0% share · #49 of 61 inst. · $0.0B of $111.0B

46.1% Bee
12.4% De Witt
2.6% Guadalupe

Executive Summary

  • Earnings: ROA of 1.74%, up 39 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.00% of loans (-106 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.34%, up 63 bps from a year ago.
  • Funding: loans stand at 75.87% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

1.74%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+42 bps YoY

Efficiency Ratio (YTD, annualized)

49.49%-449 bps YoY

Tier 1 Leverage Ratio

9.34%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.34%1.45%1.53%1.58%1.74%+39 bps
Return on Equity16.12%17.15%17.96%18.47%19.48%+336 bps
Net Interest Margin3.89%3.96%3.92%3.86%4.31%+42 bps
Efficiency Ratio53.98%52.82%52.43%51.40%49.49%-449 bps
Non-Interest Burden1.96%1.95%1.92%1.85%2.00%+4 bps
Growth
Asset Growth (YoY)19.45%10.44%12.87%12.42%10.99%-846 bps
Loan Growth (YoY)8.90%7.32%12.78%12.96%9.21%+31 bps
Deposit Growth (YoY)23.51%10.66%13.40%12.23%9.92%-1,359 bps
Asset Quality
Nonperforming Loans / Loans1.06%0.12%0.00%0.00%0.00%-106 bps
Net Charge-Offs / Loans0.32%0.14%0.10%0.07%0.00%-32 bps
Allowance / Loans1.13%1.20%1.20%1.16%1.19%+6 bps
Allowance Coverage of NPLs1.1x10.2xn/a3469.0xn/an/a
Capital
Tier 1 Leverage Ratio8.72%8.98%9.16%9.17%9.34%+63 bps
Total Risk-Based Capital12.78%13.41%13.50%13.49%14.07%+129 bps
Equity / Assets8.37%8.74%8.71%8.70%9.12%+76 bps
Liquidity & Funding
Loans / Deposits76.36%75.58%74.69%75.42%75.87%-49 bps
Liquid Assets / Assets10.14%10.29%12.12%11.12%11.96%+182 bps
CRE / Total Capitaln/an/an/an/an/an/an/a