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First Bank & Trust Company

Dawson, TX · Cert 3167

FDIC · 2 branches

Q2 2016

$38.0MAssets
$12.6MLoans
$35.3MDeposits
$2.7MEquity
Loan mix
53%RE $3.6M25%C&I $1.7M22%Consumer $1.5MQ3 2014Q2 2016
Deposit mix
81%Interest-bearing $28.6M19%Noninterest $6.7MQ3 2014Q2 2016

Executive Summary

  • Earnings: ROA of 0.23%, up 19 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.73%.
  • Capital: tier 1 leverage ratio of 6.61%, unchanged from a year ago.
  • Funding: loans stand at 35.76% of deposits as of Q2 2016.

Return on Assets (quarter, annualized)

0.23%+19 bps YoY

Net Interest Margin (quarter, annualized)

2.67%-3 bps YoY

Efficiency Ratio (quarter, annualized)

92.14%-651 bps YoY

Tier 1 Leverage Ratio

6.61%0 bps YoY

NIM

3.62%Q2 ’143.30%Q2 ’153.30%Q2 ’16-8%-1%

Non-interest income vs. expense

2.99%Q2 ’142.98%Q2 ’152.70%Q2 ’16+2%-8%

Discrete quarter, annualized.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.06%0.23%0.15%10.04%0.17%-1.34%0.12%0.23%+19 bps
Return on Equity1.08%3.96%2.45%0.66%2.77%-21.46%1.95%3.37%+271 bps
Net Interest Margin2.72%2.81%2.72%2.70%2.68%2.73%2.72%2.67%-3 bps
Efficiency Ratio96.35%92.56%98.31%98.65%94.53%174.16%95.88%92.14%-651 bps
Non-Interest Burden2.61%2.58%2.67%2.66%2.51%4.06%2.60%2.44%-22 bps
Growth
Asset Growth (YoY)6.29%4.84%-2.14%-0.53%-2.18%1.39%-1.38%-2.49%-196 bps
Loan Growth (YoY)-10.12%-8.59%-7.05%-6.74%-4.10%-6.76%-2.20%-5.51%+123 bps
Deposit Growth (YoY)5.44%3.17%-3.69%-1.05%-3.04%1.47%-1.54%-3.51%-246 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.00%0.09%0.57%0.00%0.00%0.21%0.73%+16 bps
Allowance / Loans1.15%1.14%1.18%1.05%1.08%1.10%1.01%0.87%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a6.53%6.61%6.65%6.28%6.40%6.61%0 bps
Total Risk-Based Capital15.72%15.92%16.19%16.26%16.65%15.96%15.82%16.28%+2 bps
Equity / Assets5.63%6.15%6.40%6.08%6.46%6.06%6.56%7.08%+100 bps
Liquidity & Funding
Loans / Deposits35.82%37.55%36.81%36.52%35.43%34.50%36.56%35.76%-76 bps
Liquid Assets / Assets1.14%1.18%1.17%1.18%1.17%1.17%1.19%1.21%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a