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First National Bank of Emory, The

Emory, TX · Cert 3188

FDIC · 2 branches

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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 Emory, The

Emory, TX · Cert 3188

FDIC · 2 branches

Q2 2016

$103.3MAssets
$40.6MLoans
$88.2MDeposits
$13.9MEquity
Loan mix
74%RE $25.2M15%C&I $5.2M11%Consumer $3.7MQ2 2015Q2 2016
Deposit mix
60%Interest-bearing $53.0M40%Noninterest $35.2MQ2 2015Q2 2016

NIM

3.06%Q2 ’143.03%Q2 ’152.90%Q2 ’160%0%

Non-interest income vs. expense

2.49%Q2 ’142.37%Q2 ’153.34%Q2 ’16-6%+59%

Executive Summary

  • Earnings: ROA of 2.73%, up 177 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 12.99%, up 157 bps from a year ago.
  • Funding: loans stand at 46.06% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

2.73%1+177 bps YoY

Net Interest Margin (YTD, annualized)

2.66%-1 bps YoY

Efficiency Ratio (YTD, annualized)

99.89%+2,957 bps YoY

Tier 1 Leverage Ratio

12.99%+157 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.95%0.97%0.89%0.94%2.73%1+177 bps
Return on Equity7.90%7.93%7.26%7.45%21.21%+1,330 bps
Net Interest Margin2.66%2.63%2.57%2.75%2.66%-1 bps
Efficiency Ratio70.32%70.02%72.23%71.43%99.89%+2,957 bps
Non-Interest Burden1.66%1.63%1.66%1.78%2.65%+99 bps
Growth
Asset Growth (YoY)-0.24%0.85%-2.35%-3.71%-8.01%-777 bps
Loan Growth (YoY)-1.69%0.96%2.97%6.30%18.56%+2,025 bps
Deposit Growth (YoY)0.63%2.39%0.21%-1.42%-4.13%-476 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.04%0.06%0.22%0.12%+8 bps
Allowance / Loans2.32%2.32%2.24%2.08%1.90%-42 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.42%11.64%11.18%11.69%12.99%+157 bps
Total Risk-Based Capital34.13%35.72%34.18%33.47%43.02%+889 bps
Equity / Assets12.17%12.67%12.42%12.78%13.44%+127 bps
Liquidity & Funding
Loans / Deposits37.24%36.93%37.61%39.89%46.06%+881 bps
Liquid Assets / Assets18.02%19.50%19.62%19.08%37.77%+1,975 bps
CRE / Total Capitaln/an/an/an/an/an/an/a