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

Deposit mix

NIM

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%.

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.

Metric	Q2 2015	Q3 2015	Q4 2015	Q1 2016	Q2 2016	YoY Δ	Trend
Earnings
Return on Assets	0.95%	0.97%	0.89%	0.94%	2.73%¹	+177 bps
Return on Equity	7.90%	7.93%	7.26%	7.45%	21.21%	+1,330 bps
Net Interest Margin	2.66%	2.63%	2.57%	2.75%	2.66%	-1 bps
Efficiency Ratio	70.32%	70.02%	72.23%	71.43%	99.89%	+2,957 bps
Non-Interest Burden	1.66%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.04%	0.04%	0.06%	0.22%	0.12%	+8 bps
Allowance / Loans	2.32%	2.32%	2.24%	2.08%	1.90%	-42 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	11.42%	11.64%	11.18%	11.69%	12.99%	+157 bps
Total Risk-Based Capital	34.13%	35.72%	34.18%	33.47%	43.02%	+889 bps
Equity / Assets	12.17%	12.67%	12.42%	12.78%	13.44%	+127 bps
Liquidity & Funding
Loans / Deposits	37.24%	36.93%	37.61%	39.89%	46.06%	+881 bps
Liquid Assets / Assets	18.02%	19.50%	19.62%	19.08%	37.77%	+1,975 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a