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Hamlin National Bank

Hamlin, TX · Cert 3244

FDIC · 2 branches

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

Hamlin National Bank

Hamlin, TX · Cert 3244

FDIC · 2 branches

Q1 2017

$88.1MAssets
$34.7MLoans
$72.7MDeposits
$14.7MEquity
Loan mix
45%RE $11.3M43%C&I $10.8M11%Consumer $2.8MQ1 2016Q1 2017
Deposit mix
67%Interest-bearing $48.9M33%Noninterest $23.8MQ1 2016Q1 2017

NIM

3.17%Q1 ’153.28%Q1 ’163.01%Q1 ’17+4%-9%

Non-interest income vs. expense

2.66%Q1 ’152.70%Q1 ’162.72%Q1 ’17+0%0%

Market Position · Abilene, TX · 2016 SOD (annual) · 1.6% share · #9 of 18 inst. · $0.0B of $2.7B

29.0% Jones
27.1% Haskell

Executive Summary

  • Earnings: ROA of 0.64%, down 103 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 3.50% of loans (+350 bps YoY), with net charge-offs at 0.53%.
  • Capital: tier 1 leverage ratio of 17.04%, down 70 bps from a year ago.
  • Funding: loans stand at 47.78% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.64%-103 bps YoY

Net Interest Margin (YTD, annualized)

2.73%-28 bps YoY

Efficiency Ratio (YTD, annualized)

82.82%+660 bps YoY

Tier 1 Leverage Ratio

17.04%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets1.66%1.72%0.45%10.53%10.64%-103 bps
Return on Equity9.57%9.78%2.58%3.02%3.73%-584 bps
Net Interest Margin3.02%3.03%2.94%2.96%2.73%-28 bps
Efficiency Ratio76.22%76.08%82.55%81.49%82.82%+660 bps
Non-Interest Burden2.17%2.12%2.30%2.25%2.17%0 bps
Growth
Asset Growth (YoY)-10.35%-7.41%-7.05%-7.92%-2.25%+810 bps
Loan Growth (YoY)0.22%2.12%-0.08%2.60%1.88%+166 bps
Deposit Growth (YoY)-11.41%-8.59%-7.30%-7.96%-0.89%+1,052 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%3.50%+350 bps
Net Charge-Offs / Loans-0.12%0.14%0.16%2.11%0.53%+65 bps
Allowance / Loans1.16%1.06%2.89%0.81%0.70%-46 bps
Allowance Coverage of NPLsn/an/an/an/a0.2xn/an/a
Capital
Tier 1 Leverage Ratio17.74%18.30%16.69%17.40%17.04%-70 bps
Total Risk-Based Capital33.48%33.51%32.50%32.41%32.12%-136 bps
Equity / Assets17.76%18.10%17.55%17.50%16.70%-106 bps
Liquidity & Funding
Loans / Deposits46.48%47.39%48.10%51.74%47.78%+130 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a