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Oglesby State Bank

Oglesby, TX · Cert 3371

FDIC · 1 branch

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Oglesby State Bank

Oglesby, TX · Cert 3371

FDIC · 1 branch

Q1 2015

$13.5MAssets
$11.2MLoans
$12.1MDeposits
$1.4MEquity
Loan mix
65%RE $6.0M9%C&I $0.8M26%Consumer $2.5MQ1 2014Q1 2015
Deposit mix
89%Interest-bearing $10.7M11%Noninterest $1.4MQ1 2014Q1 2015

NIM

5.61%Q1 ’135.16%Q1 ’145.54%Q1 ’15-8%+9%

Non-interest income vs. expense

4.62%Q1 ’134.46%Q1 ’145.14%Q1 ’150%+16%

Market Position · Killeen-Temple, TX · 2014 SOD (annual) · 0.3% share · #21 of 22 inst. · $0.0B of $4.1B

Executive Summary

  • Earnings: ROA of 0.85%, up 27 bps year over year; NIM at 5.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 10.49%.
  • Funding: loans stand at 92.48% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.85%+27 bps YoY

Net Interest Margin (YTD, annualized)

5.05%+43 bps YoY

Efficiency Ratio (YTD, annualized)

85.92%+424 bps YoY

Tier 1 Leverage Ratio

10.49%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.58%0.77%0.85%0.90%0.85%+27 bps
Return on Equity5.78%7.58%8.23%8.64%7.84%+206 bps
Net Interest Margin4.62%4.84%5.08%4.98%5.05%+43 bps
Efficiency Ratio81.68%82.51%82.74%82.69%85.92%+424 bps
Non-Interest Burden3.62%3.84%4.04%3.94%4.21%+59 bps
Growth
Asset Growth (YoY)5.44%-0.09%-7.54%-4.45%-7.49%-1,293 bps
Loan Growth (YoY)-4.35%-8.67%-8.07%-3.95%0.13%+448 bps
Deposit Growth (YoY)4.98%-0.42%-8.57%-4.88%-7.59%-1,257 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.68%0.63%0.41%0.51%-0.04%-72 bps
Allowance / Loans1.55%1.48%1.49%1.24%1.23%-32 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a10.49%n/an/a
Total Risk-Based Capital15.84%16.72%17.40%17.37%16.88%+104 bps
Equity / Assets9.63%10.32%10.88%11.00%10.67%+104 bps
Liquidity & Funding
Loans / Deposits85.34%85.69%88.52%89.32%92.48%+714 bps
Liquid Assets / Assets19.39%18.85%16.47%14.14%12.98%-641 bps
CRE / Total Capitaln/an/an/an/an/an/an/a