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First National Bank, The

Paducah, TX · Cert 3377

FDIC · 2 branches

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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, The

Paducah, TX · Cert 3377

FDIC · 2 branches

Q3 2019

$43.9MAssets
$29.6MLoans
$39.4MDeposits
$4.4MEquity
Loan mix
61%RE $13.1M26%C&I $5.6M14%Consumer $2.9MQ3 2018Q3 2019
Deposit mix
75%Interest-bearing $29.4M25%Noninterest $10.0MQ3 2018Q3 2019

NIM

3.43%Q3 ’174.15%Q3 ’184.65%Q3 ’19+21%+12%

Non-interest income vs. expense

3.68%Q3 ’174.20%Q3 ’184.68%Q3 ’19+11%+12%

Executive Summary

  • Earnings: ROA of -0.19%, down 39 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.63% of loans (-35 bps YoY), with net charge-offs at 0.43%.
  • Capital: tier 1 leverage ratio of 10.08%, up 18 bps from a year ago.
  • Funding: loans stand at 75.14% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.19%-39 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+44 bps YoY

Efficiency Ratio (YTD, annualized)

94.97%-5 bps YoY

Tier 1 Leverage Ratio

10.08%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.21%0.30%-0.73%-0.26%-0.19%-39 bps
Return on Equity2.48%3.57%-8.26%-2.85%-1.98%-446 bps
Net Interest Margin3.61%3.52%3.77%3.91%4.05%+44 bps
Efficiency Ratio95.02%92.10%106.24%96.57%94.97%-5 bps
Non-Interest Burden3.39%3.18%4.06%3.75%3.80%+42 bps
Growth
Asset Growth (YoY)-3.11%4.01%-2.93%-3.75%-7.35%-424 bps
Loan Growth (YoY)9.04%9.79%9.63%3.37%6.17%-287 bps
Deposit Growth (YoY)-3.07%4.05%-4.12%-5.30%-9.27%-620 bps
Asset Quality
Nonperforming Loans / Loans0.98%0.88%2.98%1.32%0.63%-35 bps
Net Charge-Offs / Loans0.08%0.06%0.37%0.30%0.43%+35 bps
Allowance / Loans1.31%1.32%1.25%1.26%1.26%-5 bps
Allowance Coverage of NPLs1.3x1.5x0.4x1.0x2.0x+0.7x
Capital
Tier 1 Leverage Ratio9.91%9.68%9.55%9.84%10.08%+18 bps
Total Risk-Based Capital15.42%15.22%15.00%16.33%15.57%+16 bps
Equity / Assets8.22%8.48%9.28%10.03%10.13%+191 bps
Liquidity & Funding
Loans / Deposits64.22%64.12%70.67%76.93%75.14%+1,093 bps
Liquid Assets / Assets5.04%1.02%2.63%1.89%2.79%-225 bps
CRE / Total Capitaln/an/an/an/an/an/an/a