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Kilgore National Bank

Kilgore, TX · Cert 35548

FDIC · 3 branches

Q3 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: Q3 2016, the quarter ended September 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

Kilgore National Bank

Kilgore, TX · Cert 35548

FDIC · 3 branches

Q3 2016

$85.0MAssets
$53.6MLoans
$71.2MDeposits
$12.4MEquity
Loan mix
82%RE $40.2M13%C&I $6.1M5%Consumer $2.4MQ3 2015Q3 2016
Deposit mix
63%Interest-bearing $45.1M37%Noninterest $26.1MQ3 2015Q3 2016

NIM

3.95%Q3 ’144.17%Q3 ’151.07%Q3 ’16+6%-74%

Non-interest income vs. expense

3.61%Q3 ’144.06%Q3 ’151.22%Q3 ’16+11%-70%

Market Position · Longview, TX · 2016 SOD (annual) · 1.2% share · #18 of 28 inst. · $0.1B of $4.7B

1.7% Gregg
0.2% Smith

Executive Summary

  • Earnings: ROA of 0.14%, down 25 bps year over year; NIM at 1.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.82%, up 137 bps from a year ago.
  • Funding: loans stand at 75.19% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.14%-25 bps YoY

Net Interest Margin (YTD, annualized)

1.03%-290 bps YoY

Efficiency Ratio (YTD, annualized)

99.10%+1,231 bps YoY

Tier 1 Leverage Ratio

12.82%+137 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.39%0.43%0.58%0.40%0.14%-25 bps
Return on Equity3.61%3.91%4.89%3.31%1.12%-249 bps
Net Interest Margin3.94%3.95%4.05%4.01%1.03%-290 bps
Efficiency Ratio86.79%85.70%80.90%84.33%99.10%+1,231 bps
Non-Interest Burden3.32%3.27%3.15%3.30%1.00%-232 bps
Growth
Asset Growth (YoY)-9.37%-8.65%-9.69%-2.07%1.56%+1,093 bps
Loan Growth (YoY)1.58%4.62%0.23%4.95%0.84%-74 bps
Deposit Growth (YoY)-11.13%-10.14%-11.57%-3.52%-2.88%+826 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.09%-0.02%-0.02%0.00%-9 bps
Allowance / Loans1.80%1.77%1.81%1.76%0.00%-180 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.45%11.61%12.16%12.06%12.82%+137 bps
Total Risk-Based Capital20.41%20.45%20.58%19.89%20.13%-28 bps
Equity / Assets11.51%11.69%12.09%12.06%14.62%+311 bps
Liquidity & Funding
Loans / Deposits72.41%72.93%73.80%75.78%75.19%+277 bps
Liquid Assets / Assets23.21%22.33%23.26%22.12%20.09%-313 bps
CRE / Total Capitaln/an/an/an/an/an/an/a