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First National Bank of Van Alstyne, The

Van Alstyne, TX · Cert 5567

FDIC · 7 branches

Q2 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: Q2 2019, the quarter ended June 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 of Van Alstyne, The

Van Alstyne, TX · Cert 5567

FDIC · 7 branches

Q2 2019

$383.1MAssets
$330.1MLoans
$337.6MDeposits
$42.6MEquity
Loan mix
65%RE $153.1M25%C&I $59.7M10%Consumer $22.6MQ2 2018Q2 2019
Deposit mix
64%Interest-bearing $216.7M36%Noninterest $120.9MQ2 2018Q2 2019

NIM

4.83%Q2 ’174.99%Q2 ’185.69%Q2 ’19+4%+13%

Non-interest income vs. expense

2.93%Q2 ’172.84%Q2 ’183.08%Q2 ’19-4%+15%

Market Position · Sherman-Denison, TX · 2019 SOD (annual) · 7.7% share · #5 of 13 inst. · $0.2B of $2.6B

7.7% Grayson
0.5% Collin

Executive Summary

  • Earnings: ROA of 2.06%, up 23 bps year over year; NIM at 5.21%.
  • Asset quality: problem loans at 0.55% of loans (-7 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.27%, down 24 bps from a year ago.
  • Funding: loans stand at 97.80% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

2.06%+23 bps YoY

Net Interest Margin (YTD, annualized)

5.21%+61 bps YoY

Efficiency Ratio (YTD, annualized)

52.56%-85 bps YoY

Tier 1 Leverage Ratio

11.27%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets1.83%1.97%2.00%2.11%2.06%+23 bps
Return on Equity16.68%17.55%17.43%17.10%17.29%+61 bps
Net Interest Margin4.60%4.76%4.87%5.16%5.21%+61 bps
Efficiency Ratio53.40%51.78%52.32%49.95%52.56%-85 bps
Non-Interest Burden2.12%2.09%2.19%2.26%2.44%+32 bps
Growth
Asset Growth (YoY)4.53%-1.38%-3.18%-0.22%0.09%-444 bps
Loan Growth (YoY)7.07%7.29%10.55%13.80%11.34%+427 bps
Deposit Growth (YoY)3.34%-1.49%-3.68%-0.43%1.61%-173 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.63%0.39%0.43%0.55%-7 bps
Net Charge-Offs / Loans0.04%0.10%0.15%0.05%0.05%+1 bps
Allowance / Loans1.20%1.13%1.05%1.05%1.06%-13 bps
Allowance Coverage of NPLs1.9x1.8x2.7x2.5x1.9x0.0x
Capital
Tier 1 Leverage Ratio11.52%11.95%12.50%12.53%11.27%-24 bps
Total Risk-Based Capital15.67%15.51%15.89%15.46%14.16%-151 bps
Equity / Assets11.38%11.94%12.40%12.31%11.13%-25 bps
Liquidity & Funding
Loans / Deposits89.25%94.49%96.41%99.86%97.80%+855 bps
Liquid Assets / Assets14.22%10.44%7.28%6.62%7.54%-669 bps
CRE / Total Capitaln/an/an/an/an/an/an/a