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Park Cities Bank

Dallas, TX · Cert 57057

FDIC

Q4 2013

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: Q4 2013, the quarter ended December 31, 2013, 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

Park Cities Bank

Dallas, TX · Cert 57057

FDIC

Q4 2013

$406.0MAssets
$222.9MLoans
$382.8MDeposits
$21.2MEquity
Loan mix
71%RE $120.4M29%C&I $49.8M0%Consumer $0.4MQ4 2012Q4 2013
Deposit mix
91%Interest-bearing $347.6M9%Noninterest $35.2MQ4 2012Q4 2013

NIM

3.95%Q4 ’113.36%Q4 ’123.11%Q4 ’13-6%+8%

Non-interest income vs. expense

3.00%Q4 ’113.17%Q4 ’123.70%Q4 ’13+16%-3%

Executive Summary

  • Earnings: ROA of -1.34%, up 3 bps year over year; NIM at 2.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.76%.
  • Funding: loans stand at 58.23% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.34%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.28%+16 bps YoY

Efficiency Ratio (YTD, annualized)

150.46%-4,139 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-1.36%-1.02%-1.35%-1.33%-1.34%+3 bps
Return on Equity-21.71%-16.54%-22.13%-22.36%-22.89%-118 bps
Net Interest Margin2.12%1.90%2.22%2.24%2.28%+16 bps
Efficiency Ratio191.85%150.22%144.10%148.75%150.46%-4,139 bps
Non-Interest Burden3.64%2.91%3.28%3.41%3.52%-11 bps
Growth
Asset Growth (YoY)-14.09%-19.57%-22.41%-21.79%-22.76%-867 bps
Loan Growth (YoY)-17.25%-17.47%-19.98%-18.96%-22.50%-526 bps
Deposit Growth (YoY)-13.88%-19.75%-22.17%-21.16%-22.12%-824 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.87%-0.89%1.62%0.96%0.76%-11 bps
Allowance / Loans2.99%3.32%2.99%3.26%3.47%+48 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.13%9.98%10.20%10.47%10.40%+26 bps
Equity / Assets6.02%6.36%5.93%5.51%5.22%-80 bps
Liquidity & Funding
Loans / Deposits58.52%63.02%62.39%59.81%58.23%-29 bps
Liquid Assets / Assets13.10%8.39%8.03%13.95%14.76%+166 bps
CRE / Total Capitaln/an/an/an/an/an/an/a