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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

3.39%Q4 ’113.03%Q4 ’122.88%Q4 ’13-9%+17%

Non-interest income vs. expense

2.41%Q4 ’113.31%Q4 ’123.73%Q4 ’13+17%-10%

Executive Summary

  • Earnings: ROA of -1.35%, up 69 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 58.23% of deposits as of Q4 2013.

Financial Results

Return on Assets (quarter, annualized)

-1.35%+69 bps YoY

Net Interest Margin (quarter, annualized)

2.20%+33 bps YoY

Efficiency Ratio (quarter, annualized)

155.78%-10,371 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-2.04%-1.02%-1.72%-1.33%-1.35%+69 bps
Return on Equity-32.82%-16.54%-27.93%-23.31%-25.15%+768 bps
Net Interest Margin1.88%1.90%2.31%2.07%2.20%+33 bps
Efficiency Ratio259%150.22%138.63%159.26%155.78%-10,371 bps
Non-Interest Burden3.91%2.91%3.29%3.39%3.54%-37 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 / Loans1.63%-0.89%4.24%-0.51%-0.02%-164 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