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Independent Bank of Texas

Irving, TX · Cert 57476

FDIC · 2 branches

Q2 2015

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 2015, the quarter ended June 30, 2015, 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

Independent Bank of Texas

Irving, TX · Cert 57476

FDIC · 2 branches

Q2 2015

$114.4MAssets
$89.7MLoans
$98.4MDeposits
$11.4MEquity
Loan mix
70%RE $54.3M26%C&I $20.3M3%Consumer $2.4MQ2 2014Q2 2015
Deposit mix
71%Interest-bearing $69.9M29%Noninterest $28.5MQ2 2014Q2 2015

NIM

4.45%Q2 ’134.00%Q2 ’144.67%Q2 ’15-11%+22%

Non-interest income vs. expense

3.73%Q2 ’133.43%Q2 ’144.85%Q2 ’15-15%+55%

Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.0% share · #98 of 160 inst. · $0.1B of $230.0B

0.1% Dallas
0.1% Collin

Executive Summary

  • Earnings: ROA of -0.43%, down 124 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.27%.
  • Capital: tier 1 leverage ratio of 9.54%.
  • Funding: loans stand at 91.16% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.43%-124 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+75 bps YoY

Efficiency Ratio (YTD, annualized)

95.14%+1,521 bps YoY

Tier 1 Leverage Ratio

9.54%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.81%0.89%1.00%1.11%-0.43%-124 bps
Return on Equity9.59%10.54%11.50%11.44%-4.42%-1,400 bps
Net Interest Margin3.35%3.59%3.58%4.00%4.10%+75 bps
Efficiency Ratio79.93%80.20%79.44%73.62%95.14%+1,521 bps
Non-Interest Burden2.49%2.72%2.65%2.68%3.85%+136 bps
Growth
Asset Growth (YoY)16.86%10.99%1.06%-6.26%-10.66%-2,753 bps
Loan Growth (YoY)16.19%22.94%21.05%20.46%-0.01%-1,620 bps
Deposit Growth (YoY)18.67%14.11%0.31%-7.94%-12.18%-3,085 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%1.06%1.27%+128 bps
Allowance / Loans1.07%1.09%1.10%0.92%1.04%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a9.68%9.54%n/a
Total Risk-Based Capital14.41%15.09%15.25%15.19%15.57%+116 bps
Equity / Assets8.50%8.74%9.55%9.89%9.94%+144 bps
Liquidity & Funding
Loans / Deposits80.07%81.87%94.43%94.70%91.16%+1,110 bps
Liquid Assets / Assets14.36%16.80%6.65%8.99%11.30%-306 bps
CRE / Total Capitaln/an/an/an/an/an/an/a