PackageTrendsPeer
Letter portraitLegal landscape

Dallas City Bank

Dallas, TX · Cert 57650

FDIC · 2 branches

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

Dallas City Bank

Dallas, TX · Cert 57650

FDIC · 2 branches

Q4 2014

$119.4MAssets
$110.1MLoans
$93.3MDeposits
$23.8MEquity
Loan mix
65%RE $50.5M34%C&I $26.2M2%Consumer $1.3MQ4 2013Q4 2014
Deposit mix
68%Interest-bearing $63.6M32%Noninterest $29.7MQ4 2013Q4 2014

NIM

4.46%Q4 ’124.77%Q4 ’134.82%Q4 ’14+11%+3%

Non-interest income vs. expense

4.34%Q4 ’123.66%Q4 ’133.88%Q4 ’14-18%+6%

Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.0% share · #105 of 168 inst. · $0.1B of $206.1B

Executive Summary

  • Earnings: ROA of 1.06%, up 16 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.53%.
  • Funding: loans stand at 117.97% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

1.06%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.46%+11 bps YoY

Efficiency Ratio (YTD, annualized)

82.20%+246 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.90%1.33%1.60%1.27%1.06%+16 bps
Return on Equity4.79%6.70%8.10%6.44%5.36%+58 bps
Net Interest Margin4.34%5.00%4.57%4.32%4.46%+11 bps
Efficiency Ratio79.74%73.72%83.01%81.87%82.20%+246 bps
Non-Interest Burden3.41%3.66%3.77%3.50%3.61%+20 bps
Growth
Asset Growth (YoY)-5.96%-1.99%3.46%0.50%1.73%+769 bps
Loan Growth (YoY)6.89%10.17%-8.22%4.58%10.83%+394 bps
Deposit Growth (YoY)-8.40%-4.09%2.34%-0.51%-0.09%+831 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.20%-0.15%-1.25%-0.68%-0.53%-33 bps
Allowance / Loans1.84%1.90%2.06%1.79%1.73%-11 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 Capital24.50%24.71%26.67%24.05%23.26%-124 bps
Equity / Assets19.73%20.11%19.44%19.50%19.98%+25 bps
Liquidity & Funding
Loans / Deposits106.34%105.84%93.28%106.91%117.97%+1,162 bps
Liquid Assets / Assets10.64%11.54%21.04%10.59%3.69%-695 bps
CRE / Total Capitaln/an/an/an/an/an/an/a