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North Texas Bank, National Association

Decatur, TX · Cert 57817

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

North Texas Bank, National Association

Decatur, TX · Cert 57817

FDIC · 2 branches

Q4 2014

$185.6MAssets
$105.7MLoans
$159.7MDeposits
$25.8MEquity
Loan mix
76%RE $75.5M21%C&I $21.4M3%Consumer $2.9MQ4 2013Q4 2014
Deposit mix
71%Interest-bearing $113.1M29%Noninterest $46.6MQ4 2013Q4 2014

NIM

4.19%Q4 ’124.01%Q4 ’130.55%Q4 ’14-1%-86%

Non-interest income vs. expense

2.62%Q4 ’122.67%Q4 ’130.32%Q4 ’14+1%-89%

Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.1% share · #81 of 168 inst. · $0.1B of $206.1B

13.4% Wise
0.2% Denton

Executive Summary

  • Earnings: ROA of 0.29%, down 115 bps year over year; NIM at 0.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 66.21% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.29%-115 bps YoY

Net Interest Margin (YTD, annualized)

0.52%-324 bps YoY

Efficiency Ratio (YTD, annualized)

54.81%-1,024 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 Assets1.45%1.63%1.70%1.63%0.29%-115 bps
Return on Equity14.56%15.99%16.71%16.00%2.65%-1,191 bps
Net Interest Margin3.76%4.15%4.05%3.96%0.52%-324 bps
Efficiency Ratio65.05%63.14%61.87%63.35%54.81%-1,024 bps
Non-Interest Burden2.32%2.50%2.38%2.39%0.26%-206 bps
Growth
Asset Growth (YoY)5.01%6.42%12.24%9.11%27.15%+2,214 bps
Loan Growth (YoY)20.74%21.04%25.10%12.94%3.50%-1,725 bps
Deposit Growth (YoY)4.58%6.01%12.19%8.48%21.81%+1,724 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.00%0.00%0.00%0.00%-5 bps
Allowance / Loans1.42%1.38%1.33%1.30%0.01%-141 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 Capital15.85%15.86%15.96%16.16%13.40%-245 bps
Equity / Assets10.12%10.30%10.15%10.30%13.92%+380 bps
Liquidity & Funding
Loans / Deposits77.93%80.70%78.71%79.01%66.21%-1,172 bps
Liquid Assets / Assets2.27%1.07%1.01%0.38%11.11%+884 bps
CRE / Total Capitaln/an/an/an/an/an/an/a