North Texas Bank, National Association

Decatur, TX · Cert 57817

FDIC · 2 branches

Q4 2014

$185.6MAssets

$105.7MLoans

$159.7MDeposits

$25.8MEquity

Loan mix

Deposit mix

NIM

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

Earnings: ROA of -3.23%, down 475 bps year over year; NIM at -8.20%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
Funding: loans stand at 66.21% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

-3.23%-475 bps YoY

Net Interest Margin (quarter, annualized)

-8.20%-1,229 bps YoY

Efficiency Ratio (quarter, annualized)

54.81%-1,038 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	1.52%	1.63%	1.79%	1.50%	-3.23%	-475 bps
Return on Equity	15.20%	15.99%	17.49%	14.66%	-26.37%	-4,158 bps
Net Interest Margin	4.09%	4.15%	4.16%	4.06%	-8.20%	-1,229 bps
Efficiency Ratio	65.19%	63.14%	60.67%	66.19%	54.81%	-1,038 bps
Non-Interest Burden	2.54%	2.50%	2.39%	2.56%	-5.16%	-770 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.01%	+1 bps
Allowance / Loans	1.42%	1.38%	1.33%	1.30%	0.01%	-141 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	15.85%	15.86%	15.96%	16.16%	13.40%	-245 bps
Equity / Assets	10.12%	10.30%	10.15%	10.30%	13.92%	+380 bps
Liquidity & Funding
Loans / Deposits	77.93%	80.70%	78.71%	79.01%	66.21%	-1,172 bps
Liquid Assets / Assets	2.27%	1.07%	1.01%	0.38%	11.11%	+884 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a