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Viewpoint Bank, National Association

Plano, TX · Cert 58006

FDIC · 43 branches

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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

Viewpoint Bank, National Association

Plano, TX · Cert 58006

FDIC · 43 branches

Q3 2019

$10.5BAssets
$9.1BLoans
$6.6BDeposits
$1.2BEquity
Loan mix
65%RE $3.5B34%C&I $1.9B1%Consumer $0.0BQ3 2018Q3 2019
Deposit mix
72%Interest-bearing $4.8B28%Noninterest $1.8BQ3 2018Q3 2019

NIM

4.17%Q3 ’174.56%Q3 ’184.62%Q3 ’19+3%-6%

Non-interest income vs. expense

1.74%Q3 ’171.82%Q3 ’181.76%Q3 ’19+5%0%

Market Position · Dallas-Fort Worth-Arlington, TX · 2019 SOD (annual) · 2.4% share · #7 of 163 inst. · $7.0B of $295.3B

17.3% Collin
0.6% Dallas
0.8% Tarrant
0.9% Denton

Executive Summary

  • Earnings: ROA of 1.47%, down 4 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.38% of loans (+16 bps YoY), with net charge-offs at 0.41%.
  • Capital: tier 1 leverage ratio of 10.92%, up 34 bps from a year ago.
  • Funding: loans stand at 138.27% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.47%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.63%-22 bps YoY

Efficiency Ratio (YTD, annualized)

44.52%+142 bps YoY

Tier 1 Leverage Ratio

10.92%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.51%1.81%1.36%1.32%1.47%-4 bps
Return on Equity12.76%14.94%10.53%10.41%11.84%-92 bps
Net Interest Margin3.85%4.03%3.87%3.72%3.63%-22 bps
Efficiency Ratio43.10%43.00%46.73%45.52%44.52%+142 bps
Non-Interest Burden1.38%1.44%1.57%1.46%1.37%-1 bps
Growth
Asset Growth (YoY)0.16%-0.33%5.41%7.41%15.23%+1,508 bps
Loan Growth (YoY)0.94%-0.54%5.71%8.45%16.53%+1,559 bps
Deposit Growth (YoY)0.37%1.16%1.78%2.60%-2.87%-324 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.29%0.75%0.71%0.38%+16 bps
Net Charge-Offs / Loans0.69%0.51%-0.01%0.03%0.41%-29 bps
Allowance / Loans0.85%0.87%0.96%1.06%0.73%-12 bps
Allowance Coverage of NPLs3.8x3.0x1.3x1.5x1.9x-1.8x
Capital
Tier 1 Leverage Ratio10.58%11.57%11.68%11.07%10.92%+34 bps
Total Risk-Based Capital12.21%12.85%12.68%12.30%11.70%-52 bps
Equity / Assets12.32%13.00%12.78%12.24%11.82%-50 bps
Liquidity & Funding
Loans / Deposits115.24%113.21%113.34%122.36%138.27%+2,303 bps
Liquid Assets / Assets3.68%3.92%3.79%3.37%3.34%-34 bps
CRE / Total Capitaln/an/an/an/an/an/an/a