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Omniamerican Bank

Fort Worth, TX · Cert 58050

FDIC · 14 branches

Q3 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: Q3 2014, the quarter ended September 30, 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

Omniamerican Bank

Fort Worth, TX · Cert 58050

FDIC · 14 branches

Q3 2014

$1.3BAssets
$776.0MLoans
$814.5MDeposits
$200.4MEquity
Loan mix
56%RE $378.8M10%C&I $68.1M34%Consumer $225.4MQ3 2013Q3 2014
Deposit mix
92%Interest-bearing $747.7M8%Noninterest $66.8MQ3 2013Q3 2014

NIM

3.93%Q3 ’123.52%Q3 ’133.47%Q3 ’14-4%+1%

Non-interest income vs. expense

3.07%Q3 ’123.08%Q3 ’132.92%Q3 ’14-2%-3%

Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.4% share · #28 of 168 inst. · $0.8B of $206.1B

2.0% Tarrant
3.4% Parker
4.5% Hood
0.0% Dallas

Executive Summary

  • Earnings: ROA of 0.57%, down 1 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.36%.
  • Funding: loans stand at 95.28% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.57%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+3 bps YoY

Efficiency Ratio (YTD, annualized)

75.42%-288 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.57%0.58%0.54%0.52%0.57%-1 bps
Return on Equity4.06%4.10%3.89%3.75%4.00%-7 bps
Net Interest Margin2.93%2.87%2.92%2.91%2.96%+3 bps
Efficiency Ratio78.30%77.52%75.97%76.53%75.42%-288 bps
Non-Interest Burden2.08%2.01%2.02%2.02%2.01%-6 bps
Growth
Asset Growth (YoY)12.98%10.66%9.05%4.83%-7.60%-2,058 bps
Loan Growth (YoY)17.19%10.90%7.22%-2.12%-10.87%-2,806 bps
Deposit Growth (YoY)-0.15%-0.30%0.79%0.45%-0.38%-23 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.31%0.32%0.31%0.36%0.36%+6 bps
Allowance / Loans0.77%0.77%0.80%0.81%0.81%+4 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 Capital20.43%21.50%22.35%22.79%23.77%+334 bps
Equity / Assets13.03%13.63%13.91%14.42%14.97%+195 bps
Liquidity & Funding
Loans / Deposits106.49%100.91%94.97%94.51%95.28%-1,122 bps
Liquid Assets / Assets0.10%0.10%0.10%0.13%0.14%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a