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Bank of River Oaks, The

Houston, TX · Cert 58142

FDIC · 3 branches

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

Bank of River Oaks, The

Houston, TX · Cert 58142

FDIC · 3 branches

Q2 2018

$437.7MAssets
$342.4MLoans
$369.3MDeposits
$48.9MEquity
Loan mix
59%RE $165.7M38%C&I $105.4M3%Consumer $8.6MQ2 2017Q2 2018
Deposit mix
63%Interest-bearing $233.5M37%Noninterest $135.9MQ2 2017Q2 2018

NIM

3.84%Q2 ’163.81%Q2 ’174.15%Q2 ’18+0%+7%

Non-interest income vs. expense

2.69%Q2 ’162.35%Q2 ’172.18%Q2 ’18-14%-5%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2018 SOD (annual) · 0.2% share · #46 of 97 inst. · $0.4B of $245.7B

Executive Summary

  • Earnings: ROA of 1.46%, up 108 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.17% of loans (-15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.22%, up 26 bps from a year ago.
  • Funding: loans stand at 92.71% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

1.46%+108 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+24 bps YoY

Efficiency Ratio (YTD, annualized)

54.67%-706 bps YoY

Tier 1 Leverage Ratio

11.22%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.38%0.64%0.58%1.45%1.46%+108 bps
Return on Equity3.52%5.92%5.50%14.05%13.81%+1,029 bps
Net Interest Margin3.63%3.60%3.59%3.87%3.87%+24 bps
Efficiency Ratio61.74%60.84%60.14%54.75%54.67%-706 bps
Non-Interest Burden2.18%2.13%2.10%2.06%2.06%-12 bps
Growth
Asset Growth (YoY)-0.58%-0.47%1.71%3.38%2.22%+280 bps
Loan Growth (YoY)-0.88%-1.83%1.19%11.90%5.41%+629 bps
Deposit Growth (YoY)0.42%2.98%11.37%1.12%1.11%+68 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.29%0.21%0.19%0.17%-15 bps
Net Charge-Offs / Loans1.21%0.80%0.39%0.00%0.00%-121 bps
Allowance / Loans1.00%0.98%1.11%1.09%1.12%+12 bps
Allowance Coverage of NPLs3.1x3.4x5.4x5.8x6.7x+3.5x
Capital
Tier 1 Leverage Ratio10.96%10.77%10.39%10.76%11.22%+26 bps
Total Risk-Based Capital14.03%13.69%13.23%13.80%14.58%+55 bps
Equity / Assets10.92%10.75%10.16%10.47%11.17%+25 bps
Liquidity & Funding
Loans / Deposits88.92%86.63%84.61%88.93%92.71%+378 bps
Liquid Assets / Assets5.61%7.00%6.47%5.65%4.48%-113 bps
CRE / Total Capitaln/an/an/an/an/an/an/a