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Texas Leadership Bank

Royse City, TX · Cert 58312

FDIC · 1 branch

Q2 2015

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 2015, the quarter ended June 30, 2015, 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

Texas Leadership Bank

Royse City, TX · Cert 58312

FDIC · 1 branch

Q2 2015

$77.4MAssets
$42.2MLoans
$62.8MDeposits
$14.4MEquity
Loan mix
72%RE $26.5M18%C&I $6.8M10%Consumer $3.6MQ2 2014Q2 2015
Deposit mix
76%Interest-bearing $47.6M24%Noninterest $15.3MQ2 2014Q2 2015

NIM

3.87%Q2 ’133.80%Q2 ’141.64%Q2 ’15-2%-53%

Non-interest income vs. expense

3.26%Q2 ’133.09%Q2 ’141.07%Q2 ’15-6%-65%

Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.0% share · #116 of 160 inst. · $0.1B of $230.0B

Executive Summary

  • Earnings: ROA of 0.50%, down 24 bps year over year; NIM at 1.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.60%.
  • Funding: loans stand at 67.22% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

0.50%-24 bps YoY

Net Interest Margin (YTD, annualized)

1.55%-177 bps YoY

Efficiency Ratio (YTD, annualized)

66.35%-1,456 bps YoY

Tier 1 Leverage Ratio

13.60%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.74%0.75%0.77%-2.85%0.50%-24 bps
Return on Equity6.42%6.46%6.57%-23.70%3.49%-293 bps
Net Interest Margin3.32%3.34%3.27%3.14%1.55%-177 bps
Efficiency Ratio80.91%80.71%82.40%178.30%66.35%-1,456 bps
Non-Interest Burden2.59%2.59%2.60%5.98%0.91%-168 bps
Growth
Asset Growth (YoY)9.11%4.86%1.79%0.76%4.68%-443 bps
Loan Growth (YoY)2.87%2.33%-5.49%2.83%-2.60%-547 bps
Deposit Growth (YoY)10.11%4.97%0.81%0.55%-3.63%-1,374 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.04%0.03%0.00%0.00%0 bps
Allowance / Loans1.26%1.22%1.13%1.07%0.06%-120 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a11.78%13.60%n/a
Total Risk-Based Capital21.20%21.08%22.55%19.65%22.77%+157 bps
Equity / Assets11.60%11.44%12.70%11.39%18.59%+699 bps
Liquidity & Funding
Loans / Deposits66.51%65.99%68.94%67.24%67.22%+71 bps
Liquid Assets / Assets3.03%3.31%3.56%3.69%3.52%+48 bps
CRE / Total Capitaln/an/an/an/an/an/an/a