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Icon Bank of Texas, National Association

Houston, TX · Cert 58378

FDIC · 8 branches

Q3 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: Q3 2018, the quarter ended September 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

Icon Bank of Texas, National Association

Houston, TX · Cert 58378

FDIC · 8 branches

Q3 2018

$762.9MAssets
$650.4MLoans
$676.1MDeposits
$74.3MEquity
Loan mix
70%RE $340.4M28%C&I $135.4M2%Consumer $11.0MQ3 2017Q3 2018
Deposit mix
60%Interest-bearing $406.0M40%Noninterest $270.1MQ3 2017Q3 2018

NIM

4.87%Q3 ’165.15%Q3 ’175.50%Q3 ’18+5%+7%

Non-interest income vs. expense

3.36%Q3 ’163.65%Q3 ’175.18%Q3 ’18+0%+57%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2018 SOD (annual) · 0.3% share · #28 of 97 inst. · $0.6B of $245.7B

0.3% Harris
0.8% Fort Bend

Executive Summary

  • Earnings: ROA of 0.30%, down 70 bps year over year; NIM at 4.93%.
  • Asset quality: problem loans at 1.77% of loans (-33 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.76%, up 27 bps from a year ago.
  • Funding: loans stand at 96.20% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.30%-70 bps YoY

Net Interest Margin (YTD, annualized)

4.93%+32 bps YoY

Efficiency Ratio (YTD, annualized)

96.39%+2,682 bps YoY

Tier 1 Leverage Ratio

9.76%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets1.00%0.91%0.99%1.07%0.30%-70 bps
Return on Equity11.13%10.13%10.62%11.11%3.07%-806 bps
Net Interest Margin4.62%4.65%4.66%4.95%4.93%+32 bps
Efficiency Ratio69.57%67.69%73.82%73.59%96.39%+2,682 bps
Non-Interest Burden3.02%2.94%3.32%3.53%4.74%+172 bps
Growth
Asset Growth (YoY)2.71%8.00%2.62%-9.52%-5.07%-778 bps
Loan Growth (YoY)1.76%-0.97%-3.47%-3.05%-0.44%-220 bps
Deposit Growth (YoY)10.44%13.12%10.63%-3.91%-1.96%-1,239 bps
Asset Quality
Nonperforming Loans / Loans2.10%2.59%1.08%1.16%1.77%-33 bps
Net Charge-Offs / Loans0.02%0.13%0.11%0.10%0.06%+4 bps
Allowance / Loans1.26%1.20%1.20%1.15%1.15%-11 bps
Allowance Coverage of NPLs0.6x0.5x1.1x1.0x0.6x0.0x
Capital
Tier 1 Leverage Ratio9.49%9.70%9.83%10.24%9.76%+27 bps
Total Risk-Based Capital12.26%12.53%12.32%12.24%11.57%-69 bps
Equity / Assets9.20%9.23%9.39%10.37%9.74%+53 bps
Liquidity & Funding
Loans / Deposits94.73%91.60%89.67%98.38%96.20%+147 bps
Liquid Assets / Assets11.06%15.05%12.14%3.91%5.04%-602 bps
CRE / Total Capitaln/an/an/an/an/an/an/a