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Westbound Bank

Katy, TX · Cert 58417

FDIC · 4 branches

Q1 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: Q1 2018, the quarter ended March 31, 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

Westbound Bank

Katy, TX · Cert 58417

FDIC · 4 branches

Q1 2018

$229.7MAssets
$163.8MLoans
$190.5MDeposits
$24.5MEquity
Loan mix
81%RE $109.8M17%C&I $23.6M2%Consumer $2.5MQ1 2017Q1 2018
Deposit mix
79%Interest-bearing $150.0M21%Noninterest $40.5MQ1 2017Q1 2018

NIM

3.80%Q1 ’164.04%Q1 ’174.21%Q1 ’18+3%+1%

Non-interest income vs. expense

3.92%Q1 ’162.86%Q1 ’173.92%Q1 ’18-36%+83%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2017 SOD (annual) · 0.1% share · #59 of 97 inst. · $0.2B of $240.9B

0.1% Harris
0.1% Montgomery

Executive Summary

  • Earnings: ROA of 0.27%, down 65 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (-23 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 11.00%, down 96 bps from a year ago.
  • Funding: loans stand at 85.96% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.27%-65 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+3 bps YoY

Efficiency Ratio (YTD, annualized)

92.57%+2,977 bps YoY

Tier 1 Leverage Ratio

11.00%-96 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.92%0.88%0.93%0.61%0.27%-65 bps
Return on Equity7.94%7.62%8.20%5.48%2.48%-546 bps
Net Interest Margin3.40%3.43%3.38%3.28%3.42%+3 bps
Efficiency Ratio62.80%65.58%66.24%68.92%92.57%+2,977 bps
Non-Interest Burden1.70%1.89%1.89%1.92%3.11%+141 bps
Growth
Asset Growth (YoY)24.66%18.91%21.40%17.35%13.54%-1,111 bps
Loan Growth (YoY)33.50%26.11%31.62%15.46%16.19%-1,730 bps
Deposit Growth (YoY)21.09%22.40%21.81%17.46%13.30%-778 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.21%0.19%0.00%0.00%-23 bps
Net Charge-Offs / Loans-0.06%-0.04%-0.02%0.17%-0.07%-1 bps
Allowance / Loans1.27%1.25%1.24%1.22%1.21%-6 bps
Allowance Coverage of NPLs5.6x6.0x6.5xn/an/an/a
Capital
Tier 1 Leverage Ratio11.96%11.72%11.37%10.86%11.00%-96 bps
Total Risk-Based Capital14.65%14.25%14.10%14.68%14.37%-28 bps
Equity / Assets11.38%11.50%10.92%10.73%10.64%-74 bps
Liquidity & Funding
Loans / Deposits83.83%91.84%91.99%85.04%85.96%+214 bps
Liquid Assets / Assets7.30%3.11%5.23%10.78%11.17%+387 bps
CRE / Total Capitaln/an/an/an/an/an/an/a