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Vision Bank - Texas

Richardson, TX · Cert 58447

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

Vision Bank - Texas

Richardson, TX · Cert 58447

FDIC · 1 branch

Q2 2015

$185.0MAssets
$134.3MLoans
$165.3MDeposits
$19.5MEquity
Loan mix
51%RE $54.3M47%C&I $50.6M2%Consumer $1.8MQ2 2014Q2 2015
Deposit mix
82%Interest-bearing $134.8M18%Noninterest $30.6MQ2 2014Q2 2015

NIM

3.56%Q2 ’133.80%Q2 ’143.88%Q2 ’15+9%+6%

Non-interest income vs. expense

2.27%Q2 ’132.28%Q2 ’142.05%Q2 ’15-1%-8%

Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.1% share · #71 of 160 inst. · $0.2B of $230.0B

Executive Summary

  • Earnings: ROA of 0.93%, up 29 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Capital: tier 1 leverage ratio of 10.45%.
  • Funding: loans stand at 81.24% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

0.93%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+19 bps YoY

Efficiency Ratio (YTD, annualized)

58.42%-890 bps YoY

Tier 1 Leverage Ratio

10.45%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.63%0.68%0.72%0.80%0.93%+29 bps
Return on Equity6.85%7.36%7.63%7.88%9.02%+217 bps
Net Interest Margin3.14%3.18%3.25%3.49%3.33%+19 bps
Efficiency Ratio67.32%65.13%63.54%60.50%58.42%-890 bps
Non-Interest Burden2.04%1.99%1.99%2.04%1.87%-17 bps
Growth
Asset Growth (YoY)9.82%12.77%0.31%5.67%3.78%-605 bps
Loan Growth (YoY)28.16%23.04%21.79%23.79%8.19%-1,997 bps
Deposit Growth (YoY)10.06%13.01%-1.20%4.68%2.78%-728 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%1.02%0.54%+54 bps
Allowance / Loans1.36%1.41%1.49%1.16%1.22%-14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a10.45%10.45%n/a
Total Risk-Based Capital14.49%14.26%14.12%13.42%12.11%-238 bps
Equity / Assets9.66%9.35%10.23%10.09%10.54%+88 bps
Liquidity & Funding
Loans / Deposits77.18%74.69%81.98%83.88%81.24%+406 bps
Liquid Assets / Assets13.06%18.10%12.43%17.19%14.33%+126 bps
CRE / Total Capitaln/an/an/an/an/an/an/a