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First Private Bank of Texas

Dallas, TX · Cert 58497

FDIC · 2 branches

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

First Private Bank of Texas

Dallas, TX · Cert 58497

FDIC · 2 branches

Q2 2014

$346.9MAssets
$295.6MLoans
$312.3MDeposits
$27.9MEquity
Loan mix
83%RE $222.3M10%C&I $27.0M7%Consumer $18.0MQ2 2013Q2 2014
Deposit mix
84%Interest-bearing $262.0M16%Noninterest $50.4MQ2 2013Q2 2014

NIM

3.25%Q2 ’122.95%Q2 ’133.28%Q2 ’14-1%+21%

Non-interest income vs. expense

2.05%Q2 ’121.87%Q2 ’132.08%Q2 ’14-7%+12%

Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.2% share · #54 of 168 inst. · $0.3B of $206.1B

0.2% Dallas
0.3% Collin

Executive Summary

  • Earnings: ROA of 0.46%, up 11 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 94.65% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.46%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+48 bps YoY

Efficiency Ratio (YTD, annualized)

72.54%-588 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.35%0.38%0.42%0.51%0.46%+11 bps
Return on Equity3.76%4.16%4.58%5.64%5.27%+150 bps
Net Interest Margin2.35%2.37%2.32%2.59%2.84%+48 bps
Efficiency Ratio78.42%76.21%73.53%69.38%72.54%-588 bps
Non-Interest Burden1.84%1.80%1.70%1.78%2.05%+21 bps
Growth
Asset Growth (YoY)5.96%9.85%5.54%7.99%1.57%-439 bps
Loan Growth (YoY)22.76%12.63%21.02%23.83%25.79%+303 bps
Deposit Growth (YoY)6.33%8.26%3.57%6.19%2.34%-399 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%0.00%0.00%0 bps
Allowance / Loans0.48%0.46%0.46%0.43%0.44%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.60%17.63%15.33%16.41%13.03%-456 bps
Equity / Assets9.17%9.10%9.02%9.08%8.04%-113 bps
Liquidity & Funding
Loans / Deposits77.01%77.52%80.60%86.77%94.65%+1,764 bps
Liquid Assets / Assets19.12%20.02%17.41%14.75%1.50%-1,762 bps
CRE / Total Capitaln/an/an/an/an/an/an/a