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Bank of Austin, The

Austin, TX · Cert 59104

FDIC · 1 branch

Q3 2020

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 2020, the quarter ended September 30, 2020, 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 2026-10-10

Bank of Austin, The

Austin, TX · Cert 59104

FDIC · 1 branch

Q3 2020

$270.7MAssets
$201.7MLoans
$236.0MDeposits
$33.8MEquity
Deposit mix
62%Interest-bearing $145.8M38%Noninterest $90.3MQ3 2019Q3 2020

NIM

3.21%Q3 ’183.92%Q3 ’193.07%Q3 ’20+14%-18%

Non-interest income vs. expense

4.13%Q3 ’183.03%Q3 ’192.12%Q3 ’20-28%-31%

Market Position · Austin-Round Rock-Georgetown, TX · 2020 SOD (annual) · 0.4% share · #30 of 70 inst. · $0.2B of $51.3B

Executive Summary

  • Earnings: ROA of 0.36%, up 28 bps year over year; NIM at 2.66%.
  • 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 12.96%, down 706 bps from a year ago.
  • Funding: loans stand at 85.46% of deposits as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

0.36%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.66%-58 bps YoY

Efficiency Ratio (YTD, annualized)

76.61%-1,328 bps YoY

Tier 1 Leverage Ratio

12.96%-706 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.08%0.24%0.17%0.26%0.36%+28 bps
Return on Equity0.39%1.11%0.98%1.58%2.39%+201 bps
Net Interest Margin3.24%3.26%3.28%2.81%2.66%-58 bps
Efficiency Ratio89.89%85.38%88.36%78.45%76.61%-1,328 bps
Non-Interest Burden2.90%2.77%2.89%2.18%2.02%-89 bps
Growth
Asset Growth (YoY)42.73%34.55%37.79%50.32%65.42%+2,269 bps
Loan Growth (YoY)46.26%46.44%47.42%74.24%76.49%+3,023 bps
Deposit Growth (YoY)59.26%46.12%47.73%62.54%80.74%+2,148 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 / Loans0.95%0.93%0.94%0.87%0.90%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio20.02%19.71%17.64%14.12%12.96%-706 bps
Total Risk-Based Capital26.08%24.20%22.19%22.47%20.40%-569 bps
Equity / Assets19.88%19.47%16.30%14.07%12.48%-739 bps
Liquidity & Funding
Loans / Deposits87.52%96.42%82.88%93.70%85.46%-206 bps
Liquid Assets / Assets17.49%11.83%19.13%11.66%17.79%+30 bps
CRE / Total Capitaln/an/an/an/an/an/an/a