Texas Ratio Report
First Quarter 2016
Table of Contents
Alabama Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
Arkansas Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
Florida Banks and Thrifts
Texas Ratio > 75% Texas Ratio < 75 %
Georgia Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
Kentucky Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
Louisiana Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
Maryland Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
Mississippi Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
37-38
39
8-10
11
North Carolina Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
40-41
42
12-15
16
South Carolina Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
43-44
45
17-21
22
Tennessee Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
23-27
28
Texas Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
51-61
62
29-32
33
Virginia Banks and Thrifts Texas
Ratio > 75%
Texas Ratio < 75 %
63-65
66
34-35
36
West Virginia Banks and Thrifts
Texas Ratio > 75%
Texas Ratio < 75 %
67-68
69
3-6
7
Excluded Banks
46-49
50
70
Alabama Banks, Texas Ratio <75%
Bank
City
First Progressive Bank
Citizens Bank of Winfield
Farmers & Merchants Bank
BankSouth
AloStar Bank of Commerce
Citizens Bank of Fayette
Bank of Brewton
First Bank of Boaz
EvaBank
First State Bank of DeKalb County
Horizon Bank
Town-Country National Bank
Bank of Vernon
Cullman Savings Bank (MHC)
First State Bank of the South, Inc.
First National Bank
Valley State Bank
Small Town Bank
Traders & Farmers Bank
Phenix-Girard Bank
Peoples Exchange Bank of Monroe County
Escambia County Bank
Farmers & Merchants Bank
First Bank of Alabama
Community Neighbor Bank
Farmers and Merchants Bank
First National Bank of Brundidge
HomeTown Bank of Alabama
First Cahawba Bank
Metro Bank
First National Bank of Hartford
Peoples Southern Bank
Samson Banking Company, Inc.
Brantley Bank and Trust Company
First National Bank of Dozier
Oakworth Capital Bank
First Bank of Linden
Southern Bank Company
First National Bank and Trust
Brewton
Winfield
Waterloo
Dothan
Birmingham
Fayette
Brewton
Boaz
Cullman
Fort Payne
Fyffe
Camden
Vernon
Cullman
Sulligent
Hamilton
Russellville
Wedowee
Haleyville
Phenix City
Monroeville
Flomaton
Piedmont
Talladega
Camden
LaFayette
Brundidge
Oneonta
Selma
Pell City
Hartford
Clanton
Samson
Brantley
Dozier
Birmingham
Linden
Gadsden
Atmore
Top
Level
Ticker
CULL
SRNN
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
3.6
3.1
1.0
1.0
7.5
17.1
18.4
0.1
14.1
8.5
6.9
4.3
25.9
10.2
6.3
0.9
5.0
10.5
9.1
28.0
4.8
10.3
7.5
6.5
8.8
8.5
8.4
10.8
9.1
17.0
9.5
1.1
12.8
3.6
0.0
0.0
0.0
11.2
1.2
25.94
21.62
21.44
20.43
19.56
18.56
17.17
16.79
16.75
16.25
16.07
15.99
15.95
15.87
15.76
15.65
15.48
15.33
15.01
14.75
14.43
14.36
14.22
14.21
14.16
13.70
13.62
13.49
13.40
13.33
13.30
13.29
13.21
13.15
13.13
13.12
13.05
12.92
12.92
Page 3
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
25.78
23.21
22.16
20.33
18.65
19.47
17.36
18.19
17.61
16.56
16.05
16.18
16.05
15.32
16.52
16.01
15.85
15.62
15.01
15.06
14.38
14.88
14.14
15.39
14.06
14.42
14.01
12.91
13.63
13.27
13.76
13.51
12.91
13.88
14.20
13.68
14.13
13.78
12.90
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
31,471
214,739
78,319
171,836
979,816
193,513
55,659
204,745
358,327
93,940
93,196
102,700
144,747
257,858
97,164
288,761
124,198
216,142
371,479
181,072
63,112
79,281
192,720
388,069
107,917
140,172
93,824
338,035
94,669
690,578
120,280
171,788
72,823
75,021
37,192
395,280
79,176
100,133
131,556
-1.8%
2.9%
3.1%
-0.9%
13.9%
-1.6%
5.5%
5.9%
6.9%
2.6%
1.8%
2.2%
-0.4%
7.9%
0.7%
-0.1%
0.1%
0.8%
2.1%
2.7%
0.8%
-4.7%
0.2%
-3.6%
-1.1%
4.7%
-3.9%
6.7%
-1.1%
1.6%
-1.5%
2.5%
14.6%
11.3%
-8.1%
19.9%
0.2%
2.7%
2.0%
Total
Deposits
($000)
23,334
141,428
60,232
136,565
739,241
153,182
45,967
145,278
269,877
78,265
75,347
85,179
120,274
166,251
79,460
242,087
103,874
172,353
288,799
136,194
53,981
67,394
161,533
324,939
92,506
113,590
76,385
283,280
76,578
596,486
96,664
148,341
63,334
64,174
28,180
338,652
67,370
80,590
113,376
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
11.5%
0.0%
0.0%
0.0%
0.6%
4.7%
0.0%
0.0%
0.0%
0.0%
0.0%
4.1%
0.0%
0.0%
0.4%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.14
1.69
1.31
1.13
0.60
0.96
-0.10
1.57
2.36
0.52
0.59
1.87
0.81
1.08
0.83
1.43
0.70
1.28
0.86
1.07
0.28
0.47
0.75
1.44
1.03
1.01
0.59
1.72
0.84
1.21
0.80
1.04
0.60
1.00
0.72
1.02
1.03
-0.17
0.73
NIM LTM Net
(FTE) Income
(%)
($000)
3.06
4.58
3.65
3.68
3.78
2.89
4.50
3.23
6.87
4.15
3.96
4.97
4.32
4.13
3.95
4.18
2.84
4.24
3.98
3.07
4.38
2.99
4.16
3.83
4.40
4.04
3.74
4.77
4.19
4.39
3.89
3.04
3.40
4.76
3.06
3.59
4.68
3.26
3.81
45
3,556
1,005
1,939
5,471
1,867
-55
3,127
8,019
487
544
1,891
1,173
2,614
810
4,022
862
2,748
3,152
1,936
175
378
1,432
5,827
1,104
1,383
550
5,562
805
8,226
950
1,730
416
722
277
3,743
814
-167
931
Alabama Banks, Texas Ratio <75%
Bank
City
Bank of Pine Hill
FNB Bank
First US Bank
Liberty Bank
Citizens State Bank
Bank of Walker County
Citizens Bank
West Alabama Bank & Trust
Cheaha Bank
State Bank & Trust
Pinnacle Bank
Exchange Bank of Alabama
Marion Bank and Trust Company
Central State Bank
Vantage Bank of Alabama
HNB First Bank
First Citizens Bank
First Federal Bank, A FSB
FirstState Bank
Peoples Bank of Red Level
Reliance Bank
First Partners Bank
Citizens Bank of Valley Head
First Community Bank of Cullman
First Metro Bank
Security Federal Savings Bank
Citizens' Bank, Inc.
Merchants Bank
MidSouth Bank
Sweet Water State Bank
SouthFirst Bank
Robertson Banking Company
Southern Independent Bank
Bank of Evergreen
Capstone Bank
CCB Community Bank
FNB of Central Alabama
Citizens Bank
AmeriFirst Bank
Pine Hill
Scottsboro
Thomasville
Geraldine
Vernon
Jasper
Greensboro
Reform
Oxford
Winfield
Jasper
Altoona
Marion
Calera
Albertville
Headland
Luverne
Tuscaloosa
Lineville
Red Level
Athens
Birmingham
Valley Head
Cullman
Muscle Shoals
Jasper
Robertsdale
Jackson
Dothan
Sweet Water
Sylacauga
Demopolis
Opp
Evergreen
Tuscaloosa
Andalusia
Tuscaloosa
Enterprise
Union Springs
Top
Level
Ticker
USBI
PCLB
SCBS
SZBI
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
5.9
13.3
12.5
12.6
23.2
13.1
7.5
5.4
2.0
20.7
0.6
8.9
30.1
2.0
18.0
11.6
3.9
28.0
6.8
11.0
7.7
1.3
30.8
2.6
2.2
2.2
18.5
21.1
9.9
12.3
32.7
3.2
13.1
28.0
14.4
16.8
11.5
8.3
13.3
12.87
12.82
12.76
12.69
12.53
12.38
12.37
12.24
12.22
12.18
12.10
12.08
12.00
11.97
11.94
11.93
11.89
11.84
11.82
11.77
11.70
11.63
11.58
11.26
11.12
11.03
10.95
10.91
10.85
10.80
10.77
10.76
10.70
10.64
10.56
10.48
10.45
10.42
10.40
Page 4
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
13.08
12.97
13.44
12.32
12.68
12.66
12.96
12.13
12.41
12.38
12.56
11.74
12.39
11.87
12.04
11.86
12.12
11.04
12.07
11.83
11.76
11.71
11.52
10.46
11.01
9.94
11.19
10.90
10.71
10.52
7.63
10.62
10.78
11.00
10.41
10.23
10.50
10.98
10.47
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
24,488
372,722
575,291
125,039
80,284
66,537
100,549
576,925
196,927
228,480
224,139
283,307
249,195
230,807
114,037
110,653
233,606
116,376
214,369
16,253
173,093
248,169
26,317
80,770
570,173
41,723
102,260
209,856
399,532
97,908
91,857
275,675
210,184
60,096
469,163
473,713
258,168
116,115
148,516
-1.8%
1.7%
1.8%
12.6%
-4.3%
-5.3%
0.4%
0.3%
3.5%
2.6%
-3.4%
9.6%
-1.2%
12.5%
-3.6%
6.8%
2.3%
-4.7%
-1.0%
0.9%
7.8%
7.8%
-1.0%
1.0%
5.7%
7.4%
3.3%
2.2%
4.9%
2.8%
-1.1%
5.6%
2.1%
4.4%
7.8%
1.4%
9.2%
4.3%
1.8%
Total
Deposits
($000)
21,279
323,699
485,623
109,285
58,820
57,911
82,690
468,143
164,803
198,997
189,692
246,202
204,351
200,238
98,944
95,590
189,541
92,176
173,847
14,306
131,672
197,935
23,249
68,535
504,606
30,419
90,261
186,502
355,814
84,913
79,158
236,622
169,978
53,252
405,182
378,654
229,595
103,132
128,351
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
2.0%
0.0%
13.8%
0.0%
0.0%
0.2%
0.0%
0.0%
8.7%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.2%
0.0%
0.0%
12.5%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
3.9%
0.0%
5.6%
12.3%
9.3%
0.5%
0.0%
0.0%
-0.26
1.24
0.50
0.77
0.48
0.42
1.19
1.17
1.76
0.62
1.05
0.89
1.30
1.28
1.07
0.88
1.31
-0.56
1.33
1.00
0.82
1.19
0.29
0.21
1.42
0.31
0.37
0.66
0.58
1.51
0.38
1.41
0.75
1.22
0.79
1.94
0.38
0.37
0.34
NIM LTM Net
(FTE) Income
(%)
($000)
2.40
4.47
5.35
5.41
2.27
4.01
3.60
3.59
5.07
3.20
3.77
3.45
3.95
4.47
4.08
3.75
4.07
2.75
4.48
5.60
3.37
4.68
5.24
2.96
3.73
3.40
4.01
3.92
3.04
5.70
3.40
3.95
3.20
4.49
3.88
4.69
3.40
3.33
3.87
-64
4,527
2,787
873
391
291
1,186
6,581
3,406
1,392
2,396
2,358
3,222
2,765
1,209
944
2,996
-637
2,825
165
1,337
2,797
76
161
7,839
123
371
1,358
2,255
1,427
344
3,750
1,611
726
3,536
8,728
909
428
488
Alabama Banks, Texas Ratio <75%
Bank
City
Bank of Wedowee
First Exchange Bank of Alabama
PeoplesTrust Bank
AuburnBank
First Jackson Bank
CB&S Bank, Inc.
Community Spirit Bank
First Community Bank
Regions Bank
River Bank & Trust
Southern States Bank
Progress Bank and Trust
PrimeSouth Bank
First Bank
North Alabama Bank
Bank of Moundville
Bank of York
Traditions Bank
Peoples Bank of Alabama
SouthPoint Bank
First Southern State Bank
United Bank
Merchants Bank of Alabama
Bank Independent
First Financial Bank
Citizens Bank & Trust
First Southern Bank
Friend Bank
Troy Bank & Trust Company
First Bank of the South
Premier Bank of the South
Peoples Independent Bank
Trinity Bank
First Fidelity Bank
NobleBank & Trust
Bryant Bank
ServisFirst Bank
Compass Bank
Peoples Bank of Greensboro
Wedowee
Louisville
Hamilton
Auburn
Stevenson
Russellville
Red Bay
Chatom
Birmingham
Prattville
Anniston
Huntsville
Tallassee
Wadley
Hazel Green
Moundville
York
Cullman
Cullman
Birmingham
Stevenson
Atmore
Cullman
Sheffield
Bessemer
Guntersville
Florence
Slocomb
Troy
Rainsville
Cullman
Boaz
Dothan
Fort Payne
Anniston
Tuscaloosa
Birmingham
Birmingham
Greensboro
Top
Level
Ticker
AUBN
RF
UBAB
CBTH
SFBS
BBVA
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
26.4
32.0
6.5
3.6
10.7
22.1
12.8
19.4
16.8
9.3
9.1
7.2
13.9
11.4
62.2
9.9
0.6
16.0
17.7
11.4
2.7
15.9
24.5
12.8
41.1
11.4
11.1
18.7
33.9
24.8
12.2
11.3
10.9
8.6
9.3
4.0
2.1
12.7
6.2
10.40
10.38
10.33
10.31
10.29
10.24
10.23
10.21
10.17
10.17
10.15
10.04
9.97
9.97
9.93
9.91
9.80
9.78
9.75
9.69
9.64
9.52
9.50
9.45
9.43
9.41
9.26
9.26
9.19
9.17
9.17
9.15
9.14
9.02
8.94
8.93
8.85
8.75
8.69
Page 5
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0
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
11.37
10.29
10.35
10.61
10.34
11.39
10.32
10.25
10.04
10.03
9.74
9.78
9.98
11.20
11.91
10.14
11.01
9.75
9.38
9.55
9.82
9.68
9.40
8.62
9.58
9.57
9.12
9.20
9.98
9.38
9.14
9.98
9.02
9.02
8.75
8.83
8.68
8.63
9.14
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
126,843
129,941
89,210
834,097
239,617
1,527,328
144,244
356,952
124,637,433
725,308
541,731
659,809
208,183
75,422
94,001
89,386
100,598
305,995
655,748
238,857
374,330
550,821
263,700
1,241,642
167,867
385,438
214,272
125,808
850,085
83,563
168,817
202,859
131,669
91,509
217,376
1,451,577
5,377,849
87,629,324
96,695
5.7%
-2.7%
6.6%
5.4%
4.9%
2.5%
2.5%
6.1%
2.6%
63.0%
59.2%
8.9%
9.4%
7.2%
-0.3%
-4.5%
-4.5%
3.1%
4.4%
14.2%
2.1%
8.7%
3.2%
5.6%
-5.2%
6.1%
2.3%
3.9%
1.3%
-4.6%
7.1%
4.4%
18.8%
2.5%
16.0%
10.5%
22.4%
7.2%
5.2%
Total
Deposits
($000)
107,784
116,374
78,853
739,486
205,704
1,236,282
126,282
307,988
99,645,528
615,703
460,496
559,283
180,686
66,621
82,499
80,187
76,270
272,397
554,430
191,205
332,764
494,468
237,501
1,076,932
134,028
324,312
192,444
113,751
708,455
74,629
152,290
182,114
119,263
82,988
193,369
1,196,546
4,386,182
69,214,097
84,116
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.3%
1.4%
0.0%
0.0%
0.0%
1.6%
3.9%
0.3%
10.4%
6.6%
7.9%
0.0%
0.0%
0.0%
0.0%
7.5%
3.1%
3.8%
0.0%
0.2%
0.0%
0.0%
0.0%
2.2%
0.0%
0.0%
0.0%
0.0%
3.4%
0.0%
0.0%
0.0%
0.0%
0.3%
0.0%
9.3%
1.8%
0.65
0.76
0.65
1.04
0.93
0.76
0.84
0.97
0.95
0.93
0.71
0.81
0.92
1.36
0.01
0.24
0.94
1.09
1.32
0.91
0.92
0.60
0.42
0.84
0.30
0.88
0.72
0.99
0.72
0.07
0.98
1.15
0.48
0.37
0.54
1.20
1.45
0.47
1.09
NIM LTM Net
(FTE) Income
(%)
($000)
3.65
797
4.13
984
3.77
563
3.23
8,414
3.73
2,142
3.67
11,333
4.51
1,185
4.10
3,312
3.18 1,166,183
3.95
4,834
4.51
3,074
3.34
5,071
3.99
1,841
4.44
975
4.82
6
3.08
214
2.84
969
5.72
3,263
4.40
8,401
3.96
2,044
3.61
3,358
3.60
3,164
3.71
1,070
5.48
10,115
2.91
501
4.23
3,277
3.94
1,499
4.35
1,212
3.68
6,056
3.78
61
4.32
1,549
4.37
2,283
4.16
580
2.93
333
4.03
1,076
3.29
16,636
3.74
69,997
2.75 395,865
3.62
1,012
Alabama Banks, Texas Ratio <75%
Bank
City
Merchants & Farmers Bank of Greene County
National Bank of Commerce
First Community Bank of Central Alabama
Commercial Bank of Ozark
Commonwealth National Bank
Eutaw
Birmingham
Wetumpka
Ozark
Mobile
Top
Level
Ticker
NCOM
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
7.0
4.4
10.0
24.3
58.5
8.69
8.56
8.18
7.91
6.80
Page 6
0
0
0
75
688
TCE/
TA
(%)
9.29
8.96
8.22
8.24
7.15
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
68,214
1,733,554
347,505
88,189
57,869
5.0%
43.9%
2.6%
4.2%
0.5%
Total
Deposits
($000)
59,671
1,505,877
315,911
79,689
53,424
LTM
Brokered ROAA
(%)
(%)
4.8%
2.3%
1.8%
0.0%
0.0%
-0.51
0.82
1.83
0.29
-0.21
NIM LTM Net
(FTE) Income
(%)
($000)
4.03
4.14
4.03
3.65
3.80
-323
12,044
6,103
253
-123
Alabama Banks, Texas Ratio >75%
Bank
City
SunSouth Bank
Covenant Bank
Union State Bank
Community Bank & Trust - Alabama
Alamerica Bank
Dothan
Leeds
Pell City
Union Springs
Birmingham
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
93.3
89.2
77.4
93.7
117.3
4.94
5.56
6.35
6.60
15.85
4,656
1,872
3,776
735
0
Page 7
TCE/
TA
(%)
5.28
6.01
5.81
6.54
16.44
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
149,345
71,278
233,250
50,966
34,170
-2.0%
-6.9%
1.6%
-8.5%
-7.1%
Total
Deposits
($000)
130,274
61,925
218,408
47,403
28,435
LTM
Brokered ROAA
(%)
(%)
7.2%
0.0%
0.0%
0.0%
4.3%
-0.55
-2.74
-0.11
0.23
-0.42
NIM LTM Net
(FTE) Income
(%)
($000)
3.25
3.22
3.35
3.57
4.75
-853
-2,077
-245
118
-149
Arkansas Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
First National Bank of Izard County
Bank of Delight
Logan County Bank
Farmers Bank
DeWitt Bank and Trust Company
Warren Bank and Trust Company
First Arkansas Bank and Trust
First Security Bank
Helena National Bank
Today's Bank
Stone Bank
United Bank
Bank of Star City
McGehee Bank
Peoples Bank
Central Bank
Bank of the Ozarks
Community State Bank
Relyance Bank, National Association
Bank of Bearden
First State Bank
Bank of Gravett
Chambers Bank
Bank of Prescott
Bank of Lake Village
Citizens Bank & Trust Company
Bank of England
Little River Bank
Signature Bank of Arkansas
First National Bank of Fort Smith
Community First Bank
First Community Bank of Eastern Arkansas
First Financial Bank
Cross County Bank
Legacy National Bank
Smackover State Bank
Bodcaw Bank
Eagle Bank and Trust Company
RiverBank
Calico Rock
Delight
Scranton
Greenwood
De Witt
Warren
Jacksonville
Searcy
Helena
Huntsville
Mountain View
Springdale
Star City
McGehee
Sheridan
Little Rock
Little Rock
OZRK
Bradley
Pine Bluff
Bearden
Crossett
Gravette
Danville
Prescott
Lake Village
Van Buren
England
Lepanto
Fayetteville
Fort Smith
Harrison
Marion
El Dorado
Wynne
Springdale
Smackover
Stamps
Little Rock
Pocahontas
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
3.4
2.6
6.6
9.1
5.8
3.4
23.9
2.6
3.3
30.3
28.4
20.8
2.6
1.4
0.8
28.5
3.7
0.0
7.1
2.0
19.8
13.0
41.3
26.4
12.6
5.4
16.9
17.2
25.1
14.1
22.6
18.1
13.7
20.7
15.5
4.5
13.8
6.9
5.1
33.21
19.30
18.84
18.27
18.21
16.37
15.36
14.93
14.74
14.70
14.65
14.60
14.59
14.55
14.18
14.18
13.82
13.75
13.61
13.57
13.39
13.28
12.66
12.57
12.53
12.51
12.48
12.41
12.26
12.12
12.04
12.01
11.95
11.83
11.78
11.73
11.65
11.42
11.36
Page 8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
33.24
18.88
18.76
18.30
18.65
17.33
15.46
15.92
14.69
14.63
14.56
14.30
14.70
14.57
13.94
14.98
12.88
14.06
13.27
12.90
14.18
13.47
12.72
13.08
11.15
12.48
11.70
12.51
12.19
11.77
11.92
12.84
11.95
11.84
11.30
12.18
11.90
11.81
10.66
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
160,333
95,047
80,275
202,343
118,776
135,313
670,571
4,983,272
187,882
115,885
106,082
158,296
92,812
118,772
135,839
113,020
11,416,826
16,948
587,432
46,690
33,819
124,337
662,345
83,822
63,457
375,297
340,668
35,989
502,006
1,255,160
475,208
148,274
869,056
229,878
378,163
188,350
76,298
392,849
64,516
1.0%
13.6%
1.0%
1.6%
-12.7%
-3.3%
-0.1%
5.4%
-0.8%
12.5%
24.2%
13.3%
-0.3%
5.4%
11.7%
9.2%
37.6%
-6.8%
2.5%
-2.6%
-8.7%
1.6%
-3.9%
2.7%
0.3%
1.7%
-6.2%
-5.0%
0.7%
3.9%
0.1%
-1.5%
-4.7%
9.3%
13.5%
-3.8%
1.7%
2.7%
37.5%
Total
Deposits
($000)
104,832
71,960
65,123
163,530
89,591
106,437
527,771
3,595,207
160,055
90,467
78,386
121,841
77,965
97,221
116,402
92,831
9,638,668
13,961
487,798
40,655
28,812
107,041
549,808
67,915
56,209
325,156
221,171
31,371
405,773
1,045,805
394,947
128,061
640,425
197,111
313,419
165,165
66,908
315,107
54,844
LTM
Brokered ROAA
(%)
(%)
0.0%
7.4%
0.0%
0.0%
12.2%
0.0%
5.8%
0.8%
0.3%
0.0%
0.0%
4.5%
0.0%
0.0%
0.3%
0.0%
17.0%
0.0%
9.5%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.5%
1.8%
0.0%
6.0%
1.1%
0.0%
25.4%
8.1%
0.0%
0.0%
0.0%
0.0%
7.1%
0.0%
1.36
1.30
0.73
0.61
1.25
0.89
1.09
2.26
0.54
1.21
1.90
0.99
1.04
1.68
1.37
0.85
2.19
0.44
0.93
1.32
0.56
-0.23
1.15
0.90
0.78
1.66
2.09
-0.22
0.71
1.40
1.41
0.94
3.09
0.96
0.80
0.92
0.97
0.58
1.25
NIM LTM Net
(FTE) Income
(%)
($000)
4.41
3.72
3.10
4.05
3.36
3.01
4.59
5.22
3.48
5.58
5.45
4.14
4.62
3.97
3.67
3.47
5.12
3.42
4.15
3.84
4.48
4.15
4.16
4.14
4.00
4.39
3.73
3.55
4.12
3.82
4.66
3.92
4.73
4.62
3.81
3.11
3.34
3.40
4.29
2,182
1,185
585
1,213
1,566
1,229
7,458
106,710
1,031
1,340
1,828
1,467
968
1,945
1,776
933
204,523
77
5,229
578
199
-282
7,817
740
470
6,196
7,186
-80
3,523
17,031
6,587
1,413
26,868
2,199
2,739
1,765
737
2,224
683
Arkansas Banks, Texas Ratio <75%
Bank
City
Top
Level
Ticker
Farmers Bank
Hamburg
Petit Jean State Bank
Morrilton
First NaturalState Bank
McGehee
First National Bank of Crossett
Crossett
River Town Bank
Dardanelle
Gateway Bank
Rison
First State Bank
Russellville
First National Bank at Paris
Paris
Horatio State Bank
Horatio
Merchants and Farmers Bank
Dumas
Union Bank of Mena
Mena
FBT Bank & Mortgage
Fordyce
Merchants & Planters Bank
Clarendon
First National Bank of North Arkansas
Berryville
Bank of Little Rock
Little Rock
First National Bank of Lawrence County at Walnut
Walnut
Ridge Ridge
First National Bank
Paragould
Peoples Bank
Magnolia
Integrity First Bank, National Association
Mountain Home
Fidelity National Bank
West Memphis
HomeBank of Arkansas
Portland
Bank of Salem
Salem
Cornerstone Bank
Eureka Springs
First National Bank of Wynne
Wynne
First State Bank of Warren
Warren
First Delta Bank
Marked Tree
FNBC Bank
Ash Flat
First Service Bank
Greenbrier
Bank of McCrory
McCrory
Bear State Bank, National Association
Little Rock
BSF
Riverwind Bank
Augusta
Farmers & Merchants Bank
Stuttgart
Arkansas County Bank
De Witt
Commercial Bank & Trust Company
Monticello
Diamond Bank
Murfreesboro
First National Bank of Eastern Arkansas
Forrest City
Malvern National Bank
Malvern
Simmons Bank
Pine Bluff
SFNC
First State Bank
Lonoke
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
1.8
8.4
15.5
10.5
19.1
6.6
4.9
3.8
4.7
5.0
3.8
2.7
3.9
12.3
24.5
3.2
3.5
9.8
0.5
5.0
43.3
16.9
25.6
6.8
4.4
4.6
13.5
14.5
9.2
12.4
11.3
10.9
23.5
8.8
7.7
2.1
12.4
18.8
53.4
11.36
11.35
11.32
11.28
11.26
11.20
11.11
11.03
10.96
10.95
10.92
10.87
10.86
10.80
10.74
10.73
10.71
10.69
10.68
10.67
10.64
10.59
10.57
10.56
10.53
10.48
10.37
10.31
10.31
10.26
10.23
10.16
10.12
10.05
10.01
9.97
9.95
9.93
9.89
Page 9
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
9.61
11.26
11.65
11.14
12.10
10.48
11.10
10.91
10.99
11.12
10.75
10.63
11.15
10.75
10.63
10.06
10.64
11.30
10.40
10.83
10.68
10.42
10.42
10.76
10.48
10.75
8.71
10.03
10.97
10.21
10.21
9.85
10.68
10.09
10.85
10.02
9.84
9.50
9.96
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
42,614
190,958
52,922
143,747
142,880
52,670
229,239
134,335
168,095
112,509
225,973
150,565
47,127
190,892
202,040
206,645
1,033,636
151,604
441,960
391,933
75,398
131,092
194,658
282,060
113,629
56,872
375,588
271,799
75,790
1,918,917
90,772
1,003,382
171,530
192,627
494,617
388,026
511,553
7,518,455
262,782
-2.0%
5.1%
-4.3%
0.6%
-4.6%
53.9%
9.2%
1.5%
11.2%
-1.4%
5.8%
10.1%
-3.9%
2.2%
-0.8%
9.4%
20.0%
5.2%
5.3%
1.0%
0.6%
0.8%
15.0%
0.0%
10.1%
-1.5%
4.4%
5.5%
-11.4%
30.1%
6.5%
49.7%
-2.3%
1.3%
7.0%
2.8%
7.8%
61.8%
3.7%
Total
Deposits
($000)
38,457
162,050
46,646
127,188
122,238
47,055
192,250
114,978
149,070
98,793
198,999
119,610
41,692
168,600
179,271
184,980
835,419
91,092
372,185
348,735
67,109
114,273
155,125
240,417
101,540
50,516
267,245
224,244
67,428
1,612,674
79,345
821,028
135,181
172,809
422,576
346,974
391,977
6,169,177
235,529
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
5.6%
0.0%
6.1%
0.0%
0.0%
0.0%
0.0%
6.6%
1.7%
2.2%
0.0%
37.7%
0.0%
0.0%
0.0%
3.8%
0.2%
0.0%
0.0%
0.0%
0.3%
20.8%
0.0%
1.4%
2.0%
0.8%
1.2%
0.0%
0.3%
0.0%
0.0%
3.9%
0.0%
-0.27
1.10
0.47
1.01
0.24
0.42
1.07
1.79
1.39
0.79
1.96
1.17
0.69
1.16
0.73
0.57
1.12
1.64
0.82
1.23
0.60
1.19
1.65
1.08
0.56
0.80
0.83
1.07
0.68
0.82
0.73
0.96
1.02
1.58
1.41
0.73
0.33
1.48
-0.45
NIM LTM Net
(FTE) Income
(%)
($000)
2.68
3.44
3.26
4.23
3.70
5.04
3.87
4.69
4.40
4.40
4.45
4.45
3.03
5.07
4.13
4.02
3.90
4.06
3.91
2.99
4.60
5.08
4.73
3.82
3.27
3.37
3.96
4.83
2.92
3.91
4.42
3.87
4.06
4.13
4.03
2.84
3.34
5.08
2.96
-117
2,050
251
1,428
355
176
2,380
2,386
2,220
913
4,248
1,675
327
2,189
1,464
1,084
10,982
2,456
3,483
4,733
449
1,540
3,002
3,055
610
480
3,064
2,756
567
12,858
651
8,203
1,811
3,019
6,785
2,770
1,607
104,611
-1,142
Arkansas Banks, Texas Ratio <75%
Bank
City
Union Bank & Trust Company
Merchants & Planters Bank
Southern Bancorp Bank
Farmers Bank and Trust Company
Capital Bank
Twin Lakes Community Bank
First State Bank of DeQueen
Centennial Bank
Bank of Cave City
Anstaff Bank N.A.
Generations Bank
Farmers Bank & Trust Company
Riverside Bank
First Community Bank
Security Bank
Piggott State Bank
First Western Bank
Priority Bank
Arvest Bank
Citizens Bank
Forrest City Bank, N.A.
One Bank & Trust, National Association
Monticello
Newport
Arkadelphia
Blytheville
Little Rock
Flippin
De Queen
Conway
Cave City
Green Forest
Camden
Magnolia
Sparkman
Batesville
Stephens
Piggott
Booneville
Fayetteville
Fayetteville
Batesville
Forrest City
Little Rock
Top
Level
Ticker
HOMB
FOCF
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
42.1
10.3
17.5
17.6
21.4
13.2
2.9
10.3
20.3
8.1
17.8
18.7
4.6
22.4
6.3
0.4
24.4
35.5
14.0
14.3
23.3
61.5
9.67
9.66
9.62
9.56
9.56
9.56
9.12
9.09
9.04
9.01
8.97
8.95
8.74
8.52
8.51
8.48
8.08
8.06
7.96
7.65
7.29
5.24
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,638
2,492
332
8,943
Page 10
TCE/
TA
(%)
9.63
9.63
9.73
9.35
10.96
9.24
8.82
9.03
8.91
8.83
8.91
9.23
8.71
8.49
7.87
9.96
8.12
8.03
8.26
7.68
9.57
5.16
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
197,074
245,371
1,144,623
462,081
145,387
122,466
222,012
9,370,968
99,984
437,678
385,785
1,264,214
60,141
1,075,632
59,838
83,798
343,716
83,827
16,419,361
736,213
48,866
324,365
0.1%
-2.6%
-1.8%
10.4%
-5.8%
18.4%
4.1%
24.9%
2.5%
3.3%
10.0%
2.0%
4.3%
12.1%
7.2%
4.7%
6.0%
6.5%
3.8%
29.5%
-10.1%
-2.5%
Total
Deposits
($000)
159,997
214,964
925,301
395,818
98,758
102,441
190,817
6,637,497
86,903
382,426
332,924
1,120,624
51,693
859,639
53,388
74,906
303,360
53,021
13,904,862
574,465
44,036
274,024
LTM
Brokered ROAA
(%)
(%)
2.5%
0.6%
0.3%
2.2%
33.3%
1.8%
24.8%
5.1%
6.4%
1.9%
0.5%
0.3%
0.0%
0.4%
10.8%
0.0%
9.1%
8.9%
0.3%
0.6%
0.0%
15.5%
1.49
0.72
0.81
2.18
0.39
1.24
1.63
1.78
1.18
1.25
0.92
1.62
2.68
0.96
0.79
1.31
0.56
1.70
0.44
0.74
-0.28
1.02
NIM LTM Net
(FTE) Income
(%)
($000)
3.98
3.85
4.39
4.44
2.71
3.85
4.39
4.92
4.28
3.62
4.21
4.47
5.21
3.95
4.20
3.67
4.10
4.31
2.92
3.86
2.79
3.07
2,919
1,786
9,387
9,608
565
1,400
3,470
154,190
1,162
5,365
3,415
20,163
1,606
9,793
468
1,069
1,889
1,362
69,694
4,523
-137
3,352
Arkansas Banks, Texas Ratio >75%
Bank
City
Allied Bank
Heartland Bank
Pinnacle Bank
Mulberry
Little Rock
Rogers
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
277.2
118.2
151.5
6.49
10.44
10.81
1,148
0
0
Page 11
TCE/
TA
(%)
6.87
10.84
10.53
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
72,378
231,392
95,237
-32.5%
-4.4%
8.0%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
67,146
202,633
77,684
0.0%
4.9%
0.0%
-3.56
-1.08
0.24
NIM LTM Net
(FTE) Income
(%)
($000)
3.25
4.95
2.48
-3,118
-2,617
210
Florida Banks, Texas Ratio <75%
Bank
City
Bank of the South
Home Federal Bank of Hollywood
Warrington Bank
TransCapital Bank
Bank of Pensacola
Coconut Grove Bank
First National Bank of Mount Dora
Florida Business Bank
Plus International Bank
Sunstate Bank
First National Bank Northwest Florida
Sunrise Bank
One South Bank
Landmark Bank, National Association
Drummond Community Bank
Axiom Bank
Hillsboro Bank
Peoples Bank of Graceville
First Green Bank
Surety Bank
City National Bank of Florida
FirstAtlantic Bank
First Federal Bank of Florida
Pacific National Bank
Intercontinental Bank
Helm Bank USA
American National Bank
FNBT Bank
Palm Beach Community Bank
First State Bank of Arcadia
Commerce National Bank & Trust
Summit Bank, National Association
Sunshine Savings Bank
CBC National Bank
Paradise Bank
TotalBank
Community State Bank
First National Bank of Wauchula
GulfShore Bank
Flagship Community Bank
Harbor Community Bank
Pensacola
Hallandale Beach
Pensacola
Sunrise
Pensacola
Miami
Mount Dora
Melbourne
Miami
Miami
Panama City
Cocoa Beach
Chipley
Fort Lauderdale
Chiefland
Maitland
Plant City
Graceville
Orlando
Deland
Miami
Jacksonville
Lake City
Miami
West Miami
Miami
Oakland Park
Fort Walton Beach
West Palm Beach
Arcadia
Winter Park
Panama City
Tallahassee
Fernandina Beach
Boca Raton
Miami
Starke
Wauchula
Tampa
Clearwater
Indiantown
Top
Level
Ticker
FLBD
BCI
FFHD
SSNF
CBCO
POP
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
0.0
25.1
0.0
66.4
0.0
4.9
23.1
1.8
0.0
11.7
5.0
1.9
30.3
44.7
7.6
23.0
1.7
10.4
3.2
45.4
3.2
5.1
11.4
5.1
0.4
18.3
4.3
14.6
1.3
33.9
25.7
9.1
23.3
20.9
0.8
8.4
13.6
35.1
5.1
24.4
19.7
20.17
18.18
17.89
16.82
16.13
15.80
14.72
14.71
14.31
14.21
13.94
13.92
13.73
13.62
13.46
13.44
13.43
13.37
13.21
13.05
12.85
12.63
12.57
12.55
12.51
12.49
12.35
11.98
11.96
11.92
11.90
11.85
11.78
11.74
11.68
11.64
11.63
11.57
11.51
11.40
11.34
Page 12
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
19.07
15.95
18.07
16.28
15.31
14.59
15.29
14.78
14.42
14.95
14.13
12.54
13.75
12.83
13.37
14.33
14.07
13.73
12.63
13.92
12.47
12.50
12.58
12.31
13.15
12.71
12.32
11.82
11.96
11.76
12.04
11.68
12.74
10.70
11.37
11.24
9.58
11.23
11.54
12.42
11.02
76,343
41,424
85,133
175,790
73,210
695,285
209,799
109,347
102,276
156,048
111,953
146,922
41,395
407,344
415,905
666,241
119,466
87,840
411,176
91,656
7,103,818
424,665
1,185,124
447,685
147,525
739,214
289,406
382,890
326,041
144,455
83,897
361,063
162,191
474,384
309,542
2,869,334
85,900
71,714
301,505
104,698
1,753,227
4.8%
-1.1%
-2.2%
3.5%
6.3%
10.5%
1.3%
-0.9%
-18.7%
-12.8%
0.6%
26.8%
5.1%
11.9%
6.7%
0.2%
-0.3%
0.9%
22.8%
-5.0%
27.4%
8.2%
2.5%
18.0%
-8.2%
-1.5%
8.2%
2.8%
3.6%
4.3%
9.8%
2.7%
5.2%
-7.5%
-6.0%
6.6%
30.2%
-3.9%
4.2%
4.5%
40.6%
61,766
29,169
69,688
146,003
61,986
577,260
175,106
92,608
86,499
132,275
95,934
124,982
35,639
325,190
348,453
496,614
101,397
75,537
347,078
78,697
4,768,962
354,381
924,916
320,103
127,235
631,667
248,561
316,283
264,297
124,980
72,364
291,912
138,556
320,037
267,480
2,043,045
77,442
61,860
250,905
91,348
1,444,173
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
44.5%
0.0%
0.0%
11.1%
3.5%
0.6%
0.4%
8.7%
0.0%
0.0%
0.0%
0.0%
5.3%
0.4%
7.8%
0.0%
0.0%
0.0%
3.4%
0.0%
0.0%
0.0%
0.0%
3.9%
0.0%
22.5%
0.0%
13.4%
0.0%
0.0%
6.7%
11.1%
0.8%
-0.06
-3.03
0.33
1.82
-0.30
0.46
0.76
0.89
0.05
0.24
0.41
0.78
0.63
1.10
1.36
0.57
1.09
1.34
0.80
1.50
0.78
0.83
1.09
0.50
0.38
0.45
0.87
0.72
1.81
1.36
1.30
0.75
0.03
1.45
2.13
0.60
0.33
0.32
0.40
0.35
0.41
NIM LTM Net
(FTE) Income
(%)
($000)
1.95
4.03
2.23
3.66
2.29
2.47
3.73
3.69
3.61
3.31
3.17
3.87
4.24
4.32
4.94
3.52
3.80
3.11
4.32
4.31
3.05
4.14
3.77
3.37
2.00
3.84
3.71
2.75
4.27
3.96
3.81
3.94
4.09
4.03
4.25
3.01
4.26
4.23
3.31
3.70
3.85
-44
-1,194
289
3,171
-202
2,919
1,571
948
58
401
465
958
270
4,179
5,267
3,920
1,263
1,119
3,004
1,443
48,339
3,434
12,656
2,093
627
3,292
2,419
2,740
5,793
1,910
1,059
2,706
42
6,521
6,564
16,509
226
235
1,167
369
6,299
Florida Banks, Texas Ratio <75%
Bank
City
Sunshine Bank
Regent Bank
First Florida Bank
C1 Bank
Floridian Community Bank, Inc.
Gateway Bank of Florida
Wauchula State Bank
First National Bank of Pasco
Columbia Bank
First Home Bank
Ocean Bank
Nature Coast Bank
First Colony Bank of Florida
Seacoast National Bank
Peoples National Bank
Preferred Community Bank
Cornerstone Community Bank
Professional Bank
FirstCity Bank of Commerce
Intercredit Bank, NA
Stonegate Bank
Florida Bank of Commerce
Jefferson Bank of Florida
Central Bank
Raymond James Bank, National Association
Anchor Commercial Bank
BankUnited, National Association
Capital City Bank
Terrabank, N.A.
International Finance Bank
Citizens Bank of Florida
Flagler Bank
Marquis Bank
Apollo Bank
Eastern National Bank
Legacy Bank of Florida
Mainstreet Community Bank of Florida
Executive National Bank
First Bank of the Palm Beaches
United Southern Bank
Patriot Bank
Plant City
Davie
Destin
Saint Petersburg
Davie
Daytona Beach
Wauchula
Dade City
Lake City
Seminole
Miami
Hernando
Maitland
Stuart
Niceville
Fort Myers
Saint Petersburg
Coral Gables
Palm Beach Gardens
Miami
Pompano Beach
Orlando
Oldsmar
Tampa
Saint Petersburg
Juno Beach
Miami Lakes
Tallahassee
Miami
Miami
Oviedo
West Palm Beach
Coral Gables
Miami
Miami
Boca Raton
Deland
Miami
West Palm Beach
Umatilla
Trinity
Top
Level
Ticker
SBCP
RGTB
BNK
FHBI
NCBF
SBCF
CZRT
PFHD
SGBK
JFBF
RJF
BKU
CCBG
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
2.2
62.0
2.6
39.9
11.0
7.0
37.3
13.2
55.0
8.2
19.3
14.5
6.0
10.5
24.6
7.0
19.3
1.4
26.0
10.5
5.5
3.5
1.5
9.5
4.3
22.9
3.8
24.6
6.0
28.4
15.7
24.1
7.8
6.5
6.3
25.1
14.1
12.2
4.1
27.2
16.0
11.32
11.25
11.18
11.13
11.06
11.05
10.97
10.81
10.71
10.65
10.62
10.50
10.50
10.41
10.38
10.38
10.31
10.27
10.24
10.22
10.21
10.16
10.08
10.07
10.06
10.05
10.03
9.97
9.94
9.91
9.88
9.85
9.79
9.76
9.75
9.68
9.65
9.63
9.60
9.58
9.55
Page 13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
11.25
11.09
10.85
10.93
10.71
10.41
11.00
11.58
10.58
9.61
12.70
12.22
9.89
10.14
10.62
11.37
11.53
8.82
8.57
10.35
9.86
9.92
9.71
9.83
9.92
10.69
9.78
9.01
10.02
12.53
9.57
9.55
9.53
9.51
10.38
12.06
9.62
9.51
10.42
9.30
11.87
522,593
357,948
319,321
1,785,610
390,349
268,465
633,474
142,612
187,804
115,751
3,292,375
64,620
202,592
3,998,809
101,991
110,273
247,621
360,315
71,381
342,438
2,455,843
302,200
270,335
122,530
15,993,552
108,408
24,701,857
2,770,591
321,814
332,732
242,225
215,421
384,116
547,561
403,581
284,253
276,887
366,258
136,109
466,747
148,027
111.2%
2.4%
8.9%
11.8%
-2.6%
18.8%
4.9%
1.2%
6.1%
27.1%
1.7%
15.2%
18.0%
23.7%
-7.5%
17.7%
4.0%
35.5%
6.8%
7.5%
8.8%
11.5%
16.6%
20.8%
16.2%
4.1%
24.6%
3.6%
8.9%
2.8%
2.0%
23.6%
26.1%
11.5%
0.5%
2.9%
9.5%
8.1%
22.9%
8.7%
8.5%
426,905
300,800
279,132
1,352,530
295,569
226,263
548,643
120,917
167,193
99,374
2,819,661
56,647
182,117
3,223,400
91,048
95,643
207,289
307,488
62,001
265,387
2,090,795
265,025
229,925
99,368
13,678,847
96,611
17,655,613
2,311,136
282,291
289,385
214,841
184,702
319,868
488,974
331,100
237,336
249,219
310,644
109,277
419,512
128,994
LTM
Brokered ROAA
(%)
(%)
10.2%
3.1%
0.0%
7.4%
2.1%
8.2%
0.1%
0.0%
0.0%
0.0%
0.0%
0.0%
6.4%
1.5%
0.0%
0.8%
0.0%
0.0%
3.6%
0.0%
16.2%
0.0%
5.0%
7.7%
2.5%
12.8%
7.5%
0.0%
8.2%
0.0%
5.0%
0.0%
5.0%
0.0%
0.0%
0.0%
3.4%
6.7%
0.0%
0.0%
0.0%
-0.26
1.10
0.89
1.12
0.03
0.75
1.98
0.37
0.97
2.88
0.57
0.41
1.75
0.61
-0.49
1.25
0.77
0.42
-0.08
1.38
1.15
0.82
0.61
0.76
1.32
0.49
1.20
0.42
0.68
-0.24
0.39
1.89
0.81
0.61
0.29
0.59
0.87
0.56
1.47
0.63
0.53
NIM LTM Net
(FTE) Income
(%)
($000)
3.59
3.97
3.50
4.66
3.57
3.26
4.47
4.00
3.62
4.32
3.88
4.06
3.82
3.84
3.58
4.25
3.92
3.61
3.48
3.46
4.14
4.13
3.44
3.48
3.07
3.79
3.94
3.36
4.07
3.83
3.94
3.95
3.56
3.96
3.51
3.62
3.99
3.80
4.30
3.47
3.91
-1,096
3,830
2,761
18,987
102
1,737
12,142
501
1,743
2,788
18,694
241
3,117
20,809
-526
1,234
1,865
1,267
-59
4,696
26,835
2,349
1,497
838
191,179
536
267,604
11,186
2,089
-768
919
3,669
2,701
3,097
1,181
1,695
2,312
1,930
1,894
2,788
730
Florida Banks, Texas Ratio <75%
Bank
City
Gateway Bank of Southwest Florida
Sarasota
Florida Community Bank, National Association Weston
Fidelity Bank of Florida, National Association
Merritt Island
Community Bank of the South
Merritt Island
Platinum Bank
Brandon
Heartland National Bank
Sebring
NorthStar Bank
Tampa
Farmers & Merchants Bank
Monticello
Prime Meridian Bank
Tallahassee
Insignia Bank
Sarasota
Banesco USA
Coral Gables
First Citrus Bank
Tampa
USAmeriBank
Clearwater
Atlantic Coast Bank
Jacksonville
Oculina Bank
Fort Pierce
Sabal Palm Bank
Sarasota
Florida Capital Bank, N.A.
Jacksonville
Peoples State Bank
Lake City
FineMark National Bank & Trust
Fort Myers
Marine Bank & Trust Company
Vero Beach
Intracoastal Bank
Palm Coast
Charlotte State Bank & Trust
Port Charlotte
Madison County Community Bank
Madison
First State Bank of the Florida Keys
Key West
Citizens First Bank
The Villages
Pilot Bank
Tampa
Community Bank and Trust of Florida
Ocala
CenterState Bank of Florida, National Association Winter Haven
Encore Bank, National Association
Naples
First Bank
Clewiston
Citizens Bank and Trust
Lake Wales
Continental National Bank
Miami
Sanibel Captiva Community Bank
Sanibel
U.S. Century Bank
Doral
Freedom Bank
Saint Petersburg
Englewood Bank & Trust
Englewood
Bank of Belle Glade
Belle Glade
HomeBanc National Association
Tampa
1st Manatee Bank
Parrish
First National Bank of South Miami
South Miami
Gibraltar Private Bank & Trust Co.
Coral Gables
Top
Level
Ticker
FCB
PMHG
FCIT
USAB
ACFC
PLBN
CSFL
FMIA
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
0.0
9.8
51.0
11.2
7.8
9.7
6.0
15.8
0.5
8.0
14.7
31.1
14.8
30.5
8.5
0.0
38.7
69.0
5.5
9.8
0.0
26.3
24.3
20.8
13.1
23.5
6.9
15.6
7.9
25.8
21.4
4.4
8.9
42.5
6.1
22.8
12.5
1.4
19.0
1.5
23.7
9.54
9.54
9.52
9.52
9.46
9.46
9.38
9.37
9.36
9.31
9.27
9.26
9.24
9.20
9.20
9.19
9.12
8.97
8.89
8.88
8.88
8.87
8.86
8.85
8.84
8.83
8.80
8.78
8.76
8.71
8.71
8.70
8.70
8.68
8.68
8.64
8.62
8.54
8.54
8.52
8.46
Page 14
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
9.24
9.40
13.91
9.60
8.96
9.28
10.14
9.39
9.22
8.97
9.40
8.95
8.94
8.89
8.83
11.55
7.46
9.07
8.58
8.61
9.05
8.80
8.82
8.79
8.71
11.14
8.92
7.98
8.51
8.38
8.85
7.40
8.31
6.08
8.45
8.25
8.67
7.18
8.37
8.12
8.33
279,593
7,683,853
232,808
135,100
586,224
342,275
211,184
442,864
263,929
255,469
954,827
282,186
3,764,890
891,789
255,845
135,702
386,502
77,876
1,206,996
206,725
282,354
317,452
110,416
894,034
1,976,385
230,434
667,714
4,960,829
377,727
306,667
491,532
441,260
292,433
895,375
187,656
255,873
93,322
1,013,223
147,011
615,666
1,645,984
17.3%
26.7%
0.3%
-2.0%
7.4%
5.7%
5.3%
1.9%
19.8%
32.5%
6.9%
12.1%
15.5%
19.6%
30.8%
10.5%
1.2%
10.7%
29.1%
23.2%
12.3%
4.3%
-4.5%
6.6%
9.6%
1.7%
9.0%
27.9%
3.7%
6.3%
7.4%
16.8%
4.0%
-1.8%
43.3%
12.0%
-3.3%
11.6%
14.5%
0.8%
3.9%
252,230
5,910,655
149,935
113,187
495,090
306,027
153,843
376,949
238,878
215,243
796,942
226,020
3,232,215
554,018
221,091
119,418
267,997
70,574
1,013,361
187,660
255,783
286,738
100,312
642,415
1,576,980
188,181
605,947
4,094,285
333,505
278,755
429,997
392,501
242,821
769,927
170,870
232,799
85,106
776,740
133,194
495,823
1,147,484
LTM
Brokered ROAA
(%)
(%)
10.0%
8.3%
0.0%
0.0%
6.3%
0.0%
0.0%
0.0%
0.0%
0.8%
7.9%
13.0%
7.1%
7.5%
4.0%
1.5%
0.0%
0.0%
3.2%
1.4%
0.0%
0.0%
0.0%
0.0%
0.0%
4.3%
0.0%
3.3%
0.1%
2.4%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
11.1%
0.0%
0.0%
0.3%
0.85
1.35
0.37
0.23
1.16
0.77
0.14
1.22
0.80
0.48
0.32
0.40
1.10
0.77
0.77
0.37
0.24
0.32
0.65
0.61
1.42
1.68
0.50
1.22
1.06
0.30
0.74
0.70
0.51
0.76
0.72
0.53
1.38
0.06
0.58
1.65
0.36
0.69
0.61
0.41
0.41
NIM LTM Net
(FTE) Income
(%)
($000)
3.80
3.57
3.57
2.34
3.75
3.12
3.66
3.74
3.90
3.50
3.81
4.05
3.65
3.05
3.50
3.50
3.11
4.05
3.01
3.72
3.58
3.38
3.07
3.18
2.45
3.71
3.31
4.51
3.40
4.18
3.55
3.63
4.32
3.29
3.99
3.56
2.27
2.48
3.96
2.76
3.24
2,162
91,382
843
309
6,348
2,544
282
5,309
1,910
1,018
2,996
1,042
38,824
6,212
1,703
481
806
237
6,831
1,119
3,728
5,130
551
10,112
19,673
684
4,616
28,461
1,774
2,171
3,453
2,157
3,816
548
926
3,845
341
6,762
849
2,454
6,493
Florida Banks, Texas Ratio <75%
Bank
City
Biscayne Bank
Citizens State Bank
Gateway Bank of Central Florida
BAC Florida Bank
EverBank
Mackinac Savings Bank, FSB
Bank of Tampa
Century Bank of Florida
Seaside National Bank & Trust
First Florida Integrity Bank
Bank of Central Florida
Edison National Bank
OptimumBank
Brannen Bank
Brickell Bank
Coconut Grove
Perry
Ocala
Coral Gables
Jacksonville
Boynton Beach
Tampa
Tampa
Orlando
Naples
Lakeland
Fort Myers
Plantation
Inverness
Miami
Top
Level
Ticker
EVER
OPHC
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
1.8
10.4
9.8
36.7
32.0
0.0
11.4
54.2
9.6
2.8
2.1
4.2
52.2
25.7
42.6
8.46
8.45
8.40
8.27
8.25
8.23
8.21
8.21
8.18
8.15
8.13
8.01
7.60
7.14
6.55
Page 15
0
0
0
0
0
0
0
0
0
0
0
0
484
3,851
7,256
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
8.17
8.58
8.56
7.34
7.81
8.22
8.30
8.29
7.98
8.32
8.06
7.74
7.32
7.83
6.61
677,425
272,964
271,841
1,853,859
26,633,379
110,404
1,423,544
73,572
1,367,198
1,173,782
421,672
299,915
126,389
458,214
495,941
26.2%
-2.2%
24.9%
13.3%
14.1%
1.2%
3.1%
3.9%
21.6%
14.1%
4.1%
8.5%
-1.9%
6.8%
-23.9%
547,192
249,065
230,093
1,499,688
19,110,366
97,814
1,292,146
54,904
1,181,341
919,303
385,279
265,738
93,138
422,000
371,017
LTM
Brokered ROAA
(%)
(%)
11.1%
9.5%
0.5%
17.7%
23.3%
0.0%
0.1%
0.0%
23.4%
3.3%
21.3%
0.0%
0.0%
0.0%
5.4%
1.31
0.97
0.73
0.73
0.63
0.31
0.84
0.38
0.55
0.47
0.64
0.62
0.38
1.33
-2.21
NIM LTM Net
(FTE) Income
(%)
($000)
3.71
5.32
3.74
2.74
2.99
2.48
3.39
4.15
3.22
2.97
3.42
2.60
3.38
3.32
2.37
7,921
2,775
1,774
12,670
155,857
343
11,832
273
6,807
5,378
2,652
1,728
468
5,888
-12,040
Florida Banks, Texas Ratio >75%
Bank
City
Pinnacle Bank
First City Bank of Florida
Bank of Commerce
Beach Community Bank
Lafayette State Bank
Gulf Coast Community Bank
Friends Bank
Interamerican Bank, A FSB
Orange City
Fort Walton Beach
Sarasota
Fort Walton Beach
Mayo
Pensacola
New Smyrna Beach
Miami
Top
Level
Ticker
BCBF
FRIE
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
209.8
524.6
235.7
807.8
252.1
260.4
126.9
103.1
2.17
2.57
2.74
3.41
3.86
4.34
7.93
12.08
Page 16
8,018
11,549
11,197
24,614
3,344
4,882
72
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
2.11
2.51
2.65
3.42
3.94
4.26
7.45
12.14
126,460
216,775
211,277
538,259
78,902
132,464
104,968
209,783
-16.4%
-6.2%
-3.2%
-2.5%
-9.5%
-5.0%
7.1%
-4.5%
118,382
200,779
169,737
490,000
75,428
116,422
96,845
183,320
LTM
Brokered ROAA
(%)
(%)
4.4%
0.0%
0.0%
0.0%
5.3%
0.0%
0.0%
0.0%
-0.42
-0.16
-0.50
-0.47
-1.45
-0.31
0.77
0.28
NIM LTM Net
(FTE) Income
(%)
($000)
2.84
3.16
3.07
2.51
3.62
4.33
3.98
3.57
-629
-353
-1,064
-2,526
-1,214
-429
743
614
Georgia Banks, Texas Ratio <75%
Bank
City
Bank of Hancock County
West Central Georgia Bank
Elberton Federal Savings & Loan Association
American Pride Bank
Newton Federal Bank
Bank of Dawson
CharterBank
First Federal Savings and Loan Association of Valdosta
First Intercontinental Bank
First National Bank of Waynesboro
Bank of Lumber City
State Bank of Georgia
First National Bank South
F&M Bank
Wheeler County State Bank
Rochelle State Bank
Bank of Madison
Wilkinson County Bank
Pelham Banking Company
Bank of Camilla
Durden Banking Company, Incorporated
Security State Bank
First Peoples Bank
Farmers State Bank
Merchants & Citizens Bank
State Bank of Cochran
Commercial State Bank
Farmers State Bank
Touchmark National Bank
Bank of LaFayette, Georgia
Farmers and Merchants Bank
Thomas County Federal Savings & Loan Association
United National Bank
Chattahoochee Bank of Georgia
Citizens Bank
Community Bank of Georgia
Commercial Banking Company
Vidalia Federal Savings Bank
First State Bank of Blakely
Metro City Bank
State Bank and Trust Company
Sparta
Thomaston
Elberton
Macon
Covington
Dawson
West Point
Valdosta
Doraville
Waynesboro
Lumber City
Fayetteville
Alma
Washington
Alamo
Rochelle
Madison
Irwinton
Pelham
Camilla
Twin City
McRae
Pine Mountain
Dublin
McRae
Cochran
Donalsonville
Lincolnton
Alpharetta
Lafayette
Sylvania
Thomasville
Cairo
Gainesville
Cairo
Baxley
Valdosta
Vidalia
Blakely
Doraville
Macon
Top
Level
Ticker
CHFN
FIEB
TMAK
MCBS
STBZ
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
2.8
3.1
0.8
6.0
19.5
7.5
6.2
18.0
2.7
2.5
4.0
11.7
9.9
13.2
4.9
0.8
25.1
10.0
1.5
17.9
5.8
0.0
10.7
17.8
16.7
14.4
20.2
18.8
1.6
10.7
18.4
20.4
18.2
0.0
12.6
20.4
14.5
10.3
3.4
5.6
8.4
24.52
24.10
22.90
19.46
19.23
17.90
17.13
16.80
16.64
16.47
16.18
16.17
15.58
15.34
14.71
14.66
14.64
14.50
14.49
14.40
14.24
14.23
14.15
14.00
13.97
13.95
13.88
13.85
13.78
13.71
13.45
13.39
13.27
13.21
13.05
13.00
12.98
12.90
12.89
12.88
12.86
Page 17
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
23.65
24.10
23.13
19.08
19.14
17.31
16.80
17.11
16.47
16.67
15.45
14.56
15.27
16.44
14.97
14.78
14.43
13.79
14.77
14.79
14.04
14.86
14.09
14.01
13.55
13.75
15.34
14.31
13.79
13.13
13.61
12.30
13.14
13.17
12.92
12.94
12.71
12.77
12.90
11.64
12.64
86,699
121,058
21,096
135,122
231,645
117,891
1,049,700
165,486
298,594
120,992
23,581
70,572
341,619
249,965
88,487
31,039
209,088
47,869
76,491
103,864
165,194
42,768
102,279
120,833
110,681
216,972
96,460
131,133
218,240
240,497
116,292
245,627
202,955
161,783
32,446
74,157
228,450
228,375
444,124
726,367
3,519,401
-2.8%
2.2%
-0.1%
6.8%
1.3%
2.1%
4.0%
1.5%
10.1%
6.8%
5.7%
4.6%
6.3%
-5.0%
-0.8%
3.0%
0.4%
4.3%
5.3%
3.8%
1.8%
-0.4%
37.2%
4.0%
1.8%
2.7%
-7.7%
0.3%
31.2%
0.4%
-1.4%
-2.4%
15.8%
11.7%
-8.4%
2.6%
2.3%
-0.6%
10.5%
19.5%
24.8%
65,804
90,218
16,198
100,960
182,200
96,709
813,316
113,223
245,106
94,260
19,467
54,413
286,065
203,107
75,061
26,324
167,633
40,982
64,651
87,162
141,678
36,315
86,728
103,695
91,284
186,391
80,160
112,018
167,701
206,066
100,136
201,950
170,454
121,902
27,853
64,375
181,888
199,000
362,388
612,408
2,955,210
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
5.0%
0.0%
0.0%
3.8%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.3%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.1%
3.7%
0.0%
0.0%
2.0%
19.8%
1.0%
0.0%
0.0%
1.4%
0.0%
11.0%
0.5%
1.2%
1.13
1.14
0.39
1.18
0.55
1.04
1.05
0.19
2.32
1.30
0.31
2.72
1.89
0.94
1.02
0.65
1.26
0.32
1.36
0.93
2.11
1.35
0.89
1.32
0.71
1.71
0.83
1.20
1.07
0.72
0.52
-0.71
1.19
0.55
-0.20
1.01
0.70
0.22
1.32
2.67
1.11
NIM LTM Net
(FTE) Income
(%)
($000)
4.47
4.50
3.90
4.29
4.08
4.91
3.86
3.94
4.09
4.60
6.13
4.27
5.51
4.17
4.31
3.34
4.27
4.29
3.68
3.83
4.83
4.30
5.29
4.16
3.37
4.04
4.19
4.18
3.73
3.30
4.24
3.38
4.72
3.76
3.86
4.80
3.50
1.97
4.17
4.97
4.96
995
1,344
83
1,525
1,229
1,173
10,782
307
6,837
1,504
67
1,811
6,235
2,382
916
193
2,622
149
983
934
3,346
576
739
1,551
756
3,595
840
1,535
2,048
1,669
601
-1,767
2,252
821
-71
742
1,580
491
5,785
17,794
35,977
Georgia Banks, Texas Ratio <75%
Bank
City
Independence Bank of Georgia
NOA Bank
Exchange Bank
American Commerce Bank, National Association
First Bank of Coastal Georgia
Farmers & Merchants Bank
First Madison Bank & Trust
Farmers Bank
Resurgens Bank
Four County Bank
Citizens Bank of Cochran
Community Banking Company of Fitzgerald
Citizens Trust Bank
Peoples Bank
Heritage First Bank
Douglas National Bank
Citizens National Bank of Quitman
Peoples State Bank & Trust
Citizens Bank
Bank of Dade
First Port City Bank
Georgia Primary Bank
Glennville Bank
First Bank of Pike
Southeast First National Bank
Citizens Bank of The South
Bank of Alapaha
Southern Bank
Hamilton State Bank
Liberty First Bank
North Georgia National Bank
First National Bank of Decatur County
Bank of Dudley
BankSouth
Synovus Bank
Citizens Community Bank
Rabun County Bank
Citizens Bank & Trust, Inc.
Quantum National Bank
Embassy National Bank
Bank of Hazlehurst
Braselton
Duluth
Milledgeville
Bremen
Pembroke
Eatonton
Athens
Greensboro
Tucker
Allentown
Cochran
Fitzgerald
Atlanta
Willacoochee
Rome
Douglas
Quitman
Baxley
Nashville
Trenton
Bainbridge
Atlanta
Glennville
Molena
Summerville
Sandersville
Alapaha
Sardis
Hoschton
Monroe
Calhoun
Bainbridge
Dublin
Greensboro
Columbus
Hahira
Clayton
Trenton
Suwanee
Lawrenceville
Hazlehurst
Top
Level
Ticker
EXCH
CBHC
CZBS
HMBH
SNV
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
2.7
4.7
13.1
21.3
10.2
72.2
0.8
4.5
1.7
11.8
12.6
5.1
21.6
6.6
7.6
6.7
17.4
16.8
34.0
5.0
2.2
64.7
17.4
55.5
14.2
13.2
2.4
35.8
8.8
21.1
16.0
7.2
17.3
12.4
11.7
9.0
38.4
14.7
3.0
6.2
30.3
12.75
12.74
12.54
12.53
12.44
12.27
12.07
12.06
12.06
12.05
11.95
11.92
11.92
11.87
11.86
11.84
11.79
11.78
11.76
11.70
11.63
11.61
11.49
11.49
11.47
11.46
11.46
11.39
11.36
11.20
11.15
11.13
11.12
11.05
11.04
11.04
10.96
10.89
10.89
10.89
10.88
Page 18
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
12.79
12.82
12.96
11.68
12.49
12.67
11.96
13.22
11.54
12.15
13.13
11.59
12.42
11.80
11.57
11.88
12.66
11.70
11.82
11.69
11.90
7.55
11.42
10.83
10.94
11.15
11.44
11.33
11.34
10.82
11.28
11.40
10.94
10.64
11.45
10.99
10.99
10.57
10.40
10.56
10.63
184,113
253,888
229,484
200,542
132,467
187,374
186,655
105,093
155,357
65,189
74,614
134,271
403,747
74,795
104,165
170,274
97,710
82,361
257,624
100,078
160,147
155,265
214,531
41,376
62,038
215,866
140,394
78,952
1,766,041
120,470
122,946
119,755
210,857
453,882
28,901,215
134,008
154,566
103,114
390,157
94,433
134,457
5.9%
20.4%
0.0%
84.0%
4.3%
-4.7%
8.6%
3.5%
21.2%
9.5%
-3.7%
1.7%
1.4%
7.9%
5.5%
11.0%
2.5%
3.5%
-0.2%
2.7%
5.2%
3.1%
2.1%
-2.5%
2.6%
6.7%
0.4%
-2.8%
5.6%
6.3%
4.6%
1.4%
5.1%
13.4%
5.6%
4.7%
2.6%
6.1%
14.3%
23.5%
16.2%
151,242
211,129
199,156
168,567
114,833
152,706
158,075
83,543
126,629
56,471
63,834
116,407
343,138
65,875
91,583
149,728
81,682
72,428
226,211
88,300
139,654
137,275
188,673
36,352
55,077
171,717
123,846
69,616
1,519,898
105,049
105,818
100,783
187,272
383,613
23,656,612
118,967
129,177
91,043
342,331
82,857
117,384
LTM
Brokered ROAA
(%)
(%)
0.0%
11.4%
0.0%
9.2%
0.0%
0.0%
0.0%
0.0%
5.9%
0.0%
0.0%
0.0%
6.1%
0.0%
0.0%
14.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.2%
0.0%
2.0%
1.5%
0.0%
0.0%
5.1%
0.0%
0.0%
0.0%
8.5%
9.9%
0.0%
0.91
3.32
1.21
0.54
1.52
-0.06
1.40
1.00
1.70
1.73
2.23
1.00
0.50
0.92
0.05
2.41
0.82
1.67
1.03
1.31
1.23
0.48
1.19
0.23
0.35
0.71
0.89
0.63
0.89
1.43
0.59
0.89
0.94
2.31
0.93
1.67
0.72
0.95
1.59
1.55
1.70
NIM LTM Net
(FTE) Income
(%)
($000)
3.96
4.39
4.24
4.07
3.65
3.27
4.61
3.08
4.28
4.43
4.63
4.03
3.40
3.59
4.92
4.76
3.83
4.75
3.75
3.88
4.36
3.86
4.62
5.17
2.78
4.50
4.05
5.24
4.91
3.76
3.44
3.65
4.26
5.09
3.34
4.49
3.61
5.18
4.97
5.13
4.00
1,676
7,482
2,741
904
1,867
-105
2,509
1,005
2,288
1,066
1,656
1,303
1,986
661
53
3,939
790
1,360
2,636
1,246
1,876
730
2,505
97
199
1,461
1,227
497
15,360
1,649
700
1,056
1,877
9,662
262,571
2,200
1,129
922
5,674
1,288
2,116
Georgia Banks, Texas Ratio <75%
Bank
City
Wilcox County State Bank
Altamaha Bank and Trust Company
South Georgia Bank
Citizens State Bank of Taylor County
National Bank of Georgia
Citizens Bank of Swainsboro
SunMark Community Bank
First National Community Bank
Commercial Bank
Southern Bank & Trust
Calumet Bank
South Coast Bank & Trust
South Georgia Banking Company
First National Bank of Coffee County
Mount Vernon Bank
Century Bank of Georgia
Atlantic National Bank
Family Bank
Century Bank & Trust
Guardian Bank
Morris Bank
United Bank
Bank of Early
Colony Bank
Peoples Bank of Talbotton
Community & Southern Bank
Greater Community Bank
First Landmark Bank
Northeast Georgia Bank
Pinnacle Bank
Bank of Terrell
Georgia Bank & Trust Company of Augusta
Southeastern Bank
Mountain Valley Community Bank
SunTrust Bank
Queensborough National Bank & Trust Company
Capital Bank
First American Bank and Trust Company
Pineland State Bank
PrimeSouth Bank
Waycross Bank & Trust
Abbeville
Vidalia
Glennville
Reynolds
Athens
Swainsboro
Hawkinsville
Chatsworth
Crawford
Clarkesville
LaGrange
Brunswick
Tifton
Douglas
Vidalia
Cartersville
Brunswick
Pelham
Milledgeville
Valdosta
Dublin
Zebulon
Blakely
Fitzgerald
Talbotton
Atlanta
Rome
Marietta
Lavonia
Elberton
Dawson
Augusta
Darien
Cleveland
Atlanta
Louisville
Fort Oglethorpe
Athens
Metter
Blackshear
Waycross
Top
Level
Ticker
CBAN
SBFC
SEBC
STI
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
15.7
19.9
25.0
17.4
7.3
19.9
23.3
19.4
17.6
14.0
13.6
0.0
10.3
16.8
5.6
14.8
6.4
18.6
24.1
5.0
23.6
9.6
26.9
26.2
12.9
9.2
7.3
7.0
23.3
11.8
28.5
7.6
26.2
22.4
18.4
23.0
20.1
17.4
29.1
30.6
6.2
10.86
10.79
10.77
10.73
10.66
10.65
10.61
10.60
10.60
10.60
10.59
10.54
10.53
10.53
10.50
10.50
10.49
10.48
10.47
10.47
10.40
10.38
10.36
10.34
10.29
10.22
10.19
10.14
10.04
10.02
10.00
9.97
9.91
9.90
9.88
9.88
9.87
9.83
9.76
9.70
9.69
Page 19
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
10.99
10.47
10.94
11.17
10.07
10.57
10.73
13.72
10.95
10.68
10.76
10.41
10.82
10.30
10.44
10.30
10.07
10.19
9.89
10.47
10.36
10.32
9.72
10.25
7.48
10.32
9.95
10.26
9.17
9.98
10.10
9.99
10.88
10.10
9.73
9.33
9.78
9.56
9.75
10.10
9.89
82,295
159,358
141,255
52,251
406,463
163,579
231,363
144,595
129,344
130,341
147,005
89,885
446,252
142,093
137,719
170,811
170,501
96,447
243,812
293,689
564,899
1,190,801
108,911
1,166,533
55,235
4,069,459
136,395
483,058
461,621
685,162
153,062
1,872,059
415,323
172,718
189,907,589
951,077
113,333
490,800
57,277
362,464
150,822
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
2.9%
73,059
4.9%
142,354
5.4%
122,353
3.0%
46,157
9.9%
314,799
7.8%
144,449
2.3%
203,539
7.6%
124,045
6.7%
106,275
3.4%
115,543
7.4%
128,864
3.3%
80,272
0.2%
387,702
4.9%
121,102
3.7%
121,667
1.1%
152,204
15.1%
148,997
7.9%
86,283
3.8%
216,111
3.9%
261,982
15.2%
489,973
4.8%
1,062,310
6.3%
93,251
1.0%
1,003,421
11.5%
49,498
16.1%
3,577,944
8.6%
115,423
15.4%
390,413
9.7%
412,865
5.3%
602,622
7.0%
136,979
4.0%
1,576,922
3.3%
369,303
5.9%
149,550
2.5% 154,833,252
9.6%
857,324
-0.4%
100,007
6.4%
402,260
0.2%
51,457
7.0%
324,780
2.3%
134,847
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
1.2%
0.0%
0.0%
0.0%
0.5%
0.0%
0.0%
3.7%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.1%
12.7%
0.0%
0.3%
4.2%
1.0%
2.6%
1.8%
2.0%
0.0%
0.9%
0.0%
10.8%
0.0%
0.0%
3.8%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.93
1.41
2.01
0.30
1.30
0.93
1.39
4.53
2.10
0.77
0.43
0.83
1.03
1.38
1.14
0.78
1.20
0.45
0.91
1.33
2.08
1.66
0.62
0.81
0.76
0.81
0.60
1.06
1.19
1.45
1.04
1.14
0.76
0.98
1.09
0.76
1.02
0.58
0.47
1.56
0.80
NIM LTM Net
(FTE) Income
(%)
($000)
4.53
757
4.95
2,179
5.94
2,706
3.92
152
3.85
4,857
4.78
1,444
4.24
3,201
3.90
6,253
4.28
2,630
4.19
979
3.74
633
3.87
727
3.74
4,562
3.86
1,936
3.66
1,518
3.35
1,295
3.00
1,881
4.36
409
4.03
2,104
3.68
3,789
4.93
10,774
3.77
18,811
4.77
651
3.58
9,366
5.24
387
4.15
32,088
5.04
755
4.37
4,749
3.07
5,149
4.28
9,469
4.56
1,535
3.34
20,722
3.41
3,050
4.20
1,666
2.99 2,014,359
4.13
6,487
4.58
1,125
3.29
2,712
3.62
262
4.88
5,373
3.09
1,190
Georgia Banks, Texas Ratio <75%
Bank
City
Brand Banking Company
Alma Exchange Bank & Trust
Claxton Bank
Trust Bank
Bank of Soperton
Bank of Edison
Piedmont Bank
Planters First Bank
Citizens Bank of Americus
Ameris Bank
Citizens Bank of Forsyth County
United Community Bank
Vinings Bank
PeoplesSouth Bank
First State Bank of Randolph County
Oconee State Bank
Planters and Citizens Bank
AB&T National Bank
Georgia Banking Company
River City Bank
Peach State Bank & Trust
Geo. D. Warthen Bank
First State Bank
Bank of Newington
Bank of Wrightsville
Southwest Georgia Bank
SouthCrest Bank NA
Flint Community Bank
First Bank
Private Bank of Buckhead
Fidelity Bank
Peoples Bank
S Bank
Farmers & Merchants Bank
Thomasville National Bank
Heritage Bank
Barwick Banking Company
Talbot State Bank
First Century Bank, National Association
Bank of Monticello
Citizens Bank & Trust Company
Lawrenceville
Alma
Claxton
Lenox
Soperton
Edison
Norcross
Hawkinsville
Americus
Moultrie
Cumming
Blairsville
Smyrna
Colquitt
Cuthbert
Watkinsville
Camilla
Albany
Atlanta
Rome
Gainesville
Sandersville
Wrens
Newington
Wrightsville
Moultrie
Tyrone
Albany
Dalton
Atlanta
Atlanta
Lyons
Glennville
Statesboro
Thomasville
Jonesboro
Barwick
Woodland
Gainesville
Monticello
Eastman
Top
Level
Ticker
ABCB
UCBI
ALBY
SGB
SCSG
LION
FMBE
THVB
CCFH
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
38.9
34.6
29.0
43.6
14.1
8.0
13.1
44.3
7.5
19.7
20.8
10.0
12.3
22.9
9.4
2.9
9.5
5.5
22.5
20.3
13.4
31.3
16.1
60.2
22.1
2.6
14.0
23.5
17.3
18.1
19.2
2.8
10.8
37.2
5.5
26.8
0.0
66.0
11.7
28.7
50.8
9.63
9.53
9.45
9.43
9.41
9.41
9.39
9.35
9.34
9.33
9.32
9.28
9.24
9.19
9.12
9.05
9.00
8.87
8.86
8.80
8.75
8.70
8.62
8.61
8.59
8.53
8.46
8.46
8.44
8.31
8.30
8.30
8.26
8.23
8.23
8.22
8.13
7.80
7.80
7.47
6.95
Page 20
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
145
242
523
1,354
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
9.79
9.69
8.84
9.20
9.22
9.77
11.23
9.29
9.18
9.90
9.21
9.94
10.09
9.15
9.34
9.44
9.09
12.49
7.98
8.74
9.45
8.75
8.84
7.01
8.35
8.53
9.17
8.12
8.06
7.96
7.63
8.40
9.50
10.65
8.42
7.97
8.79
7.34
8.21
7.52
6.39
2,264,343
87,223
120,939
38,358
46,508
42,859
486,054
280,389
270,328
6,114,791
279,525
9,747,998
272,595
715,333
77,185
304,932
119,762
143,228
371,561
151,435
171,082
172,919
106,412
91,704
54,799
408,013
552,250
196,575
245,452
300,626
4,096,366
71,815
108,813
178,974
722,477
405,017
11,942
72,334
118,790
100,923
129,777
15.6%
4.4%
2.7%
12.1%
17.4%
-3.6%
18.0%
2.9%
5.2%
47.1%
14.1%
27.8%
-2.6%
45.4%
4.9%
5.0%
-0.8%
5.0%
13.8%
-5.6%
14.8%
1.9%
11.5%
12.1%
0.3%
2.2%
-1.8%
9.9%
17.9%
14.1%
27.9%
0.9%
11.7%
5.5%
12.4%
5.0%
-6.1%
0.8%
8.3%
5.7%
0.8%
1,888,480
78,482
110,063
34,185
42,055
37,809
415,699
251,856
238,396
5,233,262
251,279
8,033,607
234,389
626,222
69,643
275,556
108,652
112,966
292,583
133,303
151,232
151,126
96,435
82,462
49,588
332,997
498,983
174,411
220,246
241,329
3,428,606
65,609
94,992
159,464
637,479
359,965
10,888
66,888
108,200
92,710
119,465
LTM
Brokered ROAA
(%)
(%)
5.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.1%
0.0%
6.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
26.9%
0.0%
0.0%
0.0%
2.1%
2.5%
0.0%
0.0%
0.0%
6.1%
0.0%
3.5%
4.2%
0.0%
2.1%
0.0%
3.5%
0.0%
0.0%
49.7%
0.0%
0.0%
0.0%
0.68
0.53
0.94
1.05
1.35
0.54
0.92
1.76
1.07
0.90
0.94
0.99
1.14
1.08
0.64
0.70
0.22
0.36
0.73
-0.42
0.99
0.67
1.28
1.93
0.47
0.91
0.40
0.78
1.31
1.78
0.93
0.72
0.53
0.37
1.45
0.67
-0.54
-0.18
1.65
1.06
0.34
NIM LTM Net
(FTE) Income
(%)
($000)
3.84
4.11
4.43
6.31
5.70
3.55
4.19
4.62
3.58
4.35
3.64
3.44
3.70
3.85
3.28
3.41
2.44
3.95
3.52
3.62
3.50
4.47
5.72
5.12
3.50
4.11
3.66
3.87
4.12
5.08
3.28
4.44
5.27
3.65
3.57
3.92
1.52
3.42
2.80
3.84
4.02
14,460
467
1,084
368
564
233
4,090
4,785
2,709
47,596
2,406
87,936
3,004
6,475
477
2,056
262
488
2,372
-647
1,546
1,162
1,271
1,651
253
3,656
2,195
1,431
2,874
4,873
33,196
517
532
632
10,154
2,622
-68
-129
1,802
1,036
430
Georgia Banks, Texas Ratio <75%
Bank
City
Affinity Bank
First National Bank of Griffin
Atlanta
Griffin
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
45.2
18.4
5.36
5.01
Page 21
6,888
7,487
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
6.62
4.94
275,131
254,320
5.9%
4.2%
224,791
229,079
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
2.04
0.40
NIM LTM Net
(FTE) Income
(%)
($000)
2.89
3.15
5,331
974
Georgia Banks, Texas Ratio >75%
Bank
City
Foothills Community Bank
Gwinnett Community Bank
Woodbury Banking Company
Farmers & Merchants Bank
CornerstoneBank
Community Bank & Trust - West Georgia
Northside Bank
First Southern Bank
F & M Bank and Trust Company
Heritage Bank
Legacy State Bank
First Chatham Bank
Persons Banking Company
Citizens State Bank
Peoples Bank
Providence Bank
First Covenant Bank
Bank of Eastman
Georgia Heritage Bank
Peoples Bank & Trust
Community Bank of Pickens County
Carver State Bank
WestSide Bank
Signature Bank of Georgia
Dawsonville
Duluth
Woodbury
Lakeland
Atlanta
LaGrange
Adairsville
Patterson
Manchester
Hinesville
Loganville
Savannah
Forsyth
Kingsland
Eatonton
Alpharetta
Commerce
Eastman
Dallas
Buford
Jasper
Savannah
Hiram
Sandy Springs
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
334.3
466.5
291.6
322.9
117.3
199.0
206.8
133.0
236.2
178.2
247.3
143.4
99.8
113.2
106.7
211.3
91.3
166.3
105.9
111.7
93.4
99.1
229.4
105.6
2.11
2.77
2.87
3.09
3.56
4.55
4.62
5.11
5.17
5.27
6.01
6.23
6.24
6.62
6.73
7.22
7.47
7.74
8.03
8.60
9.15
9.28
9.30
11.44
4,139
17,602
1,170
26,538
10,679
2,895
4,273
2,988
2,274
14,342
1,434
6,433
5,728
788
1,648
839
1,045
458
0
0
0
0
0
0
Page 22
TCE/
TA
(%)
2.09
2.80
2.99
3.00
3.47
4.62
4.45
4.94
5.13
4.94
4.78
6.17
6.26
7.30
6.88
10.39
7.85
7.84
7.42
9.64
9.08
9.44
9.02
11.64
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
69,663
334,981
22,449
543,172
240,716
84,174
123,754
107,512
81,171
535,504
72,333
367,047
327,044
55,271
127,164
110,251
191,635
176,872
73,699
268,030
331,994
40,368
122,159
94,106
-9.3%
-6.4%
-4.2%
-1.3%
-0.5%
-7.8%
-7.5%
10.8%
-2.5%
-0.7%
3.9%
-1.7%
-2.1%
-5.8%
-6.9%
-3.8%
7.7%
-6.8%
1.7%
-2.8%
-2.0%
-3.1%
6.8%
10.7%
Total
Deposits
($000)
68,108
309,585
21,709
519,116
202,108
79,987
115,199
98,661
72,994
507,001
63,156
329,348
301,644
51,067
112,472
89,486
176,027
158,432
64,539
241,828
297,098
33,957
110,673
76,335
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.9%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
19.0%
0.0%
0.0%
-0.23
-0.01
-2.79
-0.10
0.21
-0.35
-4.72
0.25
0.34
-0.06
-0.39
0.50
-0.70
-0.74
-1.03
0.05
0.82
0.74
1.31
1.90
0.24
-0.04
0.16
-0.32
NIM LTM Net
(FTE) Income
(%)
($000)
4.67
2.54
3.88
3.88
2.93
4.32
3.48
4.73
4.56
3.13
3.42
3.47
4.05
4.51
3.21
3.61
4.03
4.19
4.75
3.48
3.99
4.79
4.00
4.17
-166
-19
-661
-528
519
-310
-6,187
248
278
-321
-277
1,837
-2,289
-427
-1,378
51
1,489
1,363
959
5,191
773
-16
184
-291
Kentucky Banks, Texas Ratio <75%
Bank
City
Citizens Federal Savings and Loan Association
First Federal Savings and Loan Association
Blue Grass Federal Savings and Loan Association
Jackson County Bank
First Federal Savings and Loan Association (MHC)
Kentucky Farmers Bank Corporation
Farmers Bank
Security Bank and Trust Company
Dixon Bank
Hart County Bank and Trust Company
Citizens Bank
Farmers Deposit Bank
First & Peoples Bank and Trust Company
Clinton Bank
Metro Bank
Bank of Maysville
Leitchfield Deposit Bank & Trust Company
Bankers' Bank of Kentucky, Inc.
Louisa Community Bank
Town Square Bank
Farmers Bank and Trust Company Princeton, Kentucky
Citizens Bank & Trust Company
Commercial Bank of Grayson
Citizens Deposit Bank of Arlington, Inc.
Farmers Bank and Trust Company
Farmers Bank of Milton
Home Savings Bank, FSB
Fredonia Valley Bank
Commonwealth Community Bank, Inc.
Edmonton State Bank
Springfield State Bank
Farmers National Bank of Scottsville
Carrollton Federal Bank
First Federal Savings Bank of Kentucky (MHC)
Elkton Bank & Trust Company
Bank of the Bluegrass & Trust Co.
First National Bank of Jackson
Salyersville National Bank
Citizens Bank
Victory Community Bank
American Founders Bank, Inc.
Covington
Morehead
Paris
McKee
Hazard
Ashland
Hardinsburg
Maysville
Dixon
Munfordville
Hartford
Cynthiana
Russell
Clinton
Louisville
Maysville
Leitchfield
Frankfort
Louisa
Ashland
Princeton
Campbellsville
Grayson
Arlington
Marion
Milton
Ludlow
Fredonia
Hartford
Edmonton
Springfield
Scottsville
Carrollton
Frankfort
Elkton
Lexington
Jackson
Salyersville
Hickman
Fort Mitchell
Louisville
Top
Level
Ticker
KFFB
PBSK
KFFB
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
0.0
14.5
18.3
2.4
17.7
6.3
8.1
0.4
3.7
0.0
7.4
16.0
5.1
8.4
10.0
3.3
11.1
0.0
19.5
8.2
0.9
3.4
1.2
2.2
4.0
15.6
12.4
14.9
1.1
2.2
1.2
5.0
3.7
15.7
1.0
13.8
7.9
3.5
14.3
13.2
65.1
28.12
28.12
25.79
25.71
24.33
22.28
21.27
20.55
20.29
19.35
19.35
18.96
18.32
18.11
17.55
16.69
16.47
16.13
15.53
15.51
15.35
14.86
14.81
14.75
14.61
14.39
14.35
14.35
14.26
14.22
14.12
14.07
14.05
13.89
13.79
13.68
13.67
13.64
13.59
13.58
13.51
Page 23
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
28.09
28.30
26.08
25.59
24.46
23.09
21.20
20.17
20.68
19.49
18.40
19.60
17.24
18.60
17.30
16.60
16.28
15.17
15.57
15.31
15.28
15.63
14.62
15.38
14.81
14.62
14.74
14.87
14.51
14.05
13.32
14.74
14.28
14.07
13.62
13.68
13.95
13.25
13.95
13.01
12.53
35,410
33,000
37,282
132,394
73,428
180,862
112,014
52,149
89,709
27,847
30,716
130,710
203,678
60,258
31,479
125,111
124,043
85,088
33,097
435,528
124,762
209,672
178,468
189,005
141,264
228,203
26,856
75,579
149,049
466,647
300,578
247,466
33,436
228,427
136,486
226,505
111,190
122,784
112,724
167,018
99,834
1.3%
-1.3%
-7.1%
2.8%
-2.8%
3.0%
3.1%
1.7%
-0.4%
-0.5%
-5.1%
-5.4%
0.8%
-2.6%
-4.5%
5.2%
-3.2%
19.6%
5.4%
4.6%
1.1%
-8.5%
4.8%
9.0%
3.8%
0.7%
0.3%
-0.5%
-0.7%
1.2%
3.3%
-1.1%
-6.2%
-0.2%
4.4%
1.3%
-0.1%
-7.4%
2.9%
0.2%
-65.9%
22,274
23,343
27,371
93,764
52,692
138,906
87,964
41,602
70,737
22,316
24,592
104,557
167,975
42,203
25,803
100,877
91,335
71,424
27,627
345,547
102,585
174,796
151,236
138,968
106,354
194,481
21,345
60,549
120,315
382,707
221,586
201,846
27,585
149,278
109,823
187,784
95,031
98,848
90,371
122,282
80,494
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
2.4%
17.9%
0.0%
0.0%
0.0%
6.3%
0.0%
0.0%
0.0%
0.0%
16.7%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
2.2%
0.0%
0.0%
5.8%
0.0%
2.5%
0.66
0.07
-2.99
1.16
0.28
2.56
1.96
1.34
0.83
0.67
0.46
0.93
0.19
0.79
0.28
0.86
1.72
0.50
-0.01
0.72
1.63
0.91
0.66
1.87
1.80
0.90
-0.78
1.24
1.02
1.61
1.08
1.03
0.38
0.74
1.04
1.22
0.06
0.79
1.25
2.25
2.65
NIM LTM Net
(FTE) Income
(%)
($000)
3.19
3.53
3.84
3.91
3.14
5.55
4.54
3.49
2.97
4.23
4.32
3.42
3.31
3.55
2.43
3.63
4.24
3.18
4.57
4.34
4.19
3.37
3.83
3.86
5.16
3.59
3.15
4.73
3.63
3.99
3.48
3.88
4.01
3.94
4.10
3.98
2.75
3.57
4.36
3.04
3.64
227
24
-1,176
1,528
209
4,443
2,138
683
740
187
142
1,241
378
474
90
1,037
2,105
367
-2
3,111
1,961
1,968
1,138
3,452
2,536
2,018
-210
949
1,522
7,408
3,168
2,595
134
1,708
1,359
2,734
72
971
1,411
3,546
5,379
Kentucky Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
Bedford Loan & Deposit Bank
Cumberland Security Bank, Inc.
River City Bank, Inc.
Bank of Clarkson
United Bank & Trust Company
Peoples Bank & Trust Company
Taylor County Bank
Town & Country Bank and Trust Company
Sacramento Deposit Bank
United Cumberland Bank
Peoples Bank MT. Washington
United Community Bank of West Kentucky, Inc.
First National Bank of Russell Springs
First United Bank and Trust Company
First National Bank of Carrollton
Forcht Bank, National Association
First Farmers Bank and Trust Company
Pinnacle Bank, Inc.
Lincoln National Bank
Commercial Bank
Casey County Bank
Inez Deposit Bank
United Citizens Bank of Southern Kentucky, Inc.
Paducah Bank and Trust Company
Community Trust Bank, Inc.
Eclipse Bank, Inc.
Winchester Federal Bank
First State Bank
Citizens Bank of Cumberland County
South Central Bank, Inc.
PBK Bank, Inc.
United Citizens Bank & Trust Company
Bank of Edmonson County
First National Bank of Manchester
Citizens Union Bank of Shelbyville
Peoples Bank of Kentucky, Inc.
Peoples Bank
Peoples Bank
Farmers Bank
Peoples Bank & Trust Company of Madison County
King Southern Bank
Bedford
Somerset
Louisville
Clarkson
Versailles
FFKT
Owenton
Campbellsville
Bardstown
Sacramento
Whitley City
Mount Washington
Morganfield
Russell Springs
Madisonville
Carrollton
Lexington
Owenton
Vanceburg
Hodgenville
West Liberty
Liberty
Inez
Columbia
Paducah
Pikeville
CTBI
Louisville
Winchester
Irvington
Burkesville
Glasgow
Stanford
Campbellsburg
Brownsville
Manchester
Shelbyville
Flemingsburg
Taylorsville
Marion
Nicholasville
Berea
Chaplin
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
15.0
2.8
4.5
2.5
31.9
8.3
8.7
5.6
3.1
29.3
35.4
2.1
14.3
1.9
8.4
5.6
16.0
2.8
2.9
2.8
19.5
7.8
23.7
7.4
24.1
19.0
7.8
2.1
16.5
9.2
23.8
6.3
18.3
8.7
24.9
13.2
23.0
29.8
5.6
37.0
4.4
13.50
13.14
13.03
12.95
12.93
12.89
12.67
12.37
12.31
12.31
12.29
12.24
12.23
12.19
12.15
12.15
12.11
12.09
12.06
12.00
12.00
11.99
11.94
11.87
11.86
11.86
11.84
11.78
11.78
11.76
11.69
11.68
11.64
11.61
11.59
11.53
11.33
11.18
11.12
11.11
11.09
Page 24
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
13.94
13.00
14.29
12.82
13.07
13.49
12.62
13.43
12.32
12.09
12.38
12.43
12.42
13.36
11.88
12.71
12.29
11.99
12.00
12.67
11.93
12.33
11.78
12.57
11.99
12.44
12.36
11.11
11.57
11.85
11.61
11.59
11.80
12.10
13.16
11.72
12.07
11.39
11.47
11.29
11.23
88,907
181,103
268,451
114,780
520,954
55,048
180,795
282,810
70,081
284,662
82,926
232,995
217,738
203,112
104,807
998,318
116,062
50,929
283,620
141,607
181,383
152,293
139,154
579,690
3,857,946
141,377
148,974
182,875
75,551
915,841
110,358
107,339
210,823
148,606
556,937
265,848
111,861
39,127
118,117
402,760
177,058
2.5%
8.5%
-6.0%
-3.3%
-1.4%
-4.5%
0.7%
8.1%
-2.9%
0.6%
2.6%
4.7%
5.0%
2.7%
1.8%
3.8%
3.7%
1.5%
52.1%
-5.1%
9.1%
-3.6%
3.9%
4.5%
3.2%
-0.6%
-7.2%
7.2%
5.5%
3.7%
5.8%
0.3%
6.1%
2.4%
5.9%
3.6%
-0.2%
4.1%
5.4%
2.5%
-0.2%
73,525
153,739
215,886
97,336
381,720
45,466
146,122
243,605
59,402
231,627
72,369
187,775
188,842
150,919
88,448
810,111
93,523
38,375
233,534
105,967
154,524
133,071
122,283
423,497
3,047,249
119,009
96,233
159,221
64,308
781,912
94,555
82,339
179,248
130,189
434,209
225,507
95,150
33,347
103,970
306,839
132,528
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.1%
0.0%
1.6%
0.0%
0.0%
0.0%
0.0%
0.0%
6.5%
0.0%
0.0%
0.0%
0.0%
0.0%
11.4%
0.0%
21.2%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
3.4%
0.0%
0.0%
0.0%
0.0%
1.9%
0.0%
0.49
1.99
1.45
1.25
0.60
2.49
1.97
3.69
1.76
1.47
1.96
1.57
0.62
1.72
1.48
0.86
1.29
0.82
0.78
0.72
0.86
0.23
0.98
1.78
1.19
0.51
1.45
1.20
1.83
0.80
1.01
0.64
1.65
0.35
1.68
1.05
1.14
0.66
0.65
0.61
1.66
NIM LTM Net
(FTE) Income
(%)
($000)
4.07
4.42
3.87
3.78
3.42
4.89
4.52
3.26
4.54
4.32
4.48
4.35
3.93
4.51
3.93
4.21
4.40
4.92
4.13
3.79
4.28
2.85
4.39
4.30
3.83
3.76
3.10
3.80
4.84
3.66
4.39
3.33
4.06
3.06
3.96
4.21
3.70
4.83
4.13
3.73
4.65
426
3,482
4,046
1,441
3,083
1,397
3,484
9,864
1,234
4,122
1,583
3,535
1,296
3,498
1,505
8,528
1,487
417
2,208
1,030
1,474
358
1,313
9,935
45,115
712
2,238
2,027
1,306
7,085
1,083
689
3,359
501
8,978
2,784
1,266
253
771
2,407
2,938
Kentucky Banks, Texas Ratio <75%
Bank
City
Sebree Deposit Bank
Central Bank of Jefferson County
Franklin Bank & Trust Company
Bank of Jamestown
Farmers State Bank
Home Federal Bank Corporation
Owingsville Banking Company
Bank of Buffalo
Farmers National Bank of Danville
Whitaker Bank, Inc.
Republic Bank & Trust Company
Bank of Harlan
Citizens National Bank of Somerset
Citizens National Bank of Paintsville
Century Bank of Kentucky, Inc.
Citizens Bank of Northern Kentucky, Inc.
Kentucky Neighborhood Bank
Farmers Deposit Bank
Bank of the Mountains, Inc.
First Commonwealth Bank of Prestonsburg, Inc.
First & Farmers National Bank, Inc.
First National Bank and Trust
Central Bank & Trust Company
Heritage Bank USA, Inc.
First National Bank of Brooksville
Monticello Banking Company
Bank of Columbia
Magnolia Bank
Heritage Bank, Inc.
Hancock Bank and Trust Company
Traditional Bank, Inc.
Bank of Hindman
Cumberland Valley National Bank & Trust Company
First National Bank of Grayson
Bank of Lexington, Inc.
Lewisburg Banking Company
Stock Yards Bank & Trust Company
First Guaranty Bank
Citizens National Bank of Lebanon
Farmers National Bank of Lebanon
Citizens Bank
Sebree
Lexington
Franklin
Jamestown
Booneville
Middlesboro
Owingsville
Buffalo
Danville
Lexington
Louisville
Harlan
Somerset
Paintsville
Lawrenceburg
Newport
Elizabethtown
Liberty
West Liberty
Prestonsburg
Somerset
London
Lexington
Hopkinsville
Brooksville
Monticello
Columbia
Hodgenville
Erlanger
Hawesville
Mount Sterling
Hindman
London
Grayson
Lexington
Lewisburg
Louisville
Martin
Lebanon
Lebanon
Mount Vernon
Top
Level
Ticker
HFBA
BYLB
RBCAA
CZNL
FFKT
HFBC
SYBT
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
0.1
14.1
4.8
17.0
10.8
16.0
22.2
16.4
14.2
39.9
10.8
16.9
22.6
18.1
49.9
27.6
22.6
11.6
10.4
4.7
5.0
6.3
19.8
12.8
5.6
10.3
17.6
6.9
26.9
24.1
12.4
11.6
15.8
8.8
3.2
3.5
3.5
21.9
5.3
12.2
13.9
11.08
10.99
10.98
10.98
10.94
10.94
10.93
10.93
10.92
10.90
10.88
10.84
10.77
10.70
10.69
10.67
10.67
10.65
10.64
10.61
10.61
10.48
10.48
10.46
10.44
10.40
10.40
10.37
10.32
10.30
10.29
10.24
10.15
10.14
10.04
10.03
10.02
9.96
9.93
9.90
9.89
Page 25
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
11.76
11.72
10.80
10.53
11.52
10.82
8.53
10.99
11.18
11.19
11.44
10.76
10.27
10.84
10.65
10.86
11.03
10.51
10.58
11.12
10.23
11.65
10.09
10.88
10.71
10.50
10.49
11.22
10.39
10.40
10.63
9.72
10.52
9.95
9.79
10.15
10.09
10.12
10.20
10.09
10.05
22,638
173,585
429,377
176,987
50,904
341,263
62,923
75,538
461,682
1,370,880
4,240,488
139,750
388,140
629,133
116,285
244,443
134,145
47,085
68,482
300,142
505,699
212,993
2,054,600
882,588
64,984
568,063
128,802
178,635
601,291
275,826
1,260,832
197,290
436,144
242,368
256,195
114,437
2,821,867
51,103
123,901
103,443
146,048
-3.0%
-3.7%
9.0%
2.3%
-0.7%
0.9%
2.1%
0.1%
4.2%
-0.9%
7.4%
7.8%
6.9%
9.8%
2.2%
-4.5%
1.6%
3.0%
4.6%
-1.9%
1.2%
-0.1%
4.6%
-1.3%
-0.4%
4.6%
0.5%
3.8%
12.6%
1.5%
7.9%
10.9%
4.2%
10.2%
1.9%
0.7%
12.4%
-5.7%
4.8%
0.5%
1.4%
19,469
137,524
356,816
134,844
41,286
272,788
52,865
60,362
385,832
1,118,144
2,869,715
122,491
318,516
513,275
93,995
197,019
110,425
39,923
59,572
224,790
417,817
176,792
1,696,319
725,707
54,990
506,276
110,541
141,899
513,005
233,223
1,033,783
159,167
382,138
215,736
199,761
91,465
2,371,879
44,721
106,104
92,326
119,737
LTM
Brokered ROAA
(%)
(%)
0.0%
7.8%
0.1%
0.0%
0.0%
1.1%
0.0%
18.7%
0.0%
0.0%
10.2%
0.0%
0.0%
0.5%
0.0%
0.0%
2.4%
0.0%
0.0%
0.0%
0.0%
0.0%
0.3%
4.5%
0.0%
0.0%
0.0%
0.0%
2.6%
0.0%
21.4%
0.0%
0.0%
0.0%
3.5%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
-0.17
0.41
0.85
0.77
1.10
0.70
0.35
2.22
1.12
0.46
0.97
0.25
1.33
0.81
1.45
0.43
0.67
0.92
0.70
1.28
1.10
0.51
0.86
0.25
0.55
1.11
1.75
2.45
0.95
0.50
1.90
0.69
0.36
1.00
0.82
1.54
1.49
0.50
1.22
-0.64
0.89
NIM LTM Net
(FTE) Income
(%)
($000)
3.28
3.50
3.97
3.54
4.07
4.11
5.13
3.95
3.78
3.49
3.50
3.46
3.71
3.44
3.89
3.63
4.03
4.69
6.01
3.45
3.97
3.57
3.71
3.34
3.32
4.03
4.20
3.67
4.07
3.98
3.73
2.83
3.20
3.78
3.74
3.85
3.62
3.07
3.15
3.43
4.17
-39
740
3,506
1,334
557
2,380
214
1,657
4,979
6,225
39,674
335
4,946
4,658
1,671
1,053
898
427
477
3,850
5,428
1,082
17,262
2,170
362
6,119
2,248
4,279
5,394
1,357
23,029
1,273
1,539
2,359
1,980
1,716
39,257
262
1,472
-665
1,292
Kentucky Banks, Texas Ratio <75%
Bank
City
First Citizens Bank
Citizens First Bank, Inc.
West Point Bank
Cecilian Bank
Community Financial Services Bank
Peoples Bank
Field & Main Bank
Farmers Bank & Capital Trust Company
Commonwealth Bank and Trust Company
Citizens Deposit Bank & Trust
First Capital Bank of Kentucky
Meade County Bank
Peoples Exchange Bank
First Community Bank of the Heartland, Inc.
Hometown Bank of Corbin, Inc.
Bluegrass Community Bank
First Kentucky Bank, Inc.
Auburn Banking Company
Peoples Bank and Trust Company of Clinton County
Farmers & Traders Bank of Campton
Murray Bank
Bank of Caneyville
Morgantown Bank & Trust Company, Incorporated
Planters Bank, Inc.
1st Trust Bank, Inc.
Hyden Citizens Bank
American Bank & Trust Company, Inc.
Kentucky Bank
United Southern Bank
First State Financial, Inc.
FNB Bank, Inc.
Kentucky Federal Savings and Loan Association
Bank of Cadiz and Trust Company
Citizens Bank & Trust Co. of Jackson
First Southern National Bank
Citizens Bank
First Security Bank, Inc.
Peoples Bank & Trust Company of Hazard
Wilson & Muir Bank & Trust Company
First State Bank, Inc.
Citizens Guaranty Bank
Elizabethtown
Bowling Green
Radcliff
Cecilia
Benton
Lebanon
Henderson
Frankfort
Louisville
Vanceburg
Louisville
Brandenburg
Winchester
Clinton
Corbin
Danville
Mayfield
Auburn
Albany
Campton
Murray
Caneyville
Morgantown
Hopkinsville
Hazard
Hyden
Bowling Green
Paris
Hopkinsville
Middlesboro
Mayfield
Covington
Cadiz
Jackson
Lancaster
Morehead
Owensboro
Hazard
Bardstown
Central City
Irvine
Top
Level
Ticker
FFKT
CZFC
FFKT
PFBI
FCBE
KTYB
FIIT
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
26.7
6.7
6.6
16.5
6.5
0.0
12.1
18.2
12.5
7.3
9.1
1.7
11.2
5.6
14.5
10.8
5.3
12.3
29.4
16.0
4.3
3.5
1.9
7.7
31.2
12.3
11.2
11.7
18.7
42.0
5.1
17.9
6.2
22.4
17.6
15.4
7.0
58.1
6.5
11.7
19.4
9.80
9.76
9.62
9.54
9.52
9.49
9.49
9.48
9.44
9.39
9.35
9.34
9.33
9.27
9.23
9.22
9.20
9.15
8.99
8.94
8.93
8.89
8.87
8.86
8.86
8.76
8.76
8.75
8.68
8.67
8.65
8.53
8.36
8.34
8.31
8.25
8.23
8.22
8.08
8.03
8.03
Page 26
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
9.98
9.74
8.71
9.75
9.37
9.28
9.34
9.87
9.66
9.38
9.23
9.40
9.07
9.79
9.27
9.30
9.26
8.39
8.97
9.83
9.03
8.92
8.79
9.14
8.28
9.51
9.17
8.97
8.77
8.70
8.87
8.69
8.59
8.32
8.28
8.08
8.13
8.33
8.63
7.90
8.05
303,154
434,594
213,828
628,064
866,053
53,978
393,469
696,383
894,188
393,816
506,591
188,214
349,262
180,209
147,562
74,716
401,282
75,777
33,467
50,272
287,328
49,883
169,204
901,274
218,699
131,314
290,106
988,677
261,683
337,341
432,467
35,864
109,072
152,256
852,019
132,257
594,443
275,533
464,166
114,298
153,341
-1.7%
0.8%
34.9%
2.2%
17.6%
-1.3%
1.6%
-1.1%
6.0%
1.4%
-1.0%
-2.0%
2.5%
4.2%
4.9%
11.1%
4.8%
1.9%
2.3%
7.8%
6.5%
-0.8%
4.8%
2.1%
15.0%
5.3%
10.8%
15.6%
-3.0%
-0.1%
2.9%
0.3%
2.0%
1.1%
24.7%
3.5%
8.4%
-1.7%
5.8%
17.9%
7.1%
253,939
363,587
84,371
509,178
779,349
46,956
327,334
564,098
740,330
337,991
383,328
155,379
283,527
147,829
125,482
62,028
323,742
66,382
29,938
43,965
258,943
45,391
148,158
727,192
192,732
108,130
262,479
767,007
230,068
295,708
379,620
31,802
94,102
135,553
752,275
106,530
475,946
250,731
403,942
100,699
125,384
LTM
Brokered ROAA
(%)
(%)
0.0%
0.5%
0.0%
0.0%
12.9%
0.0%
0.0%
0.0%
8.2%
0.0%
14.3%
0.0%
1.4%
10.2%
0.0%
0.0%
3.3%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
10.2%
5.0%
0.0%
0.0%
0.8%
0.0%
0.7%
6.3%
0.0%
0.2%
8.2%
0.2%
0.0%
0.0%
0.0%
0.0%
1.9%
0.0%
1.90
0.95
0.91
1.03
1.02
0.63
1.01
0.81
0.84
1.01
0.63
1.08
0.71
1.05
0.53
0.03
1.16
1.83
0.47
0.68
0.85
0.70
0.64
1.63
0.53
1.00
0.96
0.77
-0.51
-0.76
0.98
-0.06
0.41
0.40
0.93
0.63
0.80
0.68
1.52
1.10
0.55
NIM LTM Net
(FTE) Income
(%)
($000)
3.59
3.96
3.22
3.55
4.07
3.65
4.54
3.17
3.26
3.61
3.32
3.31
4.06
4.16
4.03
3.61
3.77
4.37
4.94
3.85
3.18
2.78
4.02
3.78
3.59
4.17
3.81
3.70
3.99
4.14
3.95
2.90
3.38
4.03
4.48
3.96
3.75
3.84
3.69
4.67
4.15
5,877
4,094
1,584
6,297
8,079
328
3,954
5,619
7,259
3,944
3,167
2,044
2,386
1,909
754
25
4,498
1,334
155
330
2,329
350
1,057
14,526
1,065
1,282
2,673
7,137
-1,362
-2,586
4,206
-22
448
612
7,420
815
4,646
1,872
6,990
1,181
824
Kentucky Banks, Texas Ratio <75%
Bank
City
Independence Bank of Kentucky
PBI Bank, Inc.
Citizens Commerce National Bank
Owensboro
Louisville
Versailles
Top
Level
Ticker
PBIB
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
4.3
64.5
37.1
7.59
6.39
5.68
Page 27
7,469
15,023
5,099
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
7.31
6.03
5.71
1,889,943
937,444
217,740
19.8%
-7.0%
0.6%
1,437,401
866,377
175,239
LTM
Brokered ROAA
(%)
(%)
5.4%
0.0%
0.0%
1.81
-0.14
0.29
NIM LTM Net
(FTE) Income
(%)
($000)
4.20
3.42
3.15
31,134
-1,322
627
Kentucky Banks, Texas Ratio >75%
Bank
City
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
None
Page 28
TCE/
TA
(%)
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
Total
Deposits
($000)
LTM
Brokered ROAA
(%)
(%)
NIM LTM Net
(FTE) Income
(%)
($000)
Louisiana Banks, Texas Ratio <75%
Bank
City
Union Savings and Loan Association
Mutual Savings and Loan Association
Rayne Building and Loan Association
Abbeville Building & Loan (A State-Chartered Savings Bank)
St. Landry Homestead Federal Savings Bank
Bank of Gueydan
Evangeline Bank and Trust Company
M C Bank & Trust Company
Fifth District Savings Bank
Beauregard Federal Savings Bank
Hibernia Bank
Hodge Bank & Trust Company
First National Bank of Benton
First National Bankers Bank
Tri-State Bank and Trust
Fidelity Bank
MBL Bank
Bank of Abbeville & Trust Company
Lakeside Bank
Simmesport State Bank
Kaplan State Bank
Citizens Savings Bank
Citizens Bank, Ville Platte, Louisiana
Eureka Homestead
United Community Bank
Highlands Bank
Bank of Erath
South Louisiana Bank
Peoples Bank and Trust Company of Pointe Coupee Parish
Mississippi River Bank
First National Bank USA
First American Bank and Trust
First Federal Bank of Louisiana
Jonesboro State Bank
Gulf Coast Bank
Cross Keys Bank
Farmers-Merchants Bank & Trust Company
Commercial Capital Bank
Bank of Winnfield & Trust Company
Tensas State Bank
Sicily Island State Bank
Citizens Bank & Trust Company
New Orleans
Metairie
Rayne
Abbeville
Opelousas
Gueydan
Ville Platte
Morgan City
New Orleans
DeRidder
New Orleans
Hodge
Benton
Baton Rouge
Haughton
New Orleans
Minden
Abbeville
Lake Charles
Simmesport
Kaplan
Bogalusa
Ville Platte
Metairie
Raceland
Jackson
Erath
Houma
New Roads
Belle Chasse
Boutte
Vacherie
Lake Charles
Jonesboro
Abbeville
Saint Joseph
Breaux Bridge
Delhi
Winnfield
Newellton
Sicily Island
Plaquemine
Top
Level
Ticker
HIBE
MDNB
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
0.2
0.0
1.1
12.6
32.7
3.6
13.3
13.6
3.6
8.8
1.3
10.4
3.2
14.7
1.5
9.2
0.8
2.6
0.4
17.3
1.7
48.0
1.5
4.7
14.8
8.6
4.6
7.2
8.2
0.5
52.2
13.0
6.5
3.5
13.0
2.5
31.6
21.6
22.0
10.6
8.5
13.7
41.99
28.55
21.12
20.10
20.06
18.81
18.46
17.70
17.24
17.13
16.96
16.49
16.47
16.17
15.84
15.72
15.49
15.39
14.29
14.17
13.92
13.90
13.67
13.17
13.17
12.99
12.98
12.80
12.70
12.58
12.39
12.33
12.31
12.27
12.27
12.18
12.14
12.08
12.01
11.97
11.94
11.93
Page 29
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
42.09
28.20
22.60
21.26
19.92
18.73
17.96
18.18
17.20
17.41
16.92
16.59
17.53
17.79
15.75
16.04
15.54
15.67
14.24
14.58
15.35
13.78
13.70
13.44
12.88
13.15
13.19
12.85
12.73
11.75
12.14
12.72
12.17
13.87
12.05
13.00
12.58
11.66
10.67
12.82
12.05
10.91
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
74,998
44,331
63,502
67,179
227,915
82,171
572,268
344,123
400,197
60,518
117,732
67,012
55,296
836,424
32,135
793,950
320,374
182,944
155,869
73,338
93,418
210,170
252,331
89,028
546,994
140,669
100,407
468,109
213,238
126,041
134,885
863,399
813,943
208,750
388,629
324,735
295,511
85,501
143,534
146,458
51,061
259,361
-4.1%
15.5%
-2.8%
10.5%
-3.4%
-5.4%
-0.1%
-3.8%
3.8%
5.4%
8.6%
-0.6%
3.7%
9.2%
-9.4%
-2.2%
5.3%
-2.3%
13.3%
4.2%
-2.2%
0.9%
-1.8%
-8.2%
-3.8%
-1.8%
-5.3%
-2.2%
-1.6%
-14.5%
0.6%
4.1%
-3.6%
12.1%
-1.9%
1.2%
-2.5%
19.4%
-0.9%
0.1%
4.2%
6.2%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
43,358
26,758
48,643
51,335
171,319
66,596
452,544
279,177
324,166
49,713
96,041
54,961
43,076
422,476
27,054
600,112
260,996
152,837
133,167
62,430
75,511
175,357
216,620
47,504
452,132
121,860
86,824
402,539
170,204
110,990
106,955
747,996
625,806
172,744
340,237
246,996
252,404
75,397
126,013
114,272
37,811
221,654
0.0%
0.0%
0.0%
0.0%
2.0%
0.0%
0.0%
3.6%
0.0%
0.0%
2.1%
0.0%
0.0%
0.0%
0.0%
2.4%
0.0%
0.0%
0.0%
1.9%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.3%
10.6%
2.9%
8.0%
0.0%
0.0%
0.0%
0.0%
13.1%
0.0%
0.14
0.58
0.92
0.77
0.70
0.17
0.75
1.00
0.55
2.22
0.20
2.56
0.72
1.26
3.15
0.54
1.45
0.58
0.44
1.36
1.60
0.67
0.89
0.06
0.41
0.98
0.69
1.22
1.67
1.41
0.52
1.34
0.23
1.72
0.47
1.38
1.17
2.36
0.95
1.34
1.47
0.75
NIM LTM Net
(FTE) Income
(%)
($000)
2.47
4.07
3.26
3.07
3.65
2.40
3.59
3.58
3.23
4.97
3.34
4.81
3.39
2.78
5.46
4.22
3.54
3.10
3.56
5.20
3.79
4.94
3.06
2.22
4.28
3.91
4.29
3.92
4.49
4.72
4.06
4.10
2.83
3.95
4.23
4.07
4.38
5.04
3.34
3.84
5.70
4.10
108
235
597
509
1,602
144
4,219
3,533
2,157
1,326
230
1,722
402
10,530
1,029
4,327
4,428
1,062
648
991
1,496
1,392
2,255
58
2,295
1,377
693
5,793
3,685
1,853
687
11,340
1,846
3,259
1,810
4,421
3,500
1,846
1,351
1,964
739
1,828
Louisiana Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
Southern Heritage Bank
Citizens Bank & Trust Company of Vivian, Louisiana
Crescent Bank & Trust
Home Federal Bank
Mer Rouge State Bank
Bank of Commerce
Concordia Bank & Trust Company
Jackson Parish Bank
Tri-Parish Bank
Feliciana Bank & Trust Company
Bank of Commerce & Trust Company
Plaquemine Bank and Trust Company
Citizens National Bank, N.A.
BOM
Winnsboro State Bank & Trust Company
Resource Bank
Cottonport Bank
Peoples Bank
City Savings Bank & Trust Company
Exchange Bank and Trust Company, Natchitoches, Louisiana
St. Landry Bank and Trust Company
Citizens Bank & Trust Company
Florida Parishes Bank
Progressive Bank
First National Bank in DeRidder
Basile State Bank
Homeland Federal Savings Bank
Bank of St. Francisville
Washington State Bank
American Bank & Trust Company
Rayne State Bank & Trust Company
Investar Bank
Metairie Bank & Trust Company
Synergy Bank
Guaranty Bank and Trust Company
First National Bank of Louisiana
Richland State Bank
Landmark Bank
Bank of Oak Ridge
Bank, The
Patterson State Bank
Ouachita Independent Bank
Jonesville
Vivian
New Orleans
Shreveport
HFBL
Mer Rouge
White Castle
Vidalia
Jonesboro
Eunice
Clinton
FLOL
Crowley
Plaquemine
Bossier City
CNBL
Montgomery
Winnsboro
Covington
Marksville
Chatham
DeRidder
Natchitoches
Opelousas
Covington
Hammond
FPBF
Monroe
DeRidder
Basile
Columbia
Saint Francisville
Washington
Opelousas
ABNC
Rayne
Baton Rouge
ISTR
Metairie
MBKL
Houma
New Roads
Crowley
Rayville
Clinton
Oak Ridge
Jennings
Patterson
Monroe
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
5.7
24.7
18.2
0.2
12.9
3.2
6.1
7.8
6.7
8.4
1.7
17.7
6.4
9.9
12.7
16.4
13.2
6.0
3.7
5.4
19.9
29.0
14.0
1.5
4.0
21.2
15.6
16.4
0.1
0.5
1.1
3.0
1.4
27.3
3.9
0.5
7.3
30.1
0.2
6.4
8.5
5.8
11.82
11.78
11.66
11.64
11.64
11.62
11.58
11.50
11.49
11.47
11.46
11.31
11.19
11.07
11.05
11.03
11.01
11.01
10.98
10.94
10.91
10.90
10.89
10.84
10.76
10.67
10.66
10.60
10.59
10.53
10.52
10.52
10.43
10.38
10.30
10.29
10.28
10.27
10.25
10.24
10.07
9.98
Page 30
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
12.32
12.52
11.61
11.61
11.89
12.32
11.79
12.93
11.76
11.36
11.36
11.31
11.24
11.35
10.45
10.74
11.18
10.73
10.90
12.05
10.88
8.61
10.89
10.69
10.39
10.59
10.20
10.82
10.89
10.94
10.95
10.19
10.08
10.24
10.31
10.39
10.38
10.66
10.78
10.12
10.48
10.43
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
282,863
139,902
1,055,897
362,913
43,742
61,547
518,495
70,690
207,245
111,991
336,129
142,119
859,979
284,888
137,398
587,162
342,560
53,875
319,413
129,991
291,616
115,561
243,426
534,438
241,879
56,105
189,479
110,167
169,265
181,510
367,511
1,072,101
372,551
505,804
202,519
356,019
294,415
110,679
50,654
223,716
221,970
672,529
1.4%
-4.3%
3.9%
1.3%
-3.0%
3.2%
-3.2%
1.3%
-3.5%
-0.9%
-2.8%
4.9%
4.2%
29.7%
-0.5%
4.2%
4.0%
15.4%
2.3%
0.7%
-1.8%
1.0%
6.2%
7.2%
-0.2%
-3.7%
15.3%
-2.2%
-5.0%
1.9%
-2.7%
24.0%
5.8%
2.0%
-1.2%
1.1%
2.1%
1.7%
-11.4%
7.5%
-2.5%
2.9%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
245,690
120,349
919,358
292,075
38,380
53,887
435,563
61,179
177,430
97,947
284,694
125,299
733,394
249,884
121,209
486,780
299,370
47,890
283,402
114,068
259,229
101,835
206,417
447,329
212,345
50,034
149,027
96,926
144,192
157,249
323,187
810,026
332,818
452,647
180,499
311,049
256,588
98,780
44,983
191,008
197,045
577,552
0.0%
0.0%
12.5%
3.4%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.3%
0.0%
1.1%
0.0%
13.3%
0.0%
0.0%
0.0%
0.0%
0.7%
4.2%
0.0%
0.0%
0.4%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.1%
1.62
1.11
1.64
0.96
0.48
0.54
1.17
0.51
1.43
1.27
0.60
0.47
1.13
1.78
0.72
1.15
0.44
0.43
2.04
1.55
0.52
0.74
1.31
0.80
0.73
1.91
2.08
1.10
1.00
1.04
1.61
0.79
0.62
1.20
1.09
1.67
1.31
0.69
0.27
1.17
0.91
1.73
NIM LTM Net
(FTE) Income
(%)
($000)
4.38
4.87
12.44
3.68
3.35
3.68
3.18
3.00
3.46
4.31
2.43
3.51
4.39
4.80
4.37
4.59
4.13
4.77
4.76
3.46
1.76
4.06
5.13
4.23
3.88
5.48
5.79
5.02
3.92
3.94
4.24
3.57
3.59
3.94
4.25
4.11
4.40
4.00
1.95
5.30
4.23
3.96
4,558
1,578
16,929
3,470
210
329
6,117
357
2,954
1,415
2,055
631
9,398
4,295
978
6,602
1,456
215
6,391
1,995
1,515
860
3,099
4,161
1,741
1,077
3,539
1,230
1,636
1,809
5,974
7,546
2,228
5,919
2,157
5,862
3,915
751
145
2,467
2,073
11,600
Louisiana Banks, Texas Ratio <75%
Bank
City
Catahoula-LaSalle Bank
City Bank & Trust Co.
Coastal Commerce Bank
Teche Bank & Trust Company
Marion State Bank
Bank of Ruston
Sabine State Bank and Trust Company
First NBC Bank
Red River Bank
Commerce Community Bank
Union Bank
American Bank & Trust Company, Inc.
Business First Bank
First National Bank of Jeanerette
Merchants & Farmers Bank & Trust Company
Community First Bank
Heritage Bank of St. Tammany
Caldwell Bank & Trust Company
Gibsland Bank & Trust Company
Farmers State Bank & Trust Company
Anthem Bank & Trust
Bank of Zachary
First Guaranty Bank
First Bank and Trust
MidSouth Bank, National Association
Bank of Sunset and Trust Company
Origin Bank
Bank of Coushatta
Vermilion Bank & Trust Company
Colfax Banking Company
Iberville Bank
IBERIABANK
Guaranty Bank & Trust Company of Delhi
St. Martin Bank and Trust Company
Home Bank, National Association
Citizens Progressive Bank
Progressive National Bank
JD Bank
Gulf Coast Bank and Trust Company
Franklin State Bank & Trust Company
Liberty Bank and Trust Company
Community Bank of Louisiana
Jonesville
Natchitoches
Houma
Saint Martinville
Marion
Ruston
Many
New Orleans
Alexandria
Oak Grove
Marksville
Covington
Baton Rouge
Jeanerette
Leesville
New Iberia
Covington
Columbia
Gibsland
Church Point
Plaquemine
Zachary
Hammond
New Orleans
Lafayette
Sunset
Ruston
Coushatta
Kaplan
Colfax
Plaquemine
Lafayette
Delhi
Saint Martinville
Lafayette
Winnsboro
Mansfield
Jennings
New Orleans
Winnsboro
New Orleans
Mansfield
Top
Level
Ticker
CTUY
FNBC
FGBI
MSL
IBKC
HBCP
JDVB
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
27.4
1.5
10.7
4.3
2.7
4.6
12.3
7.7
3.4
1.3
19.9
18.8
10.1
7.1
6.4
3.6
20.0
32.6
24.2
5.4
33.6
6.1
17.9
13.4
29.8
9.0
17.9
10.7
11.4
0.9
15.3
13.6
4.0
11.2
8.9
43.4
1.7
9.3
23.3
3.0
18.9
4.6
9.94
9.92
9.92
9.91
9.91
9.90
9.89
9.89
9.83
9.80
9.76
9.75
9.75
9.74
9.65
9.64
9.63
9.63
9.61
9.59
9.54
9.49
9.48
9.39
9.38
9.37
9.35
9.26
9.24
9.23
9.19
9.17
9.11
9.09
8.97
8.94
8.84
8.74
8.61
8.48
8.25
8.24
Page 31
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
10.17
10.30
9.98
11.09
9.15
9.65
9.73
11.03
9.62
9.91
9.70
9.94
9.30
10.08
9.64
10.10
9.67
9.35
9.53
9.72
9.32
9.33
9.66
5.81
9.39
9.57
9.71
10.37
10.22
9.84
9.21
9.02
8.94
8.83
8.99
8.39
8.62
8.75
7.90
8.64
6.49
8.72
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
186,389
231,582
430,579
109,986
185,846
220,579
838,455
4,953,702
1,562,660
58,243
249,155
112,496
1,155,424
232,734
375,226
323,009
97,425
182,760
371,582
107,531
148,814
225,967
1,465,879
798,487
1,916,178
132,911
3,842,972
205,362
109,639
102,542
266,428
20,014,851
203,973
558,788
1,543,034
144,967
42,625
823,594
1,373,361
157,678
613,660
420,357
-5.7%
-2.7%
-0.2%
-1.5%
8.0%
29.2%
4.9%
21.9%
6.3%
10.2%
4.0%
-3.3%
57.2%
0.5%
23.7%
-4.2%
8.4%
11.1%
9.9%
4.8%
8.3%
8.7%
-5.1%
6.7%
-3.8%
7.3%
2.3%
-4.6%
-4.8%
7.8%
5.6%
22.5%
8.3%
4.8%
25.1%
30.2%
1.2%
6.5%
9.1%
-3.9%
-1.6%
-0.4%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
166,616
205,600
384,996
96,669
164,726
174,789
720,360
3,957,089
1,400,376
52,178
192,515
101,080
978,732
208,353
280,724
289,605
74,564
155,689
330,443
96,844
101,367
203,898
1,316,373
691,755
1,573,646
118,583
3,299,503
183,767
96,824
92,221
239,503
16,398,801
161,451
479,530
1,269,518
125,220
38,780
704,894
1,212,577
131,643
542,938
383,293
0.0%
0.0%
0.0%
0.0%
0.0%
17.2%
0.2%
5.5%
0.0%
0.0%
0.4%
0.0%
10.0%
0.0%
0.0%
0.0%
0.1%
3.2%
0.0%
0.0%
0.0%
0.0%
1.6%
0.0%
0.0%
3.1%
9.0%
0.0%
0.0%
0.0%
0.0%
9.1%
0.0%
2.6%
4.2%
7.2%
0.0%
0.0%
9.7%
0.0%
3.5%
0.0%
0.91
1.08
2.12
1.27
0.75
0.92
1.68
1.54
0.99
0.96
1.67
0.13
0.49
1.59
0.58
1.72
0.31
1.48
1.06
1.37
0.43
0.82
0.92
1.26
0.63
0.90
0.51
1.14
1.48
1.10
0.33
0.87
2.45
2.46
0.93
1.36
0.53
0.71
1.89
-1.04
0.30
1.09
NIM LTM Net
(FTE) Income
(%)
($000)
3.49
2.90
4.70
4.45
4.27
4.38
4.31
3.15
3.37
3.73
4.29
3.62
3.73
4.71
3.83
4.39
3.27
5.38
4.83
4.87
3.26
3.97
3.34
4.22
4.38
3.85
3.37
3.22
4.21
4.06
3.82
3.63
5.11
5.33
4.48
4.73
3.49
4.58
5.75
4.39
4.13
3.25
1,717
2,489
8,967
1,406
1,279
1,724
13,629
68,863
14,624
528
4,074
147
5,341
3,631
2,101
5,648
288
2,528
3,848
1,434
590
1,691
13,459
9,818
12,234
1,134
19,655
2,300
1,708
1,085
837
166,286
4,790
13,213
13,140
1,683
222
5,645
25,353
-1,677
1,812
4,667
Louisiana Banks, Texas Ratio <75%
Bank
City
First National Bank
Delta Bank
Arcadia
Vidalia
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
10.1
4.3
8.13
8.03
Page 32
0
0
TCE/
TA
(%)
8.19
8.30
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
231,751
260,743
5.8%
-0.6%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
198,887
237,307
12.6%
0.6%
1.69
1.62
NIM LTM Net
(FTE) Income
(%)
($000)
5.20
4.54
3,768
4,132
Louisiana Banks, Texas Ratio >75%
Top
Level
Ticker
Bank
City
State Bank & Trust Company
South Lafourche Bank & Trust Company
Bank of Louisiana
Golden Meadow
Larose
New Orleans
BOLB
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
82.1
76.0
92.6
10.09
10.63
11.00
Page 33
0
0
0
TCE/
TA
(%)
10.41
10.56
11.97
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
128,668
165,323
79,261
-6.7%
-0.8%
0.8%
Total
Deposits
($000)
114,919
146,114
69,307
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.17
0.58
-1.47
NIM LTM Net
(FTE) Income
(%)
($000)
3.98
3.77
6.96
237
950
-1,160
Maryland Banks, Texas Ratio <75%
Bank
City
Homewood Federal Savings Bank
Rosedale Federal Savings and Loan Association
Saint Casimir's Savings Bank
Madison Bank of Maryland
Calvin B. Taylor Banking Company of Berlin, Maryland
Kopernik Bank
Severn Savings Bank, FSB
Fraternity Federal Savings and Loan Association
Midstate Community Bank
Hopkins Federal Savings Bank
Bay Bank, FSB
First Shore Federal Savings and Loan Association
Jarrettsville Federal Savings and Loan Association
Arundel Federal Savings Bank
North Arundel Savings Bank
Bay-Vanguard FSB (MHC)
Queenstown Bank of Maryland
Hamilton Bank
Chesapeake Bank of Maryland
Community Bank of the Chesapeake
Farmers Bank of Willards
1880 Bank
County First Bank
EagleBank
First United Bank & Trust
Farmers and Merchants Bank
Harford Bank
CFG Community Bank
Carroll Community Bank
Frederick County Bank
Talbot Bank of Easton, Maryland
Maryland Financial Bank
Peoples Bank
Middletown Valley Bank
CNB
Revere Bank
Colombo Bank
Bank of Ocean City
Congressional Bank
Presidential Bank, FSB
Columbia Bank
Baltimore
Baltimore
Baltimore
Forest Hill
Berlin
Baltimore
Annapolis
Baltimore
Baltimore
Baltimore
Columbia
Salisbury
Jarrettsville
Glen Burnie
Pasadena
Sparrows Point
Queenstown
Towson
Baltimore
Waldorf
Willards
Cambridge
La Plata
Bethesda
Oakland
Upperco
Aberdeen
Baltimore
Sykesville
Frederick
Easton
Towson
Chestertown
Middletown
Centreville
Laurel
Rockville
Ocean City
Bethesda
Bethesda
Columbia
Top
Level
Ticker
MBCQ
TYCB
SVBI
FRTR
BYBK
BVFL
HBK
TCFC
DLMV
CUMD
EGBN
FUNC
FMFG
HFBK
CROL
FCBI
SHBI
PEBC
SHBI
IFSB
FULT
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
6.6
17.6
1.3
20.6
9.8
49.8
27.1
8.7
25.0
13.4
14.4
11.5
15.4
4.4
31.5
27.1
21.2
16.7
11.6
23.9
47.7
37.1
37.8
3.8
22.6
9.6
27.3
1.5
2.7
18.9
25.5
31.5
38.3
13.2
15.0
2.0
15.2
2.4
13.3
41.6
9.0
25.21
24.97
21.44
18.28
16.55
16.26
15.03
14.53
14.08
13.85
13.74
13.73
13.71
13.61
12.01
11.90
11.90
11.78
11.64
11.52
11.38
11.35
10.85
10.85
10.84
10.82
10.80
10.53
10.27
10.27
10.24
10.13
10.11
10.09
10.09
10.06
10.03
9.96
9.87
9.76
9.60
Page 34
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
25.36
24.71
20.99
18.01
16.57
16.25
15.01
14.59
13.97
15.00
14.23
13.87
13.53
13.66
11.94
12.07
11.67
11.68
12.40
11.31
11.29
11.25
10.83
10.70
9.56
10.76
10.68
12.64
10.19
10.01
11.40
7.32
10.06
9.62
10.08
7.87
10.11
9.98
9.68
9.23
9.52
58,534
816,293
92,777
139,351
466,178
67,959
761,831
160,939
168,443
229,124
463,416
305,257
117,149
456,264
43,619
169,344
455,063
387,061
172,525
1,174,223
316,534
314,601
226,001
6,118,988
1,305,913
347,765
320,608
616,676
155,089
361,746
615,415
56,010
237,154
260,414
492,543
1,173,450
199,619
286,921
793,668
564,150
2,151,306
-7.3%
1.3%
-2.8%
-1.3%
2.7%
-0.2%
-2.1%
-1.9%
-4.4%
-10.7%
-4.9%
1.2%
1.9%
-2.7%
1.2%
-0.7%
4.1%
35.8%
0.0%
8.0%
4.2%
61.9%
3.8%
11.7%
-2.1%
6.2%
6.4%
-20.4%
29.0%
3.3%
4.2%
-1.4%
3.5%
40.7%
2.3%
63.7%
-2.0%
15.0%
74.1%
-0.2%
1.0%
43,603
611,312
71,596
100,248
382,388
56,779
530,111
116,389
144,519
193,674
365,975
252,626
90,967
391,661
38,355
143,027
399,342
316,859
150,100
950,200
249,424
269,176
198,412
5,258,119
1,019,868
276,198
256,724
518,485
121,170
309,404
538,794
36,465
199,814
229,144
435,451
991,988
143,854
257,026
690,634
501,294
1,715,513
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
1.0%
0.0%
0.0%
0.0%
0.0%
4.4%
0.0%
0.0%
0.0%
0.0%
0.0%
0.1%
1.1%
0.0%
15.7%
0.0%
0.0%
3.3%
22.5%
7.6%
3.1%
2.2%
1.4%
14.0%
5.5%
2.9%
4.6%
0.0%
1.9%
1.0%
12.2%
20.4%
10.8%
4.2%
0.0%
0.3%
0.64
1.02
-0.62
-0.48
0.96
0.60
0.79
-0.30
0.18
0.32
0.40
0.47
0.09
0.30
0.43
0.33
1.16
0.28
0.33
0.75
0.75
0.77
0.54
1.56
1.01
1.27
0.63
2.76
0.20
0.57
0.66
-0.34
0.53
0.11
0.77
0.77
0.17
0.80
0.73
0.91
0.90
NIM LTM Net
(FTE) Income
(%)
($000)
3.58
3.61
2.15
2.60
3.23
3.29
3.21
2.63
2.93
2.04
4.62
3.33
2.93
2.45
3.86
4.08
4.18
3.06
3.51
3.65
4.43
3.63
3.48
4.42
3.20
4.39
3.63
5.10
3.61
3.63
3.27
3.14
3.17
3.49
3.69
3.87
3.41
3.18
4.64
3.95
3.27
386
8,165
-582
-672
4,481
402
6,079
-487
310
731
1,933
1,410
102
1,398
188
557
5,173
929
571
8,326
2,328
2,212
1,195
90,463
13,219
4,276
1,973
18,201
278
2,000
3,982
-189
1,238
240
3,750
6,207
339
2,251
4,050
4,951
19,045
Maryland Banks, Texas Ratio <75%
Bank
City
First Mariner Bank
New Windsor State Bank
Bank of Delmarva
Capital Bank, National Association
Monument Bank
Sandy Spring Bank
Howard Bank
Chesapeake Bank & Trust Company
Bank of Glen Burnie
Old Line Bank
Hebron Savings Bank
Damascus Community Bank
Woodsboro Bank
Provident State Bank, Inc.
Harbor Bank of Maryland
Glen Burnie Mutual Savings Bank
Baltimore
Taneytown
Salisbury
Rockville
Rockville
Olney
Ellicott City
Chestertown
Glen Burnie
Bowie
Hebron
Damascus
Woodsboro
Preston
Baltimore
Glen Burnie
Top
Level
Ticker
NWID
DBCP
SASR
HBMD
CPKB
GLBZ
OLBK
DMAS
PSBP
HRBK
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
21.1
6.7
32.8
10.2
12.6
8.0
14.9
26.5
8.9
8.5
74.7
16.5
15.1
25.7
39.7
14.7
9.53
9.44
9.44
9.31
9.07
9.02
8.99
8.78
8.75
8.62
8.44
8.31
8.30
8.14
7.91
7.88
Page 35
0
0
0
0
0
0
0
0
0
0
0
0
0
0
233
105
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
5.53
9.56
9.19
9.10
7.85
9.02
8.39
8.64
8.74
8.89
8.43
8.35
8.88
8.03
9.48
7.89
932,558
292,782
502,034
770,610
513,820
4,710,656
990,326
112,118
392,993
1,515,859
561,634
300,486
236,979
326,717
266,014
87,499
12.4%
2.4%
9.5%
16.1%
10.9%
7.1%
39.4%
15.9%
-1.8%
19.6%
3.5%
3.7%
1.8%
11.8%
15.1%
3.6%
784,880
252,827
421,816
662,794
405,076
3,427,236
815,769
77,060
337,716
1,233,933
462,545
269,086
204,917
269,476
233,448
80,495
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
7.4%
13.6%
10.3%
0.0%
7.5%
0.0%
0.0%
11.9%
0.0%
2.2%
0.0%
4.5%
0.0%
0.0%
-0.63
0.67
0.84
1.17
0.65
1.00
0.21
1.25
0.33
0.78
0.62
0.29
0.29
0.34
-0.33
0.18
NIM LTM Net
(FTE) Income
(%)
($000)
3.51
3.91
3.90
5.22
3.86
3.38
4.05
3.38
3.10
3.85
3.76
3.42
3.52
3.79
3.72
0.97
-5,518
1,953
4,027
8,158
3,205
45,698
1,781
1,294
1,309
10,818
3,464
840
682
1,048
-829
158
Maryland Banks, Texas Ratio >75%
Bank
City
Cecil Bank
Eastern Savings Bank, FSB
Elkton
Hunt Valley
Top
Level
Ticker
CECB
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
542.8
205.4
2.09
17.16
15,678
0
Page 36
TCE/
TA
(%)
2.33
17.39
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
253,189
349,318
-20.9%
-11.1%
Total
Deposits
($000)
192,724
254,800
LTM
Brokered ROAA
(%)
(%)
0.0%
0.4%
-1.98
1.40
NIM LTM Net
(FTE) Income
(%)
($000)
2.88
6.46
-5,672
5,177
Mississippi Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
First Federal Savings and Loan Association
Jefferson Bank
Grand Bank for Savings, FSB
Bank of Wiggins
Bank of Walnut Grove
Bank of Holly Springs
Bank of Forest
Richton Bank & Trust Company
Peoples Bank & Trust Company
Pike National Bank
Bank of Morton
First National Bank of Picayune
First Choice Bank
Farmers and Merchants Bank
Peoples Bank, Biloxi, Mississippi
BNA Bank
FNB Oxford
Holmes County Bank & Trust Company
Commerce Bank
First Commercial Bank
First National Bank of Clarksdale
Guaranty Bank and Trust Company
OmniBank
Amory Federal Savings and Loan Association
First State Bank
Bank of Benoit
Bank of Anguilla
Charter Bank
Citizens Bank
Century Bank
Merchants & Marine Bank
Citizens National Bank of Meridian
First Security Bank
Merchants & Farmers Bank
First American National Bank
Bank of Brookhaven
Bank of Okolona
Copiah Bank, National Association
PriorityOne Bank
Citizens Bank
Bank of Yazoo City
Mechanics Bank
Cleveland State Bank
Oxford University Bank
Aberdeen
Greenville
Hattiesburg
Wiggins
Walnut Grove
Holly Springs
Forest
Richton
North Carrollton
McComb
Morton
Picayune
Pontotoc
Baldwyn
Biloxi
PFBX
New Albany
Oxford
Lexington
Corinth
Jackson
Clarksdale
Belzoni
Bay Springs
Amory
Waynesboro
Benoit
Anguilla
Biloxi
Byhalia
Lucedale
Pascagoula
MMPM
Meridian
Batesville
Holly Springs
Iuka
Brookhaven
Okolona
Hazlehurst
Magee
Columbia
Yazoo City
Water Valley
Cleveland
Oxford
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
0.6
0.7
54.7
10.8
0.3
16.9
9.0
5.4
0.0
22.8
16.4
22.8
5.1
11.5
27.4
17.5
2.5
41.8
2.4
5.4
3.9
20.1
35.3
13.2
1.3
8.3
13.7
42.6
2.9
7.7
8.5
11.0
13.1
25.3
9.6
3.4
12.9
30.5
10.9
16.0
2.5
39.7
3.6
7.2
22.10
17.93
15.82
14.89
14.54
13.97
13.88
13.77
13.58
13.45
13.40
13.30
13.23
12.90
12.73
12.43
12.37
12.12
11.91
11.81
11.79
11.72
11.63
11.49
11.41
11.38
11.34
11.32
11.14
11.13
11.03
10.78
10.77
10.64
10.60
10.58
10.44
10.38
10.30
10.29
10.28
10.23
10.18
10.03
Page 37
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
21.89
17.63
14.74
14.88
14.37
14.45
13.69
15.27
13.43
13.13
13.36
13.63
12.77
13.33
12.87
12.25
12.58
12.28
12.31
11.23
11.62
11.36
11.74
11.56
11.66
11.54
10.84
11.71
11.51
11.17
10.41
11.50
10.69
10.71
10.33
11.01
11.13
10.53
10.29
9.74
9.95
10.23
9.49
10.06
30,428
100,957
86,298
189,749
57,549
212,975
159,478
60,169
70,693
228,835
66,278
206,986
282,369
304,747
696,915
462,753
272,645
114,366
103,214
391,771
361,630
659,647
46,781
89,794
778,266
16,701
131,356
125,535
73,355
265,873
613,910
1,220,099
561,310
98,651
261,371
160,065
168,919
175,687
615,316
394,826
249,257
220,214
227,676
123,384
0.5%
-1.4%
-4.3%
-1.1%
2.8%
-1.8%
7.7%
-7.1%
4.6%
8.9%
1.7%
2.0%
1.7%
3.4%
-3.4%
5.6%
6.8%
-2.3%
5.7%
31.7%
-1.8%
2.5%
-2.6%
-5.3%
0.1%
-14.3%
-1.9%
7.7%
1.4%
3.3%
-0.7%
6.7%
5.6%
4.6%
-2.1%
5.1%
9.0%
4.5%
5.1%
-0.8%
4.2%
0.5%
4.5%
3.4%
23,721
82,467
72,364
160,526
49,039
179,004
136,199
50,682
61,014
178,260
53,411
178,453
243,285
258,889
581,255
394,841
230,904
98,222
90,227
323,857
297,653
577,460
41,098
79,269
618,963
14,721
110,108
101,078
64,583
221,857
505,645
1,055,329
484,559
86,744
228,782
139,519
145,294
156,158
502,523
345,414
222,135
195,995
199,895
107,821
LTM
Brokered ROAA
(%)
(%)
0.0%
12.5%
10.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.9%
0.0%
0.0%
0.0%
0.0%
20.7%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
3.5%
0.0%
0.0%
1.6%
0.6%
1.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.2%
0.0%
0.0%
1.2%
0.0%
5.2%
0.34
1.29
0.95
0.87
0.98
1.63
0.94
0.90
0.94
0.97
2.79
2.33
0.71
1.07
-0.45
1.34
0.85
0.58
1.80
0.75
1.22
1.59
0.40
0.39
1.18
0.30
0.66
0.11
0.51
1.04
0.85
1.42
0.93
0.66
0.36
0.91
2.14
0.66
1.70
1.49
0.83
0.58
0.77
0.71
NIM LTM Net
(FTE) Income
(%)
($000)
2.74
4.76
6.79
4.01
4.14
5.06
4.03
3.89
2.68
4.43
5.53
4.44
3.75
4.80
3.15
3.69
3.71
2.91
4.23
3.58
3.78
4.19
4.21
3.13
3.83
3.96
4.57
4.71
3.59
4.91
3.29
3.63
4.05
3.45
3.64
3.99
5.34
4.64
4.18
4.56
3.54
4.00
4.06
3.87
103
1,417
842
1,625
555
3,458
1,408
554
631
2,073
1,794
4,786
1,915
3,183
-3,066
5,898
2,222
654
1,798
2,779
4,384
9,980
188
361
9,094
53
864
129
374
2,729
4,917
16,578
4,889
624
942
1,387
3,362
1,130
10,084
5,933
2,008
1,252
1,658
860
Mississippi Banks, Texas Ratio <75%
Bank
City
Peoples Bank
Commercial Bank
Trustmark National Bank
Magnolia State Bank
United Mississippi Bank
BancorpSouth Bank
First Southern Bank
Bank of Winona
Tallahatchie County Bank
Sycamore Bank
Bank of Commerce
First State Bank
Great Southern Bank
First Bank
Planters Bank & Trust Company
RiverHills Bank
BankPlus
Community Bank, North Mississippi
Bank of Franklin
Peoples Bank
Citizens Bank of Philadelphia, Mississippi
Covington County Bank
Bank of Kilmichael
Renasant Bank
State Bank & Trust Company
BankFirst Financial Services
Whitney Bank
First Federal Savings and Loan Association of Pascagoula-Moss Point
Community Bank
First, A National Banking Association
Community Bank of Mississippi
Merchants and Planters Bank
Community Bank, Coast
Metropolitan Bank
Citizens Bank & Trust Company
Ripley
De Kalb
Jackson
Bay Springs
Natchez
Tupelo
Columbia
Winona
Charleston
Senatobia
Greenwood
Holly Springs
Meridian
McComb
Indianola
Port Gibson
Belzoni
Amory
Meadville
Mendenhall
Philadelphia
Collins
Kilmichael
Tupelo
Ridgeland
Columbus
Gulfport
Pascagoula
Ellisville
Hattiesburg
Forest
Raymond
Biloxi
Ridgeland
Marks
Top
Level
Ticker
TRMK
BXS
CIZN
RNST
HBHC
FBMS
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
0.2
14.5
12.9
8.4
14.5
6.8
18.8
11.7
13.6
20.1
6.0
38.2
3.4
4.7
16.0
15.1
28.1
18.1
18.6
37.2
19.0
7.8
16.7
13.8
9.7
19.8
15.7
11.7
21.6
13.2
18.8
8.6
27.2
5.2
24.6
Page 38
9.98
9.88
9.80
9.71
9.71
9.71
9.71
9.68
9.55
9.55
9.50
9.44
9.38
9.36
9.30
9.27
9.22
9.22
9.17
9.11
8.98
8.97
8.88
8.86
8.77
8.75
8.68
8.67
8.34
8.34
8.31
8.17
8.15
7.97
7.85
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
344
202
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
10.01
9.81
9.38
9.57
9.71
9.31
9.89
11.02
9.47
9.13
9.66
9.48
9.40
8.80
8.94
8.89
8.95
9.08
9.97
9.12
8.26
10.07
9.39
8.41
8.73
8.63
8.21
8.69
8.13
8.24
8.12
8.78
8.02
7.51
9.43
396,756
138,636
12,774,031
316,281
351,945
13,913,587
194,836
116,369
62,166
221,136
343,871
117,727
290,269
480,751
1,054,084
316,005
2,734,298
539,453
134,479
271,143
1,001,843
69,329
156,154
8,123,037
1,001,112
914,562
22,711,951
289,356
713,843
1,241,393
755,939
91,677
769,897
1,093,014
136,782
8.1%
5.2%
4.9%
-1.9%
-2.2%
2.1%
-0.6%
0.0%
-2.5%
7.1%
-2.5%
-2.2%
0.7%
17.3%
23.3%
2.4%
5.1%
10.3%
1.8%
8.3%
5.9%
5.4%
12.4%
38.5%
1.7%
23.5%
10.2%
0.3%
3.5%
8.4%
7.4%
-1.5%
4.9%
9.2%
1.9%
343,516
123,548
9,648,956
284,260
313,193
11,511,182
174,419
100,002
56,210
199,387
281,892
106,109
261,838
435,947
941,173
256,402
2,210,828
478,849
120,407
237,517
792,610
61,780
139,188
6,437,733
836,427
820,945
18,709,067
182,489
639,386
1,035,529
682,179
83,466
688,207
918,897
103,317
LTM
Brokered ROAA
(%)
(%)
0.0%
0.2%
0.4%
0.2%
0.6%
0.0%
0.0%
0.0%
0.0%
0.4%
0.0%
0.0%
0.0%
3.9%
0.1%
0.0%
0.0%
0.0%
0.0%
4.9%
0.0%
0.0%
0.0%
2.7%
3.8%
5.8%
3.9%
0.0%
0.0%
2.9%
0.1%
0.2%
8.6%
32.0%
0.0%
1.31
0.43
0.94
0.95
1.11
0.90
0.78
0.72
0.34
0.83
1.36
0.72
0.79
1.12
1.06
1.27
0.83
0.29
0.79
1.88
0.80
0.60
1.46
1.06
0.68
0.76
0.49
0.35
1.14
0.90
0.99
0.25
0.62
0.65
0.55
NIM LTM Net
(FTE) Income
(%)
($000)
3.21
4.53
3.65
4.21
4.30
3.59
4.21
3.80
3.33
4.11
4.09
3.81
4.65
3.15
3.41
3.17
3.66
3.23
4.39
5.78
3.29
3.80
4.35
4.25
4.02
3.80
3.32
3.27
3.82
3.78
4.83
2.67
3.71
3.10
4.05
5,032
564
116,210
2,970
3,890
122,948
1,492
825
204
1,689
4,620
812
2,226
4,747
9,158
3,813
21,480
1,462
1,061
4,755
7,709
413
2,132
78,115
6,724
6,374
107,149
994
7,758
10,245
7,116
224
4,599
6,398
752
Mississippi Banks, Texas Ratio >75%
Bank
City
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
None
Page 39
TCE/
TA
(%)
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
Total
Deposits
($000)
LTM
Brokered ROAA
(%)
(%)
NIM LTM Net
(FTE) Income
(%)
($000)
North Carolina Banks, Texas Ratio <75%
Bank
City
Morganton Savings Bank, S.S.B.
Roanoke Valley Savings Bank, SSB
Piedmont Federal Savings Bank
First Savings and Loan Association
Wake Forest Federal Savings and Loan Association (MHC)
Roxboro Savings Bank, SSB
Jackson Savings Bank, SSB
Belmont Federal Savings and Loan Association
Roanoke Rapids Savings Bank, SSB
Hertford Savings Bank, SSB
First Federal Savings Bank of Lincolnton
First Capital Bank
Tarboro Savings Bank, SSB
Surrey Bank & Trust
BlueHarbor Bank
Yadkin Bank
Black Mountain Savings Bank, SSB
First Federal Bank
Mechanics and Farmers Bank
Select Bank & Trust Company
Entegra Bank
Asheville Savings Bank, SSB
High Point Bank and Trust Company
Capital Bank Corporation
Farmers & Merchants Bank
Peoples Bank
Union Bank & Trust Company
Lumbee Guaranty Bank
Park Sterling Bank
Four Oaks Bank & Trust Company
Providence Bank
NewDominion Bank
First Bank
HomeTrust Bank
Lifestore Bank (MHC)
New Republic Savings Bank
Uwharrie Bank
Bank of Oak Ridge
Great State Bank
Little Bank
Carolina Bank
Bank of North Carolina
Fidelity Bank
Morganton
Roanoke Rapids
Winston-Salem
Mebane
Wake Forest
Roxboro
Sylva
Belmont
Roanoke Rapids
Hertford
Lincolnton
Laurinburg
Tarboro
Mount Airy
Mooresville
Statesville
Black Mountain
Dunn
Durham
Dunn
Franklin
Asheville
High Point
Raleigh
Salisbury
Newton
Oxford
Pembroke
Charlotte
Four Oaks
Rocky Mount
Charlotte
Southern Pines
Asheville
West Jefferson
Roanoke Rapids
Albemarle
Oak Ridge
Wilkesboro
Kinston
Greensboro
High Point
Fuquay-Varina
Top
Level
Ticker
WAKE
FCPB
SRYB
BLHK
YDKN
MFBP
SLCT
ENFC
ASBB
HPTB
CBF
PEBK
PSTB
FOFN
FBNC
HTBI
LSFG
UWHR
BKOR
GSTB
LTLB
CLBH
BNCN
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
17.1
8.1
0.3
0.2
3.3
14.2
9.1
8.0
4.9
18.4
11.6
33.8
1.3
9.6
5.0
8.8
2.3
11.1
73.1
10.1
17.2
13.3
8.2
8.8
31.8
6.5
12.9
27.7
4.0
8.1
6.8
26.5
21.2
17.0
23.6
23.2
17.1
8.5
2.0
3.9
26.8
10.5
3.9
32.00
25.77
25.06
23.18
21.57
18.67
18.54
18.50
17.02
15.69
14.86
14.80
14.73
14.54
14.43
13.25
13.00
12.26
12.04
11.93
11.74
11.62
11.19
11.10
11.07
10.94
10.80
10.70
10.62
10.52
10.50
10.46
10.33
10.32
10.29
10.27
10.23
10.07
9.99
9.85
9.74
9.72
9.69
Page 40
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
30.62
25.96
25.05
23.17
21.51
18.84
18.60
18.52
17.43
15.57
14.64
15.09
14.64
14.71
14.34
9.89
12.89
11.99
11.71
12.02
12.40
11.03
11.37
11.45
10.80
11.33
8.23
10.27
10.47
11.58
10.36
3.86
9.75
11.11
10.48
10.50
8.26
10.37
10.03
9.89
9.84
9.67
9.34
78,215
37,171
896,761
51,151
105,419
216,128
34,814
94,806
51,280
12,810
351,959
52,182
43,366
260,504
159,589
7,419,334
36,971
166,697
304,346
829,822
1,054,516
782,460
852,148
7,482,864
562,203
1,068,148
283,692
324,505
3,145,141
720,337
258,099
312,446
3,381,924
2,741,446
265,383
62,224
516,307
364,192
110,791
360,404
705,469
5,698,749
1,752,564
-1.4%
-3.7%
-2.0%
-8.7%
-3.1%
1.3%
4.1%
-1.2%
-6.4%
-5.5%
-0.7%
0.3%
-0.7%
1.9%
15.6%
74.1%
0.8%
3.9%
2.3%
11.0%
14.8%
1.4%
2.7%
7.3%
5.4%
2.0%
11.8%
4.7%
31.7%
-6.1%
11.3%
5.9%
5.1%
6.1%
3.8%
6.2%
0.6%
1.2%
12.9%
3.8%
-0.8%
36.6%
5.6%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
51,916
26,760
666,199
38,793
81,337
151,073
28,216
76,910
40,047
10,811
298,755
44,106
36,890
216,974
134,081
5,356,965
31,610
145,240
263,051
668,013
737,163
631,672
701,432
6,028,409
496,715
858,309
234,883
282,411
2,504,805
563,926
222,205
261,453
2,831,393
1,850,092
194,087
47,630
457,059
321,922
98,859
297,742
604,475
4,785,824
1,553,886
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.6%
0.0%
4.1%
9.1%
0.0%
2.3%
11.0%
14.4%
0.0%
1.1%
35.5%
6.0%
0.4%
2.6%
2.6%
9.5%
0.0%
0.8%
14.5%
1.6%
6.6%
7.3%
22.7%
0.0%
2.5%
0.8%
0.5%
12.5%
0.0%
10.2%
2.5%
7.6%
3.6%
25.8%
0.0%
0.06
0.17
0.30
0.46
0.79
1.02
0.09
0.51
0.28
0.05
0.93
0.64
0.77
1.21
0.68
0.99
0.28
0.18
0.21
0.89
2.34
0.56
0.62
0.83
0.55
0.99
0.50
0.68
0.74
2.82
0.96
-1.19
0.89
0.40
0.56
0.86
0.51
0.83
0.41
0.90
0.80
1.09
0.51
NIM
(FTE)
(%)
LTM Net
Income
($000)
3.60
2.10
2.56
3.81
3.01
3.25
3.02
3.37
3.65
3.94
3.49
5.62
3.71
4.19
4.07
4.30
3.08
3.37
3.50
4.29
3.20
3.11
3.38
3.85
3.77
4.03
4.91
4.24
3.79
3.63
3.74
3.33
4.12
3.35
3.42
4.96
3.64
3.94
3.39
3.50
3.72
4.21
2.92
51
65
2,764
246
845
2,174
30
489
151
7
3,248
335
339
3,169
1,026
45,616
103
288
636
7,001
22,932
4,428
5,112
59,738
2,987
10,279
1,308
2,117
19,327
20,084
2,347
-3,557
28,992
10,842
1,441
511
2,660
2,944
426
3,180
5,540
55,451
8,628
North Carolina Banks, Texas Ratio <75%
Bank
City
CommunityOne Bank, National Association
Taylorsville Savings Bank, SSB
KS Bank, Inc.
Bank of America, National Association
Cornerstone Bank
Branch Banking and Trust Company
Coastal Bank & Trust
Paragon Commercial Bank
Sound Banking Company
Aquesta Bank
First-Citizens Bank & Trust Company
Live Oak Banking Company
Southern Bank and Trust Company
First South Bank
Carolina Premier Bank
First Carolina Bank
North State Bank
Carolina Trust Bank
Alliance Bank & Trust Company
Asheboro
Taylorsville
Smithfield
Charlotte
Wilson
Winston-Salem
Jacksonville
Raleigh
Morehead City
Cornelius
Raleigh
Wilmington
Mount Olive
Washington
Charlotte
Rocky Mount
Raleigh
Lincolnton
Gastonia
Top
Level
Ticker
COB
KSBI
BAC
CBFA
BBT
PBNC
SNBN
AQFH
FCNCA
LOB
SBNC
FSBK
PARA
CART
ABTO
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
18.6
33.1
16.1
13.1
36.3
8.7
8.0
4.6
11.9
12.4
10.1
6.4
6.1
9.9
17.4
7.8
6.5
18.5
59.1
9.62
9.59
9.57
9.50
9.43
9.40
9.30
9.27
8.99
8.95
8.84
8.84
8.80
8.74
8.74
8.58
8.28
8.27
7.03
Page 41
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,375
TCE/
TA
(%)
Total
Assets
($000)
13.93
2,380,845
9.33
99,720
9.71
345,458
9.38 1,653,947,000
9.41
107,084
8.66 206,874,891
8.81
87,523
9.03
1,342,283
9.04
173,697
7.36
310,753
8.55
32,048,417
7.82
1,206,640
8.70
2,414,243
9.40
939,009
9.12
249,125
9.88
162,511
8.14
796,847
7.60
372,746
6.88
143,492
1-Year
Change in
Total Assets
(%)
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
6.9%
1,955,915
3.8%
88,110
6.2%
273,587
3.4% 1,297,680,000
-2.1%
90,794
12.2% 158,050,500
18.9%
79,679
5.6%
1,049,098
12.8%
156,494
18.1%
218,451
4.6%
27,442,344
77.8%
1,064,316
10.4%
2,073,950
6.8%
819,359
0.3%
209,899
40.9%
144,252
8.5%
728,437
22.0%
320,689
-7.5%
115,285
2.9%
0.0%
10.4%
3.1%
0.0%
2.0%
0.0%
16.5%
6.3%
1.8%
0.1%
20.4%
0.0%
3.1%
11.9%
0.0%
5.3%
11.6%
0.0%
0.53
1.76
0.53
1.15
0.75
1.07
0.44
0.96
0.68
0.71
0.65
2.29
0.40
0.64
-0.11
2.37
0.58
0.39
-1.00
NIM
(FTE)
(%)
LTM Net
Income
($000)
3.41
3.69
3.58
2.82
3.32
3.17
4.05
3.56
4.29
3.95
3.23
3.56
3.73
3.85
3.84
3.29
3.62
4.18
3.42
12,328
1,743
1,737
18,599,000
806
2,115,595
342
12,523
1,130
1,948
202,426
21,744
8,893
5,840
-271
3,382
4,415
1,300
-1,497
North Carolina Banks, Texas Ratio >75%
Bank
City
Nantahala Bank & Trust Company
Franklin
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
249.4
5.49
3,681
Page 42
TCE/
TA
(%)
3.80
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
147,461
-1.0%
Total
Deposits
($000)
124,891
LTM
Brokered ROAA
(%)
(%)
0.0%
0.17
NIM LTM Net
(FTE) Income
(%)
($000)
3.35
254
South Carolina Banks, Texas Ratio <75%
Bank
City
Mutual Savings Bank
Woodruff Federal Savings and Loan Association
Spratt Savings and Loan Association
First Piedmont Federal Savings and Loan Association of Gaffney
Citizens Building and Loan, SSB
Pee Dee Federal Savings Bank
Kingstree Federal Savings and Loan Association
Oconee Federal Savings and Loan Association (MHC)
Palmetto State Bank
Commercial Bank
Bank of Clarendon
First National Bank of South Carolina
Cornerstone National Bank
GrandSouth Bank
Farmers and Merchants Bank of South Carolina
First Palmetto Bank
Bank of York
SouthCoast Community Bank
Carolina Bank & Trust Company
Home Federal Savings and Loan Association
First Reliance Bank
Congaree State Bank
Security Federal Bank
Abbeville First Bank
Dedicated Community Bank
Greer State Bank
Pickens Savings and Loan Association, FA
Bank of Walterboro
Carolina Alliance Bank
Bank of Greeleyville
Blue Ridge Bank
Independence National Bank
CresCom Bank
Palmetto Heritage Bank & Trust
Sandhills Bank
Clover Community Bank
Peoples Bank
Heritage Community Bank
Citizens Bank
First Community Bank
Bank of South Carolina
Conway National Bank
Bank of Travelers Rest
Anderson Brothers Bank
Hartsville
Woodruff
Chester
Gaffney
Greer
Marion
Kingstree
Seneca
Hampton
Honea Path
Manning
Holly Hill
Easley
Greenville
Holly Hill
Camden
York
Mount Pleasant
Darlington
Bamberg
Florence
Cayce
Aiken
Abbeville
Darlington
Greer
Pickens
Walterboro
Spartanburg
Greeleyville
Walhalla
Greenville
Charleston
Pawleys Island
North Myrtle Beach
Clover
Iva
Hartsville
Olanta
Lexington
Charleston
Conway
Travelers Rest
Mullins
Top
Level
Ticker
OFED
CTOT
GRRB
SOCB
FSRL
CNRB
SFDL
GRBS
CRLN
IEBS
CARO
RGBC
FCCO
BKSC
CNBW
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
1.8
8.3
0.3
2.2
10.7
13.1
18.5
6.8
11.7
6.9
5.7
20.8
24.3
14.5
10.6
23.8
5.3
6.0
36.4
6.3
16.9
15.3
14.6
18.7
16.2
14.4
5.6
39.5
10.1
18.2
25.6
27.3
4.0
29.7
10.1
14.2
41.5
12.0
9.2
10.1
8.2
11.3
9.1
16.3
35.61
35.36
26.71
24.13
21.58
18.58
15.14
15.12
14.56
13.80
13.53
13.30
12.95
12.94
12.88
12.70
12.37
11.85
11.43
11.42
11.36
11.29
11.03
10.91
10.72
10.58
10.55
10.48
10.30
10.29
10.28
10.27
10.11
10.07
10.05
9.88
9.84
9.83
9.81
9.81
9.79
9.73
9.51
9.45
Page 43
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
35.76
35.73
26.53
26.87
21.07
18.38
15.56
15.17
14.70
14.29
13.56
13.14
13.11
13.11
15.13
12.69
11.93
11.75
11.54
11.37
12.76
12.79
11.52
11.16
10.37
11.05
10.86
10.15
9.99
11.00
10.10
10.71
9.76
9.74
11.68
10.67
10.65
9.83
9.55
9.96
9.92
9.84
9.49
9.33
38,424
86,814
104,967
351,351
124,315
38,490
33,679
482,703
528,224
176,741
251,036
181,274
146,494
435,699
289,123
620,680
218,001
473,306
423,940
41,977
378,501
104,905
810,730
71,898
55,214
385,147
91,505
197,069
630,275
81,625
108,465
92,365
1,452,719
149,965
139,096
125,398
293,684
110,187
409,785
867,436
403,617
1,038,874
620,280
539,949
2.3%
-2.1%
-1.9%
4.1%
2.4%
2.8%
0.2%
-0.2%
5.5%
6.8%
9.2%
5.6%
1.7%
8.6%
2.5%
9.2%
10.2%
-2.6%
5.4%
0.1%
0.9%
-6.1%
-1.5%
7.0%
12.0%
5.9%
-1.5%
12.3%
46.6%
0.2%
2.9%
-4.3%
13.9%
2.3%
36.0%
2.9%
5.9%
7.7%
3.5%
4.1%
7.1%
4.6%
12.4%
6.7%
24,588
54,009
76,918
254,816
87,762
31,372
28,369
404,366
433,923
150,867
210,317
154,635
125,946
375,153
243,914
509,772
183,067
342,277
370,510
36,391
311,698
88,872
671,638
52,544
49,479
292,548
72,704
176,797
524,166
70,473
95,855
82,194
1,143,272
116,590
119,945
111,079
245,207
93,439
358,175
724,207
362,527
852,942
546,168
485,086
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
8.3%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
4.0%
0.0%
6.8%
0.0%
0.0%
0.0%
0.0%
0.0%
17.5%
0.0%
0.0%
0.0%
9.1%
4.5%
5.0%
0.0%
3.9%
10.8%
0.0%
0.1%
0.0%
0.0%
0.0%
0.0%
-0.30
0.77
0.18
1.08
0.75
-0.44
0.40
1.12
1.44
1.17
0.96
0.38
1.02
1.41
0.60
0.73
0.42
0.98
0.77
0.56
2.26
0.25
0.84
0.98
0.31
0.90
0.49
0.62
0.44
0.99
0.74
-0.86
1.18
0.64
0.01
1.00
1.03
0.39
0.70
0.82
1.32
0.78
1.11
1.16
NIM LTM Net
(FTE) Income
(%)
($000)
3.14
2.99
2.32
4.40
3.64
3.07
2.91
3.88
3.62
3.25
3.73
3.36
3.50
6.80
3.13
3.26
3.10
3.68
4.46
4.11
4.59
4.18
3.37
3.85
4.23
3.18
3.56
3.21
3.90
4.90
4.22
3.64
3.70
3.79
3.63
4.10
3.68
4.46
3.89
3.41
4.32
3.04
3.74
7.56
-114
676
195
3,699
899
-167
135
5,344
7,348
2,007
2,252
669
1,458
5,924
1,764
4,252
864
4,666
3,137
233
8,457
279
6,721
681
154
3,332
451
1,129
2,304
825
796
-839
15,926
934
8
1,268
2,970
414
2,791
6,915
5,071
8,108
6,315
5,998
South Carolina Banks, Texas Ratio <75%
Bank
City
South State Bank
Atlantic Community Bank
Coastal Carolina National Bank
Southern First Bank
Community First Bank
VistaBank
Arthur State Bank
First Federal of South Carolina, FSB (MHC)
South Atlantic Bank
Countybank
CoastalStates Bank
Columbia
Bluffton
Myrtle Beach
Greenville
Walhalla
Aiken
Union
Walterboro
Myrtle Beach
Greenwood
Hilton Head Island
Top
Level
Ticker
SSB
ATBA
SFST
CFOK
FSGB
SABK
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
7.6
15.2
6.4
12.9
24.0
11.3
53.0
23.5
8.7
20.6
37.9
Page 44
9.14
9.06
9.03
8.95
8.77
8.45
8.25
8.20
8.04
8.01
6.64
0
0
0
0
0
0
0
0
0
0
5,584
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
8.78
11.96
9.55
8.76
9.67
10.98
8.76
6.40
7.76
7.56
8.48
8,675,037
82,514
176,374
1,236,608
321,465
110,146
463,222
72,346
417,354
358,194
423,586
8.1%
4.8%
16.6%
15.5%
-7.0%
3.8%
-12.6%
1.4%
17.2%
3.2%
6.6%
7,182,160
71,210
158,851
1,006,705
286,660
92,392
406,542
64,981
366,141
285,513
341,256
LTM
Brokered ROAA
(%)
(%)
1.0%
12.3%
0.0%
5.2%
0.0%
0.0%
0.0%
0.0%
4.3%
1.5%
0.0%
1.27
1.98
1.25
1.05
0.14
2.48
1.00
0.64
0.59
1.07
0.46
NIM LTM Net
(FTE) Income
(%)
($000)
4.48
3.90
3.65
3.70
3.03
3.43
3.45
3.77
3.98
3.53
4.31
106,082
1,627
2,052
12,187
492
2,759
4,862
466
2,282
3,707
1,885
South Carolina Banks, Texas Ratio >75%
Bank
City
Horry County State Bank
Enterprise Bank of South Carolina
First South Bank
Tidelands Bank
South Carolina Community Bank
Loris
Ehrhardt
Spartanburg
Mount Pleasant
Columbia
Top
Level
Ticker
HCFB
FSBS
TDBK
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
277.2
116.5
212.5
95.7
237.3
3.26
4.01
4.13
5.48
8.94
17,103
12,506
9,434
11,664
0
Page 45
TCE/
TA
(%)
3.01
4.02
4.22
5.37
9.01
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
365,928
313,424
244,431
463,717
53,066
-13.9%
1.0%
-3.4%
-2.6%
-8.2%
Total
Deposits
($000)
335,578
299,821
218,024
413,292
48,061
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.07
0.20
-0.20
-0.30
-2.16
NIM LTM Net
(FTE) Income
(%)
($000)
3.12
3.00
3.09
2.98
3.47
268
621
-490
-1,422
-1,190
Tennessee Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
Elizabethton Federal Savings Bank
Lawrenceburg Federal Bank
Security Federal Bank
Highland Federal Savings & Loan Association
Bank of Gleason
Clayton Bank and Trust
Home Federal Bank of Tennessee
American City Bank
Apex Bank
Citizens Bank and Trust Company of Grainger County
CBBC Bank
Citizens Bank
Bank of Cleveland
Financial Federal Bank
Peoples Bank of the South
Civic Bank & Trust
Farmers State Bank
Volunteer Federal Savings Bank
Farmers Bank
Johnson County Bank
Bank of Ripley
Greeneville Federal Bank, FSB
McKenzie Banking Company
Bank of Waynesboro
Farmers Bank
UBank
Bank of Lincoln County
Peoples Bank of Middle Tennessee
Wayne County Bank
First Advantage Bank
American Trust Bank of East Tennessee
First National Bank of Manchester
Coffee County Bank
First National Bank of Middle Tennessee
Macon Bank and Trust Company
Bank of Dickson
Tri-State Bank of Memphis
Athens Federal Community Bank, National Association
Merchants & Planters Bank
Putnam 1st Mercantile Bank
Citizens Bank
Elizabethton
Lawrenceburg
Elizabethton
SFBK
Crossville
Gleason
Knoxville
Knoxville
Tullahoma
Camden
Rutledge
Maryville
Carthage
Cleveland
Memphis
LaFollette
Nashville
Mountain City
Madisonville
Woodland Mills
Mountain City
Ripley
Greeneville
McKenzie
Waynesboro
Parsons
Jellico
Fayetteville
Shelbyville
Waynesboro
Clarksville
FABK
Knoxville
Manchester
Manchester
McMinnville
Lafayette
Dickson
Memphis
Athens
AFCB
Bolivar
Cookeville
Elizabethton
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
4.9
10.1
9.0
1.6
2.2
13.9
2.3
9.9
35.2
21.7
2.5
3.2
9.8
4.3
35.6
10.8
31.9
6.1
0.0
38.0
12.6
16.9
23.0
15.2
16.5
14.6
27.4
10.0
39.2
11.2
14.5
9.6
20.6
2.6
3.3
12.0
57.8
14.9
10.5
13.3
8.5
34.64
23.57
21.88
21.31
19.59
17.71
17.35
17.01
16.95
16.57
16.48
16.47
16.28
14.62
14.54
14.51
14.48
14.36
14.06
13.84
13.70
13.54
13.45
13.44
13.11
13.06
12.98
12.90
12.89
12.77
12.74
12.65
12.62
12.60
12.50
12.33
12.25
12.16
11.97
11.93
11.89
Page 46
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
34.77
23.67
21.98
21.46
21.45
17.74
16.99
17.29
16.88
16.82
16.51
16.43
15.48
13.98
14.42
15.01
14.78
14.27
14.59
14.33
14.87
13.68
13.59
13.28
13.45
13.51
13.36
12.67
12.99
12.92
12.64
12.50
12.42
12.83
12.45
13.02
9.32
12.38
12.73
11.80
12.54
313,863
56,999
63,339
63,910
116,575
796,281
2,168,616
272,574
382,045
203,508
333,308
555,071
244,057
463,057
139,843
141,832
142,197
174,221
10,702
119,785
212,764
143,508
127,277
155,366
34,903
66,534
133,971
117,828
302,496
485,546
141,025
250,722
146,466
485,461
378,192
225,179
105,233
326,804
86,065
118,783
709,797
-3.0%
-0.8%
8.7%
1.6%
-3.0%
12.1%
2.0%
5.7%
3.7%
1.3%
3.6%
3.5%
3.0%
17.9%
-1.8%
-1.2%
3.5%
1.3%
-15.4%
-0.2%
2.8%
-1.7%
1.5%
5.8%
-3.7%
-0.8%
1.0%
13.8%
-0.9%
8.0%
3.0%
4.4%
8.3%
1.3%
3.1%
0.9%
-14.6%
5.6%
-1.7%
2.5%
2.9%
198,106
41,790
45,411
49,394
90,330
612,079
1,723,547
209,870
287,628
168,706
274,584
461,688
204,670
311,695
114,792
103,168
119,118
137,260
9,135
98,809
179,028
122,189
109,292
133,933
30,039
56,816
115,452
101,496
252,257
375,178
117,031
216,147
125,835
386,415
319,243
186,358
89,934
269,405
71,433
104,418
534,357
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
0.0%
3.3%
0.0%
5.4%
0.0%
0.0%
0.0%
0.0%
0.0%
4.8%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
6.5%
10.9%
5.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
11.1%
1.0%
0.0%
6.7%
2.0%
0.81
0.75
1.23
0.09
1.20
3.62
0.58
2.49
3.48
0.94
1.02
2.25
1.38
1.85
1.81
0.10
0.66
0.36
-2.94
0.72
0.55
1.55
0.92
1.23
0.34
1.10
0.75
1.07
0.87
0.72
1.02
1.33
2.65
1.06
0.83
0.82
0.36
1.04
1.11
0.92
1.24
NIM LTM Net
(FTE) Income
(%)
($000)
2.79
3.97
4.43
3.00
4.07
5.75
2.65
4.91
8.17
3.72
3.19
4.84
4.75
3.54
5.13
3.35
4.53
3.66
2.09
3.52
4.17
4.88
5.01
4.41
3.95
4.86
4.90
4.57
4.69
4.38
4.09
3.96
4.87
3.14
3.40
3.42
4.12
4.57
4.51
3.79
3.88
2,590
429
744
57
1,425
26,936
12,387
6,638
13,062
1,862
3,351
12,273
3,151
7,796
2,543
149
891
627
-340
875
1,134
2,240
1,156
1,852
117
728
1,000
1,164
2,652
3,460
1,394
3,196
3,705
5,063
3,017
1,840
423
3,278
948
1,087
8,512
Tennessee Banks, Texas Ratio <75%
Bank
City
Farmers and Merchants Bank
First Community Bank of Bedford County
Union Bank & Trust Company
First Vision Bank of Tennessee
Bank of Frankewing
Greenfield Banking Company
Millennium Bank
Southern Heritage Bank
Citizens Community Bank
Community National Bank
People's Bank and Trust Company of Pickett County
Citizens National Bank
First Community Bank of East Tennessee
Peoples Bank & Trust Company
Security Bank
First Farmers and Commercial Bank
Franklin County UNITED Bank
Gates Banking and Trust Company
Bank of Crockett
First National Bank of Oneida
Wilson Bank and Trust
Cumberland Bank & Trust
Peoples Bank of East Tennessee
Traditions First Bank
Volunteer State Bank
Union Bank
Peoples State Bank of Commerce
Farmers Bank
First Freedom Bank
Reelfoot Bank
Citizens National Bank
Bank of Halls
Commercial Bank
CedarStone Bank
Southern Bank of Tennessee
First Federal Bank
Farmers & Merchants Bank
Reliant Bank
Commercial Bank & Trust Company
First Bank of Tennessee
First South Bank
Adamsville
Shelbyville
Livingston
Tullahoma
Frankewing
Greenfield
Ooltewah
Cleveland
Winchester
Dayton
Byrdstown
Athens
Rogersville
Manchester
Dyersburg
Pikeville
Decherd
Gates
Bells
Oneida
Lebanon
Clarksville
Madisonville
Erin
Portland
Jamestown
Nolensville
Portland
Lebanon
Union City
Sevierville
Halls
Harrogate
Lebanon
Mount Juliet
Dickson
Dyer
Brentwood
Paris
Spring City
Jackson
Top
Level
Ticker
FIZN
FCCT
WBHC
CUBN
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
3.9
2.4
29.4
5.4
15.7
13.9
20.4
4.3
17.2
22.6
31.9
14.3
12.0
2.3
13.4
3.9
31.3
4.4
5.7
14.5
5.1
14.2
38.4
3.6
6.8
18.4
31.2
6.4
8.2
10.5
21.3
23.7
22.6
6.8
0.4
13.1
8.0
7.7
4.1
50.8
6.5
11.84
11.84
11.82
11.76
11.75
11.62
11.59
11.59
11.55
11.52
11.45
11.30
11.29
11.25
11.22
11.19
11.08
11.07
11.02
10.99
10.97
10.92
10.85
10.83
10.82
10.76
10.71
10.69
10.69
10.68
10.59
10.52
10.51
10.47
10.43
10.41
10.34
10.34
10.33
10.32
10.31
Page 47
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
12.02
11.87
12.18
11.67
11.75
11.62
11.60
11.59
11.69
11.56
12.04
11.51
11.25
11.18
11.79
11.05
12.81
12.23
11.80
11.36
10.80
11.17
10.80
11.01
10.86
10.76
10.42
10.58
10.37
10.66
10.46
11.15
10.53
10.39
10.36
11.30
10.06
10.31
10.58
10.42
10.34
36,082
437,931
81,420
187,360
216,771
54,057
141,767
267,302
203,757
217,626
112,169
552,288
181,546
88,810
178,945
113,856
76,408
42,462
142,807
206,716
2,065,700
169,784
205,473
118,459
530,740
216,238
152,490
587,276
340,894
154,972
939,044
75,155
832,678
169,256
217,239
496,539
95,720
868,517
710,053
291,670
460,279
3.1%
16.5%
-1.3%
6.6%
3.1%
5.2%
12.2%
6.9%
5.8%
3.8%
-1.8%
3.9%
-4.1%
5.9%
1.5%
1.8%
-10.5%
-4.6%
2.9%
1.7%
7.8%
1.2%
-4.1%
-2.2%
4.8%
-1.4%
0.5%
4.0%
9.2%
4.4%
4.8%
5.0%
1.8%
-2.4%
9.5%
4.2%
-4.6%
83.1%
5.7%
11.4%
2.8%
31,087
268,708
71,209
163,683
186,828
45,302
124,784
226,647
177,307
191,379
98,118
472,840
145,543
77,282
146,953
101,108
66,440
36,925
123,978
179,395
1,827,267
149,701
181,362
104,091
424,408
191,493
136,162
490,133
287,312
137,036
734,785
65,914
667,318
142,651
188,544
422,101
80,631
657,984
626,492
237,005
384,611
LTM
Brokered ROAA
(%)
(%)
0.0%
1.2%
0.0%
10.3%
1.4%
0.0%
2.9%
0.0%
0.0%
0.0%
0.0%
2.0%
1.2%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
6.6%
0.0%
0.0%
10.3%
0.0%
0.0%
0.0%
7.7%
0.0%
8.0%
0.0%
11.0%
5.9%
0.0%
0.0%
0.0%
23.7%
0.0%
0.0%
0.0%
0.74
1.38
2.04
0.94
1.05
0.63
1.30
0.94
1.56
1.01
0.93
1.27
0.53
0.74
1.01
0.63
-0.13
1.18
1.22
1.13
1.23
1.01
0.51
0.85
2.78
0.59
2.53
1.21
1.09
0.56
1.27
1.30
0.91
0.91
0.70
1.47
0.06
1.00
1.67
1.55
1.46
NIM LTM Net
(FTE) Income
(%)
($000)
4.40
3.68
5.18
4.33
4.26
4.34
4.35
3.99
5.43
4.17
4.91
3.51
3.83
4.26
3.63
3.87
4.29
3.76
3.71
3.92
3.84
4.33
4.51
4.11
4.51
4.07
4.08
4.51
4.31
3.82
4.08
4.11
3.74
4.47
3.45
3.55
3.33
4.04
3.86
4.70
3.78
256
5,585
1,694
1,683
2,243
331
1,770
2,467
3,108
2,122
1,050
6,757
933
644
1,751
705
-106
513
1,696
2,321
24,192
1,715
1,066
1,001
13,751
1,278
3,772
6,771
3,457
844
11,256
940
7,422
1,544
1,484
7,010
60
8,354
11,335
4,340
6,557
Tennessee Banks, Texas Ratio <75%
Bank
City
Paragon Bank
Newport Federal Bank
First National Bank of Pulaski
First Volunteer Bank
Community Bank & Trust
Legends Bank
Atlantic Capital Bank, National Association
Homeland Community Bank
First Commerce Bank
Bank of Perry County
Tennessee State Bank
Triumph Bank
Citizens Bank
Bank of Jackson
Bank of Milan
First Tennessee Bank, National Association
Peoples Bank
Security Federal Savings Bank of McMinnville
Avenue Bank
First Century Bank
F&M Bank
InsBank
Chester County Bank
Andrew Johnson Bank
First Capital Bank
First Citizens National Bank
Citizens Bank of Lafayette
Independent Bank
Foothills Bank & Trust
Truxton Trust Company
SmartBank
Home Banking Company
Mountain Valley Bank
Franklin Synergy Bank
Centennial Bank
Citizens Savings Bank and Trust Company
Security Bank and Trust Company
TNBANK
Lauderdale County Bank
Bank of Fayette County
Citizens Tri-County Bank
Memphis
Newport
Pulaski
Chattanooga
Ashland City
Clarksville
Chattanooga
McMinnville
Lewisburg
Lobelville
Pigeon Forge
Memphis
Hartsville
Jackson
Milan
Memphis
Sardis
McMinnville
Nashville
Tazewell
Clarksville
Nashville
Henderson
Greeneville
Germantown
Dyersburg
Lafayette
Memphis
Maryville
Nashville
Pigeon Forge
Selmer
Dunlap
Franklin
Trezevant
Nashville
Paris
Oak Ridge
Halls
Piperton
Dunlap
Top
Level
Ticker
PGNN
UNTN
ACBI
FHN
SCYT
AVNU
IBTN
FIZN
TRUX
SMBK
FSB
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
6.6
4.7
13.0
21.7
13.2
3.7
2.4
52.7
3.6
16.3
50.7
9.4
10.0
11.0
1.8
16.1
8.1
7.2
1.1
8.8
21.0
4.0
1.5
6.5
14.9
7.6
13.8
9.2
0.0
0.0
11.8
1.8
54.2
0.8
15.1
30.4
0.0
19.1
9.9
23.9
17.8
10.30
10.29
10.26
10.20
10.20
10.13
10.11
10.07
10.05
9.99
9.99
9.95
9.94
9.94
9.90
9.88
9.80
9.77
9.77
9.76
9.71
9.70
9.65
9.63
9.63
9.60
9.58
9.55
9.55
9.48
9.48
9.43
9.40
9.37
9.35
9.31
9.31
9.28
9.26
9.22
9.21
Page 48
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
10.76
10.19
10.24
10.17
9.97
10.15
11.05
10.14
9.86
9.77
9.78
9.75
9.82
10.39
10.17
9.30
9.80
9.93
9.60
10.46
9.40
9.42
10.32
9.38
9.67
9.91
9.83
9.48
9.62
10.01
9.25
9.60
9.39
9.54
9.29
9.16
9.38
9.41
9.47
8.99
9.45
313,936
200,102
752,944
908,926
211,433
400,535
2,724,599
142,483
318,980
153,268
640,914
537,270
195,125
161,477
63,748
26,771,369
72,789
188,585
1,205,110
281,723
888,326
321,956
71,317
341,578
253,993
1,290,717
851,477
986,822
208,212
411,750
1,012,629
92,938
93,587
2,298,608
364,525
105,790
197,146
197,032
53,386
394,641
720,513
9.2%
2.5%
1.6%
1.2%
6.1%
-0.7%
157.2%
3.0%
8.0%
2.3%
3.4%
6.6%
9.7%
5.3%
0.3%
5.0%
1.3%
2.6%
16.3%
11.1%
3.7%
20.8%
1.3%
9.2%
9.8%
1.5%
26.5%
9.2%
5.4%
16.6%
91.3%
-0.5%
1.9%
52.3%
19.4%
2.4%
10.2%
4.3%
2.4%
12.0%
9.2%
264,672
177,941
664,799
803,588
181,296
349,823
2,294,102
126,701
284,622
129,615
545,765
421,655
170,751
139,679
55,498
20,453,547
64,543
162,479
967,068
249,168
702,513
247,513
63,499
307,843
205,530
1,075,766
694,499
825,881
180,895
349,762
863,258
82,701
84,547
1,954,394
311,835
92,819
175,589
157,117
47,578
328,499
642,030
LTM
Brokered ROAA
(%)
(%)
11.8%
0.7%
0.0%
0.0%
0.0%
16.7%
10.2%
0.0%
4.2%
6.3%
6.3%
14.2%
0.0%
0.0%
0.0%
9.5%
0.0%
0.0%
28.0%
0.0%
12.2%
22.7%
0.0%
0.0%
2.4%
0.4%
0.0%
21.3%
0.0%
11.0%
5.7%
0.0%
0.0%
24.2%
7.0%
44.2%
17.6%
3.1%
0.0%
9.9%
0.8%
0.22
0.83
0.97
1.25
0.39
0.85
0.18
-0.06
1.24
1.75
0.21
0.95
1.19
0.69
0.83
0.99
0.71
0.60
0.75
0.06
0.51
0.91
0.75
0.99
0.65
1.11
1.06
0.96
0.81
1.32
0.35
0.55
0.18
1.05
0.91
0.20
1.74
0.47
0.53
0.90
1.57
NIM LTM Net
(FTE) Income
(%)
($000)
3.84
3.17
3.61
4.65
3.21
4.06
3.67
3.31
4.27
4.90
3.56
3.73
4.73
3.26
4.03
2.94
4.56
3.21
3.48
4.19
3.37
3.52
3.83
4.71
3.53
3.73
3.96
4.83
3.33
3.15
3.89
4.05
4.11
3.62
5.47
4.94
4.25
4.02
3.74
4.64
4.60
663
1,635
7,127
11,209
804
3,418
3,248
-83
3,696
2,625
1,303
4,824
2,196
1,055
522
253,275
518
1,111
8,368
170
4,439
2,766
531
3,262
1,590
13,925
8,966
9,069
1,648
5,163
2,317
491
165
20,541
2,972
207
3,235
888
275
3,288
10,591
Tennessee Banks, Texas Ratio <75%
Bank
City
BankTennessee
CapStar Bank
Citizens Bank & Trust Company
First National Bank of Tennessee
Community Bank
Southern Community Bank
INSOUTH Bank
Mountain Commerce Bank
Patriot Bank
Carroll Bank and Trust
Bank of Tennessee
Progressive Savings Bank
Peoples Bank
TriSummit Bank
Community First Bank & Trust
SouthEast Bank
First Peoples Bank of Tennessee
Citizens First Bank
Heritage Bank & Trust
Sumner Bank & Trust
First Farmers and Merchants Bank
Evolve Bank & Trust
Citizens Bank
TriStar Bank
Decatur County Bank
Pinnacle Bank
Hardin County Bank
Heritage Community Bank
Landmark Community Bank
American Bank & Trust of the Cumberlands
Bank of Putnam County
FirstBank
Central Bank
Tower Community Bank
Bank of Bartlett
Brighton Bank
Collierville
Nashville
Atwood
Livingston
Lexington
Tullahoma
Brownsville
Knoxville
Millington
Huntingdon
Kingsport
Jamestown
Clifton
Kingsport
Columbia
Farragut
Jefferson City
Wartburg
Columbia
Gallatin
Columbia
Memphis
New Tazewell
Dickson
Decaturville
Nashville
Savannah
Greeneville
Collierville
Livingston
Cookeville
Nashville
Savannah
Jasper
Bartlett
Brighton
Top
Level
Ticker
SBKT
FFMH
PNFP
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
12.0
4.9
10.8
7.1
12.9
11.5
11.8
23.9
12.3
5.8
9.2
38.0
64.5
7.7
28.8
8.3
13.8
26.0
24.2
12.9
4.0
19.9
33.7
3.8
7.1
7.2
31.6
16.4
6.1
2.2
1.4
11.0
73.8
14.6
73.4
69.1
9.18
9.16
9.14
9.13
9.13
9.13
9.07
9.06
9.04
9.02
9.00
8.99
8.99
8.98
8.97
8.83
8.82
8.81
8.72
8.67
8.66
8.50
8.41
8.41
8.37
8.37
8.26
8.17
8.09
8.08
7.89
7.77
7.71
7.38
6.49
4.69
Page 49
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
455
6,411
290
882
5,033
1,738
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
9.14
7.23
9.06
9.01
9.45
8.11
10.00
8.93
9.70
9.13
9.31
8.94
8.83
9.58
10.23
8.71
8.57
8.84
8.91
7.88
8.72
9.16
8.29
8.11
8.46
9.02
8.09
8.11
8.25
7.91
7.73
8.20
7.92
7.04
7.65
4.79
283,262
1,223,180
25,882
763,587
129,001
226,310
296,375
516,758
287,202
269,807
984,101
271,663
159,672
335,790
463,974
924,922
143,691
160,189
103,676
151,862
1,298,843
355,785
169,652
245,440
90,742
9,203,832
454,238
89,435
851,806
211,580
429,037
2,853,057
98,814
144,670
348,320
51,884
3.0%
7.5%
-2.2%
2.5%
6.3%
39.9%
-0.1%
20.5%
1.6%
1.1%
6.4%
2.2%
7.8%
7.3%
2.7%
27.8%
4.7%
5.0%
3.3%
-3.2%
6.9%
-7.5%
6.6%
5.2%
4.3%
46.2%
4.4%
-1.3%
23.8%
9.6%
4.0%
13.3%
-7.9%
4.0%
1.7%
-6.6%
247,140
1,086,337
23,474
683,270
109,058
198,733
265,480
457,946
247,131
238,211
803,023
245,231
138,666
271,588
412,801
834,585
126,191
141,336
90,631
134,331
1,142,093
270,930
154,717
216,089
76,570
7,100,561
401,738
81,866
688,330
188,424
390,814
2,478,422
89,787
133,236
311,348
49,256
LTM
Brokered ROAA
(%)
(%)
0.0%
11.0%
0.0%
0.0%
1.8%
0.0%
0.0%
5.1%
0.0%
0.0%
0.9%
6.9%
8.7%
5.3%
0.3%
26.3%
0.0%
0.0%
5.2%
3.5%
0.0%
0.4%
0.0%
3.7%
6.9%
6.4%
12.0%
0.0%
24.5%
0.0%
0.0%
0.1%
0.0%
0.7%
0.0%
0.0%
1.26
0.66
0.39
0.83
1.15
0.63
0.65
0.79
1.01
0.56
1.30
0.65
0.70
0.52
3.58
1.11
0.06
0.61
0.72
0.54
0.85
0.54
0.59
0.70
0.91
1.37
0.03
0.39
0.88
1.40
1.05
1.94
0.56
0.41
0.27
-0.54
NIM LTM Net
(FTE) Income
(%)
($000)
4.41
3.27
2.82
2.90
4.65
4.01
4.13
3.83
3.52
4.52
3.97
4.12
4.79
3.65
3.66
4.01
4.13
4.81
3.93
3.42
3.37
3.98
4.44
4.12
4.85
3.77
4.29
4.14
3.25
4.06
2.83
4.07
4.08
4.92
3.35
3.92
3,459
7,574
100
6,204
1,439
1,154
1,862
3,714
2,816
1,519
12,218
1,693
1,065
1,720
16,369
9,491
84
947
737
843
10,552
1,969
958
1,652
810
106,839
129
357
6,866
2,820
4,415
52,026
571
576
928
-289
Tennessee Banks, Texas Ratio >75%
Bank
City
American Patriot Bank
Civis Bank
Sevier County Bank
First Alliance Bank
Greeneville
Rogersville
Sevierville
Cordova
Top
Level
Ticker
SVRH
FABR
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
569.9
182.3
157.7
78.8
2.01
4.04
6.08
10.49
3,785
4,289
5,935
0
Page 50
TCE/
TA
(%)
1.44
4.05
6.10
11.16
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
62,578
108,670
307,361
117,427
-7.0%
-4.4%
3.2%
-1.6%
Total
Deposits
($000)
60,886
102,108
286,567
100,980
LTM
Brokered ROAA
(%)
(%)
0.0%
0.0%
0.0%
0.0%
-0.24
-1.01
0.58
0.25
NIM LTM Net
(FTE) Income
(%)
($000)
4.11
4.24
3.04
4.30
-160
-1,130
1,784
302
Texas Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
Beal Bank, SSB
Oakwood State Bank
Texas Exchange Bank, SSB
Citizens 1st Bank
First National Bank of Moody
State Bank of Texas
Donley County State Bank
First Federal Bank Littlefield, Texas
Gladewater National Bank
Frontier Bank of Texas
First National Bank of Winnsboro
Henderson Federal Savings Bank
Hamlin National Bank
Brazos National Bank
Lytle State Bank of Lytle, Texas
Liberty National Bank in Paris
Hill Bank & Trust Co.
American Momentum Bank
Security Bank of Crawford
First National Bank of Aspermont
Preferred Bank
Dilley State Bank
Citizens National Bank of Crosbyton
International Bank of Commerce
Mason Bank
First State Bank
Buckholts State Bank
Bank of Commerce
First State Bank and Trust Company
Granger National Bank
Preston National Bank
First National Bank of Quitaque
Inter National Bank
T Bank, National Association
Golden Bank, National Association
First State Bank of Livingston
First State Bank
Mineola Community Bank, SSB
City National Bank of San Saba
Justin State Bank
Westbound Bank
Fidelity Bank of Texas
First National Bank of Hughes Springs
First National Bank of Alvin
Normangee State Bank
Community Bank & Trust
Providence Bank of Texas
Plano
Oakwood
Crowley
Tyler
Moody
Dallas
Clarendon
Littlefield
Gladewater
Elgin
Winnsboro
Henderson
Hamlin
Richwood
Lytle
Paris
Weimar
College Station
Crawford
Aspermont
Houston
Dilley
Crosbyton
Brownsville
IBOC
Mason
Hemphill
Buckholts
McLean
Carthage
Granger
Dallas
Quitaque
McAllen
GFNOR
Dallas
TBNC
Houston
Livingston
Abernathy
Mineola
San Saba
Justin
Katy
Waco
Hughes Springs
Alvin
Normangee
Waco
Southlake
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
21.9
1.3
1.4
3.6
10.2
14.8
0.0
3.2
17.3
0.4
30.1
11.0
4.9
0.5
2.9
0.8
0.0
20.8
10.1
0.0
8.8
0.2
0.0
8.3
0.7
3.2
0.3
2.0
2.8
0.3
12.9
1.6
6.5
1.5
6.8
4.0
3.5
0.5
0.0
10.0
0.2
11.4
1.5
2.9
11.6
8.5
10.2
45.72
20.19
19.63
19.46
19.00
18.90
18.40
18.31
18.25
18.22
18.15
18.13
17.74
17.65
17.57
16.89
16.73
16.55
16.52
16.21
16.07
15.95
15.69
15.69
15.43
15.42
15.02
14.94
14.94
14.91
14.83
14.77
14.76
14.55
14.45
14.26
14.17
14.08
13.97
13.86
13.82
13.77
13.74
13.70
13.67
13.61
13.61
Page 51
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
43.54
20.61
15.86
21.44
19.65
18.86
19.06
18.73
18.43
18.14
17.68
18.18
17.76
16.92
17.83
16.98
16.62
16.22
15.03
17.87
14.76
16.22
16.05
16.42
16.70
15.56
15.28
15.58
15.85
16.40
15.81
15.07
14.73
13.93
14.18
15.59
14.93
14.22
14.14
14.04
12.95
13.91
14.45
14.38
13.81
13.56
13.86
2,178,149
6,374
213,303
719,112
47,452
675,455
38,421
44,874
41,498
146,767
138,862
114,475
90,159
30,699
80,795
267,374
131,278
1,161,322
25,424
64,314
248,171
126,568
45,602
991,133
110,645
54,339
70,926
35,273
502,737
32,629
58,792
51,698
1,842,666
193,730
644,980
322,649
24,938
196,579
60,063
66,102
162,303
93,439
252,313
125,006
128,002
412,711
119,272
5.3%
-4.7%
62.8%
-4.6%
2.9%
-12.8%
-1.8%
-0.5%
-38.3%
-2.9%
1.1%
0.5%
-10.4%
9.8%
-7.2%
3.9%
4.7%
8.2%
14.9%
3.6%
-3.8%
-10.3%
1.1%
-7.6%
7.2%
-0.3%
-8.0%
2.7%
-3.6%
-2.8%
-5.9%
-3.5%
-3.9%
13.2%
13.6%
-3.3%
-5.1%
5.3%
3.8%
-3.0%
9.6%
0.8%
2.6%
1.0%
10.2%
1.8%
8.6%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
1,089,174
5,051
149,371
476,495
36,614
483,347
30,973
36,295
33,670
119,495
109,567
93,093
73,369
19,026
64,794
221,457
108,830
956,151
21,550
52,748
210,398
105,463
38,199
738,102
84,730
45,771
60,042
29,635
401,241
27,021
48,356
43,293
1,384,761
160,471
518,968
269,485
18,834
146,317
51,449
56,532
138,863
80,160
214,788
106,058
109,616
356,287
102,418
51.2%
0.0%
20.7%
0.0%
28.7%
4.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.6%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.2%
0.0%
0.0%
9.3%
0.0%
0.2%
1.9%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
4.40
1.02
0.84
1.95
1.10
6.82
0.29
0.42
0.25
0.73
1.23
0.74
1.04
3.54
1.26
0.90
0.77
0.89
-1.17
1.18
0.74
0.73
0.71
1.41
1.31
0.19
1.38
1.85
1.24
0.73
2.13
0.69
0.82
1.98
1.15
1.06
1.32
0.47
0.32
1.91
0.59
1.17
2.23
1.04
1.48
0.76
0.83
NIM LTM Net
(FTE) Income
(%)
($000)
6.00
2.78
4.05
3.51
3.98
7.47
2.60
3.91
4.84
4.05
4.61
3.37
3.57
5.38
3.75
3.00
2.63
4.42
3.40
2.91
3.82
2.32
2.15
3.43
3.39
2.36
3.47
3.36
3.41
3.16
5.84
4.17
3.58
4.55
3.89
3.62
6.44
3.84
3.18
5.07
3.98
4.38
5.76
2.56
5.11
3.80
4.26
88,486
66
1,192
13,921
523
46,966
117
198
114
1,073
1,699
845
967
993
1,023
2,375
993
9,848
-261
735
1,675
960
321
14,574
1,409
103
1,032
655
6,419
241
1,382
362
15,069
3,494
7,062
3,365
381
920
186
1,271
952
1,102
5,491
1,260
1,796
3,087
970
Texas Banks, Texas Ratio <75%
Bank
City
Security State Bank & Trust
Muenster State Bank
First National Bank of Livingston
Amistad Bank
International Bank of Commerce
American Bank of Texas
Waggoner National Bank of Vernon
Commerce Bank
TexasBank
Menard Bank
American First National Bank
Vista Bank
American National Bank & Trust
Southwestern National Bank
First State Bank
Sanger Bank
First State Bank of Bedias
Marion State Bank
First State Bank
Texas Hill Country Bank
State Bank of De Kalb
Columbus State Bank
PlainsCapital Bank
American National Bank of Mount Pleasant
First State Bank of Ben Wheeler, Texas
First National Bank in Cooper
Bank of San Jacinto County
Carmine State Bank
One World Bank
Graham Savings and Loan, SSB
TBK Bank, SSB
Gilmer National Bank
First Bank of Muleshoe
BTH Bank, National Association
Security State Bank
Pavillion Bank
Trinity Bank, N.A.
International Bank of Commerce
Big Bend Banks, N.A.
Shelby Savings Bank, SSB
Amarillo National Bank
Colonial Savings, F.A.
Commerce Bank Texas
Citizens National Bank at Brownwood
Kilgore National Bank
MINT National Bank
Titan Bank, N.A.
Fredericksburg
Muenster
Livingston
Del Rio
Zapata
Sherman
Vernon
Laredo
Brownwood
Menard
Houston
Ralls
Wichita Falls
Houston
Columbus
Sanger
Bedias
Marion
Shallowater
Bandera
De Kalb
Columbus
Dallas
Mount Pleasant
Ben Wheeler
Cooper
Coldspring
Carmine
Dallas
Graham
Dallas
Gilmer
Muleshoe
Quitman
Farwell
Richardson
Fort Worth
Laredo
Marfa
Center
Amarillo
Fort Worth
Stockdale
Brownwood
Kilgore
Kingwood
Mineral Wells
Top
Level
Ticker
IBOC
IBOC
HTH
TBK
TYBT
IBOC
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
9.7
6.4
0.9
1.4
2.5
18.5
3.7
7.2
2.6
0.0
4.4
13.2
6.3
1.5
0.1
1.2
9.5
3.0
0.7
0.4
2.0
0.0
5.8
0.3
0.7
1.5
0.0
0.3
19.6
1.0
12.8
10.5
1.9
0.2
13.6
10.4
4.5
5.9
0.8
2.3
14.8
18.3
0.0
17.1
14.8
0.0
3.7
13.60
13.55
13.53
13.50
13.48
13.42
13.40
13.39
13.37
13.20
13.11
13.06
12.99
12.96
12.92
12.92
12.87
12.84
12.80
12.77
12.74
12.73
12.70
12.67
12.65
12.59
12.52
12.51
12.50
12.49
12.43
12.41
12.40
12.36
12.36
12.35
12.34
12.33
12.30
12.27
12.26
12.24
12.21
12.20
12.16
12.16
12.14
Page 52
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
13.67
14.64
13.84
13.06
13.56
13.59
13.42
13.50
13.27
13.43
12.89
13.15
13.05
13.40
13.68
13.06
13.13
12.99
12.31
13.76
12.33
12.95
12.10
13.13
12.65
12.80
12.56
12.81
12.56
12.51
12.43
12.47
12.86
12.01
11.97
12.50
12.83
12.50
14.52
12.37
12.34
23.17
12.42
12.27
12.09
11.55
12.11
879,305
167,596
358,607
28,576
525,950
2,301,060
282,207
584,273
409,379
34,338
1,204,183
327,491
493,186
349,523
146,708
131,368
163,923
98,605
99,359
81,204
184,387
94,144
8,653,227
91,296
135,233
48,127
38,790
72,382
81,657
120,852
1,615,083
231,854
112,049
997,357
137,024
83,316
225,042
9,696,848
127,144
271,628
3,667,809
1,025,883
51,383
207,002
81,662
109,028
88,347
6.5%
-1.9%
4.1%
2.8%
-6.5%
4.7%
-0.1%
-2.1%
-0.7%
1.7%
9.3%
20.4%
11.2%
0.0%
-3.0%
3.2%
-3.3%
5.0%
10.2%
24.4%
7.8%
-4.0%
3.1%
-0.6%
0.8%
0.8%
4.5%
0.1%
-0.2%
-4.9%
293.1%
-1.7%
4.1%
33.4%
13.7%
0.8%
7.4%
-3.4%
0.7%
1.0%
-3.4%
-12.6%
4.7%
3.4%
-9.7%
55.0%
10.3%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
NIM LTM Net
(FTE) Income
(%)
($000)
713,478
134,335
305,019
24,493
366,407
1,958,214
242,178
467,279
341,294
29,706
1,040,714
254,987
395,239
287,798
126,291
113,917
141,995
85,698
84,739
67,957
151,198
81,708
6,671,643
79,217
117,930
41,738
33,868
63,033
63,108
102,970
1,262,081
202,316
97,238
870,613
120,498
71,654
193,979
7,075,791
108,532
214,516
3,049,115
730,139
41,764
180,439
71,173
95,866
65,627
3.94
2.98
3.13
4.44
2.76
4.00
4.30
2.68
4.40
3.83
4.53
5.11
3.73
2.79
2.29
3.94
3.55
3.44
5.16
3.76
4.53
2.44
5.16
4.33
3.65
2.79
4.19
3.22
3.07
3.67
10.91
3.62
2.59
3.12
4.36
4.38
3.96
3.47
3.90
3.78
3.49
4.88
4.85
3.94
4.31
4.60
4.82
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.5%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
4.0%
0.0%
0.0%
20.7%
5.1%
0.0%
0.0%
0.0%
0.0%
2.2%
8.5%
0.0%
0.0%
0.0%
0.0%
0.0%
3.4%
1.05
1.59
1.38
0.47
1.52
1.44
2.54
1.05
2.25
0.81
1.40
1.09
1.05
0.90
0.77
1.12
1.78
1.75
2.29
0.46
2.41
0.63
1.78
1.65
1.66
0.46
0.54
0.91
0.32
1.22
2.15
1.03
0.53
0.77
1.16
1.16
1.79
1.03
1.36
1.25
1.61
1.13
0.80
1.50
0.49
1.34
1.91
9,007
2,680
4,773
132
7,887
32,200
6,989
5,963
9,329
279
15,981
3,366
4,943
3,150
1,127
1,459
2,930
1,669
2,062
338
4,283
602
148,505
1,504
2,265
219
204
658
256
1,502
22,162
2,408
562
6,614
1,429
946
3,799
101,341
1,757
3,363
60,312
13,924
407
3,064
416
1,195
1,546
Texas Banks, Texas Ratio <75%
Bank
City
Pioneer Bank, SSB
Austin Bank, Texas National Association
Grapeland State Bank
First Texas Bank
Ciera Bank
Yoakum National Bank
AccessBank Texas
First State Bank of Burnet
Johnson City Bank
First Bank & Trust
Llano National Bank
First Liberty National Bank
First National Bank of Emory
Lone Star State Bank of West Texas
Pearland State Bank
Peoples State Bank
Herring Bank
Citizens State Bank of Luling
Lamar National Bank
Bank of Texas
Santa Anna National Bank
Zapata National Bank
First National Bank of Hebbronville
First Federal Community Bank, SSB
First State Bank
Capital Bank of Texas
First National Bank of Gilmer
Robert Lee State Bank
West Texas State Bank
Dallas Capital Bank, National Association
Dublin National Bank
Southwest Bank
Cadence Bank, N.A.
Cendera Bank, National Association
Falcon International Bank
Worthington National Bank
Zavala County Bank
Moody National Bank
First National Bank of Jasper
Lone Star National Bank
First National Bank
First National Bank in Falfurrias
Commercial State Bank
First National Bank
First Bank and Trust of Memphis
First National Bank of Eldorado
First National Bank in Dalhart
Dripping Springs
Jacksonville
Grapeland
Lampasas
Graham
Yoakum
Denton
Burnet
Johnson City
Seymour
Llano
Liberty
Emory
Lubbock
Pearland
Rocksprings
Amarillo
Luling
Paris
Midland
Santa Anna
Zapata
Hebbronville
Paris
Rice
Carrizo Springs
Gilmer
Robert Lee
Snyder
Dallas
Dublin
Fort Worth
Houston
Bells
Laredo
Arlington
Crystal City
Galveston
Jasper
McAllen
Rotan
Falfurrias
Humble
Fabens
Memphis
Eldorado
Dalhart
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
4.3
11.7
3.3
2.1
9.9
2.2
1.7
0.8
11.0
0.5
18.2
0.5
0.8
4.6
2.5
0.0
13.8
0.0
0.8
0.0
0.0
10.8
1.0
6.7
13.6
0.0
20.8
5.1
16.9
1.8
0.0
0.0
24.8
0.0
20.9
6.0
0.0
11.1
6.1
24.5
7.5
11.3
2.5
0.0
5.6
0.0
0.0
12.11
12.06
12.02
11.94
11.93
11.92
11.83
11.80
11.79
11.77
11.76
11.69
11.69
11.68
11.68
11.61
11.58
11.56
11.54
11.51
11.49
11.49
11.48
11.46
11.46
11.44
11.43
11.43
11.43
11.42
11.42
11.42
11.41
11.41
11.41
11.41
11.41
11.38
11.37
11.35
11.33
11.32
11.30
11.29
11.21
11.20
11.10
Page 53
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
11.51
11.99
6.97
11.94
12.21
12.55
12.45
12.55
11.76
11.69
12.28
12.05
12.78
11.86
12.41
12.25
12.26
11.62
11.78
11.72
12.29
11.67
12.88
11.40
11.39
11.86
11.60
11.91
12.14
10.00
11.53
10.81
10.94
11.30
11.31
11.12
11.84
11.90
11.62
11.76
11.81
11.62
11.69
11.13
11.08
12.09
11.36
1,129,877
1,575,862
32,426
122,439
507,225
232,583
212,873
256,167
116,656
173,491
152,065
301,584
110,593
744,519
185,168
74,914
421,565
67,252
138,701
269,363
47,606
89,228
131,259
362,290
137,752
68,715
326,100
48,146
137,280
645,574
33,109
1,772,306
8,978,716
73,319
1,004,551
202,946
76,005
1,043,534
270,174
2,224,111
75,158
68,135
320,174
345,755
63,739
64,080
64,226
190.2%
0.3%
-0.8%
5.0%
2.2%
-3.7%
37.9%
1.3%
2.2%
-7.9%
4.9%
-1.2%
-3.7%
-7.7%
-0.8%
0.7%
-5.9%
-0.6%
7.7%
2.6%
9.3%
-3.2%
-9.8%
3.8%
-12.9%
-9.7%
-1.5%
0.0%
-5.2%
-3.2%
2.0%
7.2%
10.5%
16.8%
7.4%
13.2%
2.4%
-4.7%
-0.6%
2.2%
-2.9%
-18.5%
-3.3%
2.3%
-4.5%
-14.0%
0.5%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
992,788
1,343,077
28,344
106,194
405,083
202,825
186,009
223,514
102,844
148,387
132,296
252,428
92,980
646,575
161,893
65,688
368,058
59,318
119,945
226,166
37,682
78,633
113,518
307,688
120,142
59,617
277,986
42,270
120,228
367,894
29,221
1,373,173
7,420,212
64,926
884,100
179,907
66,191
886,176
236,333
1,878,954
66,173
60,067
281,722
281,640
56,145
56,039
56,867
0.0%
0.0%
0.0%
0.0%
0.0%
1.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
2.2%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.2%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
33.6%
0.0%
14.7%
14.4%
8.4%
0.0%
1.8%
0.0%
0.0%
0.0%
2.7%
0.0%
0.0%
0.0%
0.0%
3.2%
0.0%
0.0%
2.42
1.20
0.63
0.31
1.87
1.02
1.31
1.37
1.40
0.41
0.96
1.00
0.92
1.22
1.22
1.51
0.74
0.67
1.27
1.59
1.53
0.52
1.46
0.57
0.75
0.82
1.48
0.34
1.04
0.12
0.11
1.03
0.61
0.30
1.10
1.03
1.18
1.13
0.59
0.66
1.22
0.42
1.04
2.37
0.87
0.66
1.03
NIM LTM Net
(FTE) Income
(%)
($000)
3.96
4.26
4.62
2.58
4.99
3.00
3.32
3.21
4.14
2.10
4.15
2.97
3.14
3.69
2.56
3.18
4.64
4.49
4.25
2.80
4.69
3.64
3.26
3.94
4.14
2.76
4.35
3.42
3.72
1.92
2.30
3.96
3.52
4.36
3.69
4.28
3.46
3.47
2.72
3.48
3.98
2.32
4.46
3.79
2.77
4.04
4.43
12,390
18,727
205
377
9,311
2,361
2,455
3,426
1,608
738
1,449
3,049
1,007
9,480
2,187
1,135
3,165
449
1,710
4,178
711
459
1,993
2,018
1,090
579
4,892
157
1,472
714
37
16,924
51,156
208
10,730
1,958
823
12,609
1,520
14,149
929
304
3,374
8,145
551
449
685
Texas Banks, Texas Ratio <75%
Bank
City
First United Bank
TrustTexas Bank, SSB
Austin Capital Bank SSB
TexStar National Bank
Sovereign Bank
Bandera Bank
City National Bank of Taylor
First National Bank
First State Bank
First Texas Bank
First National Bank of Granbury
Powell State Bank
Citizens State Bank
First National Bank of Eagle Lake
Jourdanton State Bank
First State Bank
Happy State Bank
First State Bank
SouthStar Bank, S.S.B.
First National Bank in Port Lavaca
Texas Republic Bank, National Association
Citizens Bank
Spur Security Bank
Perryton National Bank
Mainland Bank
Texas State Bank
Farmers State Bank
Haskell National Bank
Gruver State Bank
Comanche National Bank
West Texas State Bank
Dalhart Federal Savings & Loan Association, SSB
Kress National Bank
Anahuac National Bank
Centennial Bank
Commercial National Bank of Brady
Texas Heritage National Bank
Burton State Bank
Woodhaven National Bank
CommunityBank of Texas, N.A.
Integrity Bank, SSB
NewFirst National Bank
United Texas Bank
Fidelity Bank
Citizens State Bank
Ozona National Bank
Commercial State Bank
Dimmitt
Cuero
Austin
Universal City
Dallas
Bandera
Taylor
Spearman
Athens
Killeen
Granbury
Powell
Tyler
Eagle Lake
Jourdanton
Three Rivers
Happy
Chico
Moulton
Port Lavaca
Frisco
Kilgore
Spur
Perryton
Texas City
San Angelo
Center
Haskell
Gruver
Comanche
Odessa
Dalhart
Kress
Anahuac
Lubbock
Brady
Daingerfield
Burton
Fort Worth
Beaumont
Houston
El Campo
Dallas
Wichita Falls
Sealy
Ozona
Andrews
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
6.3
0.5
0.7
0.0
13.3
13.5
8.4
11.4
5.9
0.2
5.7
18.2
9.8
12.8
5.4
2.4
10.1
24.3
3.7
1.4
3.2
4.7
0.0
9.3
12.6
0.0
29.2
2.8
11.8
1.6
2.0
1.1
14.2
3.2
3.6
0.5
13.2
0.0
13.8
8.1
0.0
1.9
0.9
7.5
0.0
0.2
15.4
11.09
11.07
11.05
11.04
11.03
10.98
10.98
10.97
10.96
10.96
10.91
10.91
10.90
10.90
10.90
10.89
10.89
10.88
10.87
10.86
10.86
10.84
10.84
10.82
10.79
10.79
10.77
10.77
10.76
10.74
10.74
10.73
10.73
10.71
10.70
10.70
10.70
10.68
10.68
10.65
10.63
10.63
10.63
10.60
10.58
10.58
10.57
Page 54
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
11.46
11.65
11.25
10.73
11.40
10.85
10.90
11.60
11.04
10.75
11.10
11.32
10.40
11.24
10.58
10.77
10.79
10.37
10.34
11.40
10.42
11.20
11.07
11.45
10.62
11.90
11.57
11.16
10.95
11.40
10.56
10.95
11.32
11.08
11.24
11.42
10.57
12.28
9.96
10.58
10.40
10.85
11.00
10.10
11.09
10.47
10.80
1,115,952
318,543
89,453
223,919
1,073,179
58,358
193,301
204,231
409,576
285,016
503,181
28,200
329,895
102,124
176,361
149,164
2,876,367
199,849
700,153
270,217
167,903
370,676
44,769
180,729
124,931
254,587
361,359
75,480
69,968
331,256
411,191
110,227
39,912
113,828
704,059
164,711
130,652
59,024
566,549
2,815,480
651,825
609,156
317,456
427,253
238,315
231,599
507,092
-1.3%
4.6%
25.2%
3.0%
1.4%
9.7%
1.1%
4.3%
2.4%
2.2%
3.9%
-4.6%
2.4%
-2.7%
-3.5%
-15.6%
9.5%
-5.7%
-14.2%
2.4%
15.8%
-9.2%
-3.4%
-6.1%
-2.5%
-3.6%
-5.2%
-6.4%
-1.3%
-3.4%
-13.3%
-1.0%
4.8%
8.2%
-3.5%
4.0%
9.5%
-6.5%
20.8%
11.2%
4.8%
-1.9%
24.3%
14.9%
3.1%
3.1%
-12.0%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
937,456
279,124
70,394
196,782
836,546
51,944
171,615
167,423
361,782
252,137
445,799
24,149
232,034
85,918
155,208
132,943
2,352,376
169,549
499,530
238,289
142,735
326,331
39,761
159,938
106,689
220,764
318,005
66,910
53,255
288,377
366,801
91,944
35,280
100,923
575,919
145,718
93,620
51,733
460,041
2,413,942
579,287
537,459
236,048
339,892
210,176
206,452
449,502
0.7%
0.0%
0.0%
5.6%
8.0%
0.0%
8.2%
5.1%
0.0%
0.0%
0.0%
0.0%
5.1%
0.0%
0.0%
0.0%
15.8%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
2.8%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.71
0.95
1.31
0.97
0.78
1.04
0.87
1.53
1.35
0.12
1.02
0.73
1.40
1.02
0.60
1.04
1.03
0.47
1.12
0.94
0.92
0.67
0.39
1.26
2.42
1.13
-1.27
0.68
1.21
0.97
0.66
0.58
1.26
1.47
1.61
1.75
1.35
0.80
1.07
0.97
1.14
2.16
0.87
1.51
1.28
1.30
1.56
NIM LTM Net
(FTE) Income
(%)
($000)
3.90
3.94
3.94
4.07
3.70
3.70
3.55
4.25
4.39
2.36
3.65
4.44
3.96
5.16
2.59
2.87
4.18
3.62
4.99
3.21
5.01
3.66
2.75
2.79
4.67
3.55
3.57
3.19
3.48
3.55
3.44
4.10
4.02
4.60
4.41
4.00
4.39
2.28
3.56
4.12
4.03
4.90
3.54
4.82
3.51
4.25
4.65
19,239
2,923
1,066
2,099
8,593
581
1,680
2,998
5,350
337
5,021
209
4,490
1,086
1,028
1,660
28,033
947
7,594
2,489
1,480
2,557
174
2,290
3,068
2,903
-4,723
528
844
3,127
2,859
634
524
1,621
11,553
2,772
1,661
476
5,537
27,140
7,217
13,100
2,704
5,943
3,032
2,922
8,240
Texas Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
First State Bank of Paint Rock
Texas Gulf Bank, National Association
Schertz Bank & Trust
First National Bank
Junction National Bank
Texas Brand Bank
First National Bank of Kemp
National Bank
National Bank of Andrews
North Dallas Bank & Trust Co.
ValueBank Texas
Citizens National Bank of Texas
First National Bank of Bastrop
Texas Security Bank
Lone Star Bank
First State Bank of Mobeetie
Citizens State Bank
Bank of River Oaks
First Capital Bank
Huntington State Bank
Broadway National Bank
TransPecos Banks
Citizens National Bank of Wills Point
First National Bank of Stanton
Comerica Bank
Prosper Bank
First National Bank of Mount Vernon
Industry State Bank
Lone Star Capital Bank, National Association
Legend Bank, N.A.
Citizens State Bank
First National Bank
City National Bank of Sulphur Springs
Peoples State Bank of Hallettsville
RiverBend Bank
Chappell Hill Bank
Citizens National Bank of Hillsboro
Elsa State Bank and Trust Company
HomeTown Bank, N.A.
National Bank & Trust
First National Bank of Huntsville
First State Bank
Lubbock National Bank
Post Oak Bank, N.A.
First National Bank of Bellville
First National Bank of Tahoka
City National Bank
Paint Rock
Houston
Schertz
Groesbeck
Junction
Garland
Kemp
Gatesville
Andrews
Dallas
NODB
Corpus Christi
Waxahachie
Bastrop
Dallas
Houston
Mobeetie
Corrigan
Houston
Quanah
Huntington
San Antonio
Pecos
Wills Point
Stanton
Dallas
CMA
Prosper
Mount Vernon
Industry
San Antonio
Bowie
Somerville
Wichita Falls
Sulphur Springs
Hallettsville
Fort Worth
Chappell Hill
Hillsboro
Elsa
Galveston
La Grange
Huntsville
Yoakum
Lubbock
Houston
Bellville
Tahoka
Corsicana
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
14.8
10.8
3.9
6.6
0.1
0.0
1.1
4.3
5.1
5.5
1.6
8.5
6.1
4.1
15.1
10.0
4.4
8.0
14.4
7.2
7.4
6.3
0.0
3.7
11.3
8.9
0.5
0.2
1.7
4.9
14.5
7.0
7.8
0.7
25.2
0.0
0.2
4.9
9.9
0.5
0.0
1.4
9.2
8.5
0.1
0.0
2.2
10.54
10.54
10.53
10.51
10.51
10.50
10.48
10.47
10.47
10.42
10.42
10.39
10.39
10.39
10.37
10.36
10.34
10.33
10.32
10.32
10.31
10.30
10.28
10.28
10.27
10.27
10.26
10.26
10.25
10.22
10.21
10.21
10.19
10.18
10.16
10.14
10.13
10.13
10.13
10.13
10.12
10.11
10.09
10.09
10.08
10.08
10.07
Page 55
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
10.71
11.09
10.28
10.73
10.61
10.41
10.24
10.27
11.18
10.54
10.34
9.98
10.80
10.46
7.29
11.09
10.60
10.37
10.57
10.25
10.80
9.93
10.63
10.34
10.02
10.65
11.54
11.41
10.22
10.60
10.23
9.86
10.21
10.60
9.79
10.12
11.46
9.72
10.49
11.03
10.36
10.79
10.52
9.91
10.90
10.40
9.77
97,911
533,056
275,856
52,466
59,453
149,691
66,104
592,633
177,047
1,317,305
210,287
765,188
496,502
302,256
109,353
85,628
132,016
446,188
46,223
229,442
3,272,014
151,762
136,536
162,449
69,001,157
79,596
197,247
702,713
234,993
610,991
462,434
431,414
464,266
284,980
54,554
24,745
208,861
191,682
541,293
224,994
454,238
189,377
925,939
1,111,870
648,536
56,359
47,848
3.2%
3.6%
13.5%
-4.8%
0.4%
11.7%
20.2%
2.1%
-12.1%
1.3%
3.2%
15.7%
3.4%
20.6%
5.9%
-6.0%
4.8%
5.0%
2.2%
-1.6%
0.5%
4.9%
10.5%
3.7%
-0.4%
2.1%
-3.9%
9.6%
1.1%
-2.1%
-1.6%
6.5%
1.7%
-1.7%
11.6%
1.7%
-1.2%
-5.0%
4.8%
-2.7%
-1.4%
-0.2%
3.2%
21.4%
10.1%
3.6%
7.8%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
85,944
471,827
246,452
46,678
53,093
128,451
57,155
530,848
154,219
1,163,921
186,753
680,835
441,052
269,468
95,973
75,732
117,648
370,953
41,239
200,933
2,848,668
133,820
121,700
145,212
57,093,068
70,502
168,253
614,908
195,914
528,461
410,099
330,388
410,511
250,240
48,170
21,936
147,979
172,072
481,441
199,823
394,939
167,493
762,291
993,705
555,131
50,441
42,785
0.0%
4.0%
0.0%
0.0%
0.0%
0.2%
0.0%
0.0%
0.0%
0.0%
0.0%
0.9%
0.0%
5.0%
1.0%
0.0%
0.0%
9.8%
0.0%
0.0%
0.0%
5.6%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
2.4%
0.0%
0.0%
3.6%
0.0%
9.3%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
3.7%
2.2%
0.0%
0.0%
0.0%
1.36
1.20
1.17
0.46
1.22
0.81
0.19
0.86
2.71
0.49
0.97
2.18
1.68
1.03
0.53
0.54
1.93
0.66
0.25
-0.16
1.11
1.18
1.77
0.74
0.68
1.34
1.08
1.57
0.39
1.63
0.97
1.96
1.73
0.69
1.16
0.02
1.00
1.32
1.12
0.88
0.79
1.33
0.94
1.04
1.41
0.44
0.51
NIM LTM Net
(FTE) Income
(%)
($000)
3.78
3.97
4.22
3.31
2.95
4.23
2.86
3.75
4.25
2.16
4.64
4.95
4.09
3.90
3.83
2.69
4.22
3.93
5.27
3.95
3.46
4.76
3.97
3.35
2.64
3.96
2.84
3.71
3.77
4.67
4.30
4.66
4.49
2.36
3.81
2.88
2.48
5.17
3.93
2.42
2.91
3.73
3.61
3.98
3.74
3.06
3.85
1,313
6,382
2,951
244
716
1,145
118
4,976
5,004
6,537
2,013
15,274
8,189
3,020
541
474
2,455
2,931
112
-372
35,639
1,729
2,311
1,146
480,117
1,061
2,218
10,324
905
10,005
4,401
7,979
7,960
1,923
584
6
2,086
2,494
6,017
1,997
3,615
2,500
8,594
10,776
8,544
232
236
Texas Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
Allegiance Bank
Security State Bank
Plains State Bank
First National Bank of Anderson
First National Bank of Trenton
Western Bank
American Bank, National Association
Enloe State Bank
Sage Capital Bank, N.A.
First National Bank of Floydada
Platinum Bank
Bloomburg State Bank
First State Bank Central Texas
First Bank & Trust
Texas Star Bank
Spring Hill State Bank
Synergy Bank, S.S.B.
Wallis State Bank
First National Bank of Albany
First State Bank of Odem
Round Top State Bank
Affiliated Bank
First National Bank of Giddings
Citizens State Bank
Coleman County State Bank
First Bank
Fort Davis State Bank
Commercial Bank of Texas, N.A.
First National Bank of Dublin
Sundown State Bank
First National Bank of Sonora
First State Bank
Cypress Bank, SSB
SouthTrust Bank, N.A.
Grandview Bank
Bank of DeSoto, National Association
Farmers and Merchants Bank
First National Bank of Hereford
First National Bank of South Padre Island
Incommons Bank, N.A.
Citizens National Bank
First Community Bank
Northstar Bank of Texas
Texas Financial Bank
American Bank, National Association
Ballinger National Bank
Brenham National Bank
Houston
ABTX
Pearsall
Humble
Anderson
Trenton
Lubbock
Dallas
Cooper
Gonzales
Floydada
Lubbock
Bloomburg
Austin
Lubbock
Van Alstyne
Longview
McKinney
Wallis
Albany
Odem
Round Top
Arlington
BAFI
Giddings
Buffalo
Coleman
Burkburnett
Fort Davis
Nacogdoches
Dublin
Sundown
Sonora
Stratford
Pittsburg
George West
Grandview
Desoto
De Leon
Hereford
South Padre Islan
Mexia
Cameron
Corpus Christi
Denton
Eden
Waco
Ballinger
Brenham
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
6.3
1.6
7.9
11.4
7.2
5.5
1.5
4.0
0.2
0.0
18.9
0.0
6.8
6.4
9.1
12.2
29.5
2.7
1.8
1.7
0.0
3.2
3.6
2.5
4.7
17.4
16.2
6.2
0.6
16.1
13.6
0.0
5.5
9.1
0.1
10.3
0.0
16.1
8.3
0.7
0.0
9.1
5.7
2.7
2.1
12.4
5.0
10.06
10.06
10.05
10.04
10.04
10.03
10.02
10.02
10.02
10.01
10.01
10.00
9.98
9.97
9.97
9.96
9.96
9.96
9.95
9.95
9.95
9.94
9.94
9.93
9.93
9.93
9.92
9.90
9.89
9.89
9.88
9.88
9.86
9.86
9.84
9.81
9.80
9.80
9.80
9.80
9.77
9.77
9.77
9.77
9.75
9.73
9.73
Page 56
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
9.85
10.48
9.91
10.24
10.18
9.81
9.85
9.94
10.38
10.60
10.22
9.80
10.07
9.56
9.88
9.82
11.14
9.45
12.31
10.43
10.00
9.18
10.27
11.13
10.15
9.83
10.16
9.95
10.04
10.56
9.78
10.03
9.74
9.98
9.51
9.69
9.83
10.24
10.10
8.64
9.70
9.81
9.42
10.01
9.96
9.69
9.92
2,209,151
503,472
372,366
165,053
160,624
198,674
53,340
30,932
342,201
107,108
251,865
16,687
1,433,051
819,121
350,534
185,015
138,504
479,825
512,593
128,671
487,623
603,502
187,927
806,915
103,003
349,600
75,735
570,747
84,351
143,507
332,994
233,061
178,345
371,986
165,681
194,482
80,647
149,398
60,627
146,321
441,049
406,343
1,671,275
98,749
413,892
45,935
304,343
17.2%
-4.9%
10.5%
-6.0%
-1.6%
5.5%
-13.9%
11.0%
-2.6%
0.5%
5.6%
8.8%
1.0%
7.8%
3.9%
-0.2%
12.5%
15.0%
6.5%
-6.2%
5.3%
21.7%
3.4%
5.1%
-2.4%
4.2%
2.7%
6.2%
5.9%
-25.9%
-1.6%
4.0%
1.6%
3.9%
12.1%
-0.3%
12.1%
-3.4%
2.4%
29.1%
7.3%
6.1%
-3.7%
-7.3%
-2.6%
-0.3%
4.9%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
1,862,114
444,593
332,595
147,943
136,197
160,283
47,730
27,770
302,077
95,731
207,034
15,012
1,208,339
714,898
307,047
151,617
119,690
418,295
446,840
114,829
437,268
414,855
168,163
709,490
92,514
294,500
67,668
499,014
75,761
127,929
290,506
198,238
135,456
296,687
147,663
175,467
72,354
133,481
54,468
127,913
397,427
334,222
1,395,625
88,656
361,516
41,390
266,669
6.8%
0.0%
1.5%
0.0%
0.0%
3.2%
8.6%
0.0%
0.0%
0.0%
5.9%
0.0%
0.0%
6.3%
1.9%
0.4%
0.0%
4.6%
10.5%
0.0%
0.0%
9.2%
1.1%
0.0%
0.0%
1.6%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.6%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.2%
0.0%
0.0%
0.0%
6.0%
0.97
1.19
1.06
0.72
0.31
1.15
1.27
1.26
1.12
1.74
-0.99
0.61
1.17
1.80
1.08
0.81
0.37
2.11
1.89
0.79
0.94
1.66
0.91
1.34
1.53
2.09
0.52
1.17
1.38
1.03
0.96
1.44
0.69
1.08
1.25
1.57
0.07
1.15
0.58
0.68
0.85
1.62
1.13
0.80
1.14
0.70
1.18
NIM LTM Net
(FTE) Income
(%)
($000)
4.67
3.53
4.22
3.44
3.05
3.97
7.76
5.19
4.04
3.32
4.29
4.06
3.47
4.10
4.00
3.82
4.75
4.86
3.96
4.04
3.14
5.38
3.41
3.61
4.83
4.84
3.99
3.72
4.44
3.86
4.15
3.49
3.91
4.35
4.23
7.04
3.80
4.03
3.57
4.94
2.86
5.77
3.87
3.22
3.44
3.37
3.68
19,531
6,081
3,655
1,236
530
2,201
734
377
3,886
1,865
-2,439
101
16,210
14,221
3,718
1,502
484
9,495
9,288
1,065
4,449
8,510
1,714
10,238
1,621
7,147
377
6,451
1,172
1,721
3,231
3,295
1,219
3,999
1,941
3,017
56
1,759
353
809
3,550
6,372
19,118
805
4,743
324
3,449
Texas Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
Community National Bank
Fayetteville Bank
First National Bank of Weatherford
First State Bank
Bank and Trust of Bryan/College Station
Citizens State Bank
Third Coast Bank, SSB
Pilgrim Bank
Wellington State Bank
R Bank
United Bank of El Paso del Norte
Benchmark Bank
FirstCapital Bank of Texas, N.A.
Spirit of Texas Bank, SSB
Heritage Bank
Inwood National Bank
Liberty Capital Bank
LegacyTexas Bank
Texas Bank
Community Bank
State Bank of Texas
Lamesa National Bank
Mills County State Bank
Guaranty Bank & Trust, N.A.
Peoples Bank
First National Bank of Bosque County
Extraco Banks, National Association
Tejas Bank
Union State Bank
Texas National Bank of Jacksonville
WestStar Bank
Capital Bank, SSB
First State Bank of Brownsboro
Roscoe State Bank
Blanco National Bank
Veritex Community Bank
Austin County State Bank
Citizens Bank
Stockmens National Bank in Cotulla
Alliance Bank
American Bank of Commerce
Citizens Bank, National Association
Panola National Bank
First National Bank of Trinity
Texas Bank Financial
Texas First Bank
Cowboy Bank of Texas
Midland
Fayetteville
Weatherford
Mesquite
Bryan
Roma
Humble
Pittsburg
Wellington
Round Rock
El Paso
Plano
Midland
College Station
Pearland
Dallas
Addison
Plano
LTXB
Henderson
Longview
Houston
Lamesa
Goldthwaite
Mount Pleasant GNTY
Lubbock
Valley Mills
Temple
Monahans
Florence
Jacksonville
El Paso
El Paso
Brownsboro
Roscoe
Blanco
Dallas
VBTX
Bellville
Amarillo
Cotulla
Sulphur Springs
Wolfforth
Abilene
Carthage
Trinity
Weatherford
Texas City
Maypearl
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
22.4
1.7
3.6
28.0
0.6
8.8
7.3
5.1
4.6
3.3
10.2
13.4
3.5
4.7
8.1
0.3
12.1
7.4
9.1
8.8
2.0
16.1
7.2
4.2
4.3
3.5
1.0
18.3
4.2
7.7
4.0
2.8
12.6
0.0
1.0
1.6
1.8
0.0
0.4
5.1
1.9
2.0
2.5
1.2
4.3
10.3
2.6
9.72
9.72
9.72
9.70
9.69
9.68
9.67
9.66
9.64
9.63
9.61
9.60
9.60
9.60
9.59
9.59
9.59
9.58
9.58
9.57
9.57
9.56
9.55
9.54
9.54
9.53
9.52
9.51
9.51
9.50
9.50
9.49
9.49
9.49
9.48
9.48
9.47
9.47
9.47
9.45
9.44
9.43
9.43
9.41
9.40
9.40
9.39
Page 57
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
9.59
10.72
8.84
8.86
9.47
10.01
9.42
9.68
10.40
9.44
9.68
8.95
9.59
9.20
8.94
9.28
9.24
9.06
10.32
9.23
9.73
10.09
10.04
8.89
9.50
9.47
9.58
9.80
9.56
9.12
9.34
9.60
9.55
10.90
9.92
9.04
9.59
9.46
9.51
9.39
9.53
9.69
9.62
9.30
9.11
9.22
9.48
1,080,518
430,974
217,897
178,267
498,383
84,496
424,554
570,478
351,868
393,991
216,535
527,637
986,639
861,886
225,312
2,276,422
198,625
7,564,650
344,441
223,981
160,169
294,901
301,249
1,792,866
401,604
120,015
1,365,633
130,117
471,637
478,011
1,238,306
355,525
103,274
153,501
182,882
1,130,218
133,629
148,050
100,775
681,401
779,094
105,152
127,061
58,213
181,401
977,086
70,078
-8.2%
9.4%
8.0%
2.9%
12.4%
0.3%
14.2%
-7.6%
39.4%
28.6%
2.3%
10.3%
1.8%
12.0%
15.7%
19.0%
19.4%
16.2%
-1.6%
1.9%
-3.4%
-7.1%
4.2%
19.9%
12.1%
5.9%
0.8%
-17.7%
-5.2%
10.8%
13.5%
19.3%
3.7%
-5.1%
5.5%
39.8%
7.6%
-4.5%
-23.8%
4.3%
6.9%
0.4%
-4.3%
3.3%
40.6%
4.7%
15.8%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
962,451
381,564
195,739
161,550
438,858
70,952
375,628
474,376
310,182
341,366
175,907
438,446
784,917
674,942
186,968
1,989,614
173,697
5,343,169
278,765
193,250
144,015
264,653
268,135
1,532,181
359,186
107,821
1,060,619
115,035
413,155
400,936
1,114,185
284,372
90,811
136,515
164,178
960,396
117,033
129,294
91,073
596,443
685,191
78,551
114,305
52,628
158,930
879,947
63,372
0.0%
0.0%
1.1%
0.0%
0.1%
0.0%
1.3%
0.0%
0.0%
0.0%
0.0%
2.4%
24.1%
0.0%
0.0%
1.9%
0.0%
7.2%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.1%
0.0%
2.2%
0.0%
6.0%
4.0%
0.0%
0.0%
0.0%
0.0%
0.0%
13.2%
2.9%
0.0%
0.0%
1.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
7.5%
0.56
0.98
1.64
-0.18
1.35
1.07
0.70
0.97
1.10
0.49
1.02
1.10
0.81
0.78
0.89
1.93
1.52
1.19
1.00
2.05
0.45
1.09
1.01
0.75
1.04
0.77
0.96
2.00
0.71
1.27
2.12
0.35
0.92
0.96
1.00
1.08
1.48
1.82
0.95
1.03
0.75
1.98
0.90
1.13
2.86
1.31
2.46
NIM LTM Net
(FTE) Income
(%)
($000)
3.49
3.50
4.94
1.95
4.01
5.08
4.58
3.35
3.98
3.72
4.65
4.81
4.06
4.47
4.65
3.55
3.31
4.08
4.56
3.59
2.78
2.48
3.68
3.52
4.39
3.10
3.49
4.42
2.90
4.17
4.13
3.39
3.88
4.02
4.59
3.87
4.39
4.44
1.87
3.06
3.71
4.45
3.24
3.69
5.43
4.07
4.72
6,175
3,973
3,425
-314
6,326
898
2,837
5,766
3,028
1,692
2,171
5,307
7,915
6,453
1,865
40,747
2,755
79,691
3,469
4,474
781
3,388
2,940
12,091
4,048
893
13,129
2,605
3,384
5,722
23,567
1,193
914
1,494
1,795
10,527
1,893
2,638
1,027
6,785
5,637
2,105
1,164
654
4,448
12,346
1,625
Texas Banks, Texas Ratio <75%
Bank
City
NexBank SSB
First National Bank of Paducah
Alliance Bank Central Texas
First National Bank of Ballinger
Green Bank, National Association
State National Bank of Big Spring
Guadalupe National Bank
Texas National Bank
Community Bank of Snyder
Jacksboro National Bank
Hondo National Bank
City National Bank of Colorado City
Lakeside National Bank
Texas Bank and Trust Company
Ennis State Bank
Texas Community Bank
Interstate Bank, SSB
First State Bank
Liberty Bank
City Bank
Arrowhead Bank
Icon Bank of Texas, National Association
First National Bank of Evant
Texas Citizens Bank, National Association
Crowell State Bank
Texas National Bank
Capital Bank
Pointbank
First Bank Texas, SSB
Texas Heritage Bank
Texan Bank, National Association
FirstBank Southwest
First National Bank of Central Texas
Community National Bank
Karnes County National Bank of Karnes City
First National Bank of Beeville
Farmers State Bank
HomeBank Texas
USAA Federal Savings Bank
First State Bank
Fayette Savings Bank, SSB
First National Bank of Burleson
State National Bank of Groom
Vantage Bank Texas
Crockett National Bank
First National Bank of Lake Jackson
Citizens National Bank
Dallas
Paducah
Waco
Ballinger
Houston
Big Spring
Kerrville
Mercedes
Snyder
Jacksboro
Hondo
Colorado City
Rockwall
Longview
Ennis
Laredo
Perryton
Graham
Hurst
Lubbock
Llano
Houston
Evant
Pasadena
Crowell
Sweetwater
Houston
Pilot Point
Baird
Boerne
Houston
Amarillo
Waco
Hondo
Karnes City
Beeville
Groesbeck
Seagoville
San Antonio
Gainesville
La Grange
Burleson
Groom
San Antonio
San Antonio
Lake Jackson
Crockett
Top
Level
Ticker
GNBC
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
1.3
10.6
11.1
2.7
30.1
1.3
0.3
9.7
1.5
7.5
1.4
1.5
17.4
7.4
16.2
2.1
14.9
2.2
8.5
8.8
1.2
9.9
8.0
12.5
5.1
0.3
6.6
2.4
17.2
20.3
11.6
2.4
3.1
4.0
2.3
6.0
1.3
12.0
9.1
2.2
1.2
0.1
43.4
7.4
5.0
0.0
2.1
9.39
9.38
9.37
9.37
9.37
9.37
9.35
9.35
9.34
9.33
9.32
9.30
9.30
9.30
9.29
9.29
9.28
9.27
9.25
9.24
9.23
9.22
9.21
9.21
9.20
9.19
9.18
9.18
9.16
9.15
9.14
9.13
9.12
9.11
9.11
9.10
9.08
9.07
9.07
9.04
9.03
9.03
9.02
9.02
9.01
8.97
8.96
Page 58
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
8.32
9.23
9.11
9.65
9.08
9.76
9.39
8.93
9.62
10.20
9.95
9.17
9.21
8.92
9.49
9.31
10.02
9.39
8.74
9.36
9.20
8.91
9.08
9.20
9.39
9.60
9.11
9.88
8.23
9.03
9.55
9.27
9.21
9.41
9.24
9.02
9.65
8.61
8.13
8.38
9.11
8.78
8.92
9.34
8.30
11.08
9.58
2,983,616
45,564
206,751
149,924
3,831,985
321,061
128,627
202,830
117,544
252,424
235,228
124,985
62,270
2,263,060
174,396
1,197,282
175,953
146,481
433,568
2,544,627
165,779
744,612
76,503
382,127
36,666
134,659
353,963
475,817
421,178
130,517
203,648
941,009
754,669
194,765
373,313
321,626
132,638
147,990
75,057,788
1,004,582
101,880
188,303
38,993
475,457
619,593
252,220
98,475
44.0%
0.0%
11.1%
1.8%
70.7%
-5.7%
3.8%
42.7%
-14.9%
-2.8%
-12.9%
-6.3%
2.6%
13.1%
17.2%
-3.6%
-7.3%
-0.2%
7.1%
6.4%
4.7%
12.1%
2.6%
8.7%
2.6%
-1.2%
8.9%
9.4%
2.7%
4.7%
13.9%
-6.1%
-2.3%
-0.7%
-1.7%
-1.5%
-1.6%
18.5%
6.9%
2.7%
2.5%
3.0%
3.7%
11.5%
13.3%
6.5%
2.7%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
2,077,104
41,321
175,480
134,096
3,060,365
289,323
116,288
163,508
105,440
225,565
210,892
113,446
56,475
2,031,411
148,046
1,062,039
154,369
116,584
381,544
2,163,563
150,382
567,785
69,433
331,070
32,833
120,731
308,493
424,831
370,111
110,899
182,359
838,593
670,963
172,295
336,677
280,149
114,772
134,148
67,257,795
899,668
91,955
171,376
35,477
426,106
476,681
224,019
86,929
2.5%
10.6%
0.0%
0.0%
4.6%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
2.5%
0.0%
5.0%
0.6%
7.5%
0.7%
6.5%
0.0%
0.0%
0.0%
6.2%
0.0%
0.0%
1.8%
0.5%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
11.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
2.32
-0.02
0.46
1.18
0.51
0.48
1.23
0.98
0.22
1.20
1.31
1.37
0.55
1.10
1.27
0.82
1.21
1.57
0.78
1.12
0.54
0.97
1.95
0.35
1.70
0.73
1.03
1.10
0.73
1.38
0.17
1.09
1.85
0.76
1.14
1.04
1.23
1.01
0.96
1.16
1.30
1.14
0.31
1.10
2.49
1.14
0.48
NIM LTM Net
(FTE) Income
(%)
($000)
3.00
3.02
3.48
4.23
3.95
1.93
4.05
5.50
2.87
3.79
3.78
3.25
3.18
3.51
4.61
2.91
3.75
3.89
3.98
3.87
3.07
5.27
4.39
5.08
4.09
2.94
4.51
4.01
5.02
4.20
3.69
2.96
3.72
3.81
3.04
3.80
4.05
4.05
4.60
3.53
3.62
3.45
4.36
3.86
3.85
2.33
3.44
55,130
-8
891
1,797
15,364
1,524
1,516
1,672
287
3,083
3,177
1,746
338
23,416
2,125
10,003
2,239
2,273
3,169
27,413
875
6,820
1,454
1,298
613
960
3,485
4,907
3,090
1,712
347
10,392
14,367
1,464
4,239
3,266
1,639
1,322
663,155
11,521
1,334
2,108
114
5,076
14,375
2,843
465
Texas Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
Texas Capital Bank, National Association
First Bank & Trust East Texas
Morris County National Bank
Rio Bank
Bank of San Antonio
Fannin Bank
First National Bank of Anson
Classic Bank, National Association
Bridge City State Bank
First Bank of Celeste
Bank of the West
Pinnacle Bank
Citizens State Bank
Kleberg Bank, N.A.
Angelina Savings Bank, SSB
First Financial Bank, National Association
First State Bank
Castroville State Bank
West Texas National Bank
TIB-The Independent BankersBank
Bank and Trust, SSB
Greater State Bank
Peoples State Bank
AimBank
Commercial National Bank of Texarkana
Texas Regional Bank
First National Bank of Fort Stockton
First National Bank of Tom Bean
First-Lockhart National Bank
American State Bank
First State Bank
Texas State Bank
Texas Champion Bank
Central National Bank
Chasewood Bank
Commercial State Bank
Southwest Bank
Bank of South Texas
Brady National Bank
First Texas Bank
State National Bank in West
Texas Advantage Community Bank, National Association
American Bank, National Association
Independent Bank
First Community Bank, National Association
Unity National Bank of Houston
First National Bank of McGregor
Dallas
TCBI
Diboll
Naples
McAllen
San Antonio
Bonham
Anson
Cameron
Bridge City
Celeste
Grapevine
Keene
Miles
Kingsville
Lufkin
Abilene
FFIN
Spearman
Castroville
Midland
Farmers Branch
Del Rio
Falfurrias
Shepherd
Littlefield
Texarkana
Harlingen
Fort Stockton
Tom Bean
Lockhart
Arp
Louise
Lufkin
Corpus Christi
Waco
Houston
Palmer
Odessa
Pharr
Brady
Georgetown
West
Alvin
Corpus Christi
McKinney
IBTX
San Benito
Houston
McGregor
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
10.7
7.2
7.4
9.8
0.0
10.3
5.6
17.4
7.6
4.0
11.1
9.5
0.2
2.7
7.0
4.5
5.9
0.8
10.1
0.2
0.9
20.6
0.6
9.9
4.3
9.7
5.9
8.5
1.7
7.3
1.0
38.5
48.8
0.3
18.4
16.8
9.6
9.4
1.6
3.0
7.0
0.6
12.0
6.5
4.7
45.5
0.2
8.93
8.92
8.92
8.91
8.89
8.89
8.88
8.86
8.85
8.84
8.83
8.81
8.80
8.80
8.79
8.78
8.77
8.76
8.75
8.74
8.70
8.70
8.70
8.69
8.68
8.67
8.66
8.66
8.66
8.65
8.65
8.65
8.64
8.61
8.60
8.59
8.59
8.58
8.58
8.58
8.58
8.57
8.56
8.55
8.53
8.53
8.52
Page 59
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
7.66
9.34
9.75
8.73
8.74
8.55
9.18
9.34
8.98
8.84
8.81
8.77
8.34
9.21
8.76
9.48
7.44
9.27
9.38
8.76
9.17
8.66
8.58
8.62
8.60
8.37
8.95
7.74
8.82
8.88
8.83
8.84
8.67
8.54
8.51
8.91
8.88
8.55
8.71
8.52
8.61
8.60
9.37
8.41
8.65
7.64
8.17
20,205,115
969,567
97,251
286,289
563,526
90,191
60,268
300,995
190,876
43,074
416,667
740,913
123,342
502,292
63,709
6,503,755
128,209
142,104
1,148,079
2,681,423
439,616
68,789
116,544
829,349
201,496
596,030
103,343
80,328
224,396
274,963
365,578
115,891
381,606
782,634
103,052
71,782
329,539
110,115
115,795
602,823
69,562
107,397
1,267,784
5,259,773
338,302
84,003
210,228
16.7%
3.6%
2.7%
7.8%
12.4%
7.3%
0.3%
5.8%
7.5%
1.4%
6.0%
13.2%
24.2%
1.2%
1.7%
8.3%
-3.9%
2.2%
8.3%
17.1%
0.9%
4.9%
0.2%
2.5%
4.6%
32.5%
23.8%
17.6%
9.8%
-5.1%
3.8%
-0.3%
-10.9%
4.0%
-2.0%
-5.5%
-1.9%
17.2%
5.6%
9.0%
-2.8%
-2.2%
-1.1%
23.6%
5.2%
2.5%
36.5%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
16,353,064
869,976
86,285
256,070
481,771
81,842
54,597
269,520
173,163
39,152
378,297
645,411
112,892
392,376
57,883
5,152,896
114,746
128,575
1,028,509
2,098,874
374,471
60,698
106,151
742,131
184,004
530,690
92,698
73,643
198,891
238,676
331,290
104,910
293,585
676,872
94,128
64,383
288,618
90,176
105,512
548,175
63,502
98,077
1,147,404
4,174,877
306,787
76,409
191,878
8.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.2%
0.0%
0.0%
0.0%
14.9%
0.0%
0.0%
0.0%
6.8%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.2%
0.0%
5.2%
0.6%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.2%
0.0%
12.0%
0.0%
4.3%
26.7%
0.75
1.26
1.18
1.03
0.89
1.18
0.55
1.07
0.88
0.85
0.95
1.81
2.79
0.96
0.49
1.56
0.95
0.88
1.19
0.80
1.36
-0.46
0.79
1.33
1.35
0.50
0.48
1.14
1.21
0.33
1.60
0.25
-0.14
1.69
-0.13
0.96
1.38
0.68
0.86
0.66
0.15
0.26
1.14
1.07
0.92
0.14
1.23
NIM LTM Net
(FTE) Income
(%)
($000)
3.13
4.03
4.37
5.07
3.57
4.73
4.26
4.04
3.26
3.90
4.48
3.97
5.42
3.74
3.51
4.18
3.03
3.25
3.42
1.68
3.59
5.13
3.41
3.88
3.50
4.09
3.74
4.18
3.90
3.71
4.70
4.54
4.37
3.56
2.74
4.26
4.31
5.96
2.97
2.46
2.25
3.39
3.75
4.26
4.75
4.08
4.96
141,494
11,906
1,142
2,794
4,772
1,012
329
3,071
1,623
359
3,904
12,210
3,095
4,758
315
98,384
1,247
1,212
12,962
19,960
5,899
-306
869
10,770
2,768
2,595
492
799
2,618
915
5,832
294
-558
12,837
-137
703
4,580
694
969
3,838
105
289
14,677
49,929
3,074
115
2,322
Texas Banks, Texas Ratio <75%
Bank
City
Lovelady State Bank
Jefferson Bank
Texana Bank, National Association
Woodforest National Bank
Citizens State Bank
Community Bank
First National Bank of Lipan
Security State Bank
Central Bank
Business Bank of Texas, N.A.
Falls City National Bank
Grand Bank of Texas
POINTWEST Bank
First State Bank
Commercial Bank
First State Bank
American National Bank of Texas
Southside Bank
Farmers State Bank of Newcastle
Fort Hood National Bank
Brush Country Bank
Peoples Bank
National Bank of Texas at Fort Worth
Horizon Bank, SSB
Security Bank
Bank of Brenham, National Association
Citizens State Bank
First National Bank of Edgewood
First National Bank of Shiner
First National Bank of Woodsboro
Frost Bank
First National Bank Texas
First State Bank of San Diego
First Bank and Trust of Childress
First Command Bank
First Commercial Bank, National Association
Atascosa National Bank
Pecos County State Bank
Texas First State Bank
First National Bank of Sterling City
Pegasus Bank
Citizens National Bank
Muleshoe State Bank
Community National Bank & Trust of Texas
First State Bank
First National Bank of Mertzon
Prosperity Bank
Lovelady
San Antonio
Linden
The Woodlands
Anton
Bridgeport
Lipan
Winters
Houston
Austin
Falls City
Grand Prairie
West
Clute
Mason
Junction
Terrell
Tyler
Newcastle
Fort Hood
Freer
Paris
Fort Worth
Austin
Midland
Brenham
Waco
Edgewood
Shiner
Woodsboro
San Antonio
Killeen
San Diego
Childress
Fort Worth
Seguin
Pleasanton
Fort Stockton
Riesel
Sterling City
Dallas
Henderson
Muleshoe
Corsicana
Abilene
Mertzon
El Campo
Top
Level
Ticker
CBSI
SBSI
CFR
PB
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
12.9
5.6
12.2
6.1
0.0
0.6
4.8
1.3
0.1
0.0
15.3
5.7
0.3
7.1
0.0
0.3
2.5
5.3
2.2
0.0
3.9
3.6
0.6
1.5
13.9
2.0
9.4
0.0
0.0
5.3
7.5
1.9
1.3
50.2
2.6
0.0
0.0
11.3
3.0
0.8
0.0
6.6
5.5
12.5
59.1
2.7
3.7
8.52
8.51
8.51
8.51
8.50
8.50
8.47
8.46
8.41
8.39
8.36
8.36
8.34
8.33
8.31
8.30
8.28
8.27
8.24
8.20
8.19
8.18
8.16
8.15
8.14
8.13
8.10
8.07
8.07
8.05
7.98
7.97
7.90
7.89
7.82
7.80
7.68
7.61
7.60
7.57
7.47
7.42
7.31
7.29
7.26
7.25
7.23
Page 60
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,375
494
74
96
1,253
322
297
918
1,531
742
2,220
9,629
776
3,598
273
2,409
156,507
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
8.57
8.02
8.76
8.23
8.61
8.49
8.41
8.84
8.29
8.59
8.52
7.89
8.32
8.43
8.61
8.93
8.57
8.31
8.53
8.16
8.04
8.72
8.29
7.51
8.38
7.99
7.63
8.25
9.48
8.73
8.48
8.15
7.75
7.94
7.31
7.77
7.60
8.03
7.62
7.59
7.53
7.54
7.84
7.63
7.32
7.02
7.22
49,515
1,624,654
148,270
4,912,925
33,176
73,918
21,248
53,587
583,499
121,459
347,451
276,253
101,485
170,529
41,065
49,272
2,606,488
5,014,565
44,668
251,656
44,365
137,363
210,292
712,203
846,359
239,097
171,053
24,465
648,355
65,788
28,467,954
1,612,951
75,126
90,846
744,589
163,486
93,381
232,907
387,806
170,490
416,969
1,695,427
109,474
508,801
37,490
329,614
21,964,368
-0.4%
9.1%
-2.2%
6.2%
-5.1%
2.8%
9.1%
-8.0%
8.3%
-0.6%
-2.2%
24.7%
1.6%
-3.5%
2.6%
-2.6%
4.7%
6.2%
-1.5%
4.3%
-2.4%
16.9%
3.5%
19.4%
-10.6%
81.3%
11.4%
18.6%
17.2%
4.7%
1.0%
14.8%
-9.5%
4.8%
3.0%
5.4%
-9.2%
7.6%
-0.5%
0.1%
14.7%
3.8%
-1.3%
-4.4%
-10.3%
-3.5%
1.7%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
45,221
1,342,263
113,528
4,426,761
30,118
67,590
19,444
48,550
492,913
105,950
316,885
253,302
86,762
155,167
35,956
44,529
2,331,028
3,623,518
40,671
224,528
40,127
88,329
192,388
615,133
740,238
209,243
132,456
22,376
580,692
60,029
24,253,057
1,424,636
69,244
83,452
659,925
149,755
86,129
213,032
356,914
157,141
384,594
1,520,997
99,778
455,897
34,113
306,250
17,899,090
0.0%
0.0%
12.6%
0.0%
0.0%
0.0%
0.0%
0.0%
4.0%
21.7%
0.0%
1.0%
0.0%
0.0%
0.0%
0.0%
0.7%
2.5%
0.0%
0.0%
0.0%
0.9%
0.0%
5.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.8%
0.71
1.39
-0.73
1.78
0.57
0.36
0.41
0.89
1.44
-1.81
1.44
0.71
0.85
0.73
0.99
0.89
0.88
1.04
0.99
0.72
0.67
1.19
0.69
1.50
0.70
0.76
0.84
0.20
1.09
0.44
1.00
0.99
1.08
0.91
1.57
0.84
0.25
1.10
0.47
0.71
0.72
0.70
0.58
1.23
0.25
0.51
1.33
NIM LTM Net
(FTE) Income
(%)
($000)
3.57
3.53
4.86
2.79
3.04
3.49
2.99
3.12
5.03
3.25
3.70
4.88
2.93
3.21
4.11
3.74
3.57
3.41
3.60
2.31
4.09
3.83
3.12
4.76
4.89
3.58
4.46
2.93
3.55
3.11
3.33
3.04
3.12
3.30
2.79
4.30
1.48
3.73
2.78
2.61
3.10
3.40
3.59
4.65
2.89
1.90
3.35
353
21,432
-1,079
80,878
191
266
83
499
8,099
-2,248
4,994
1,758
873
1,232
392
436
22,801
51,222
441
1,626
300
1,515
1,439
9,290
6,200
1,311
1,269
47
6,335
276
279,307
14,310
790
812
10,819
1,311
234
2,450
1,757
1,129
2,796
11,495
659
6,478
100
1,581
289,416
Texas Banks, Texas Ratio <75%
Bank
City
Tolleson Private Bank
First Security State Bank
First State Bank of Uvalde
Charter Bank
Citizens State Bank
First Bank & Trust Company
Dallas
Cranfills Gap
Uvalde
Corpus Christi
Ganado
Dawson
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(to 8%)
(%)
(%)
0.2
4.0
1.2
8.6
0.0
18.2
7.18
7.13
6.93
6.54
6.42
6.40
Page 61
4,624
977
15,745
3,963
989
625
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
7.09
7.18
7.50
8.98
6.33
6.56
571,399
113,129
1,513,052
270,502
62,254
38,680
7.0%
-1.8%
7.4%
0.0%
-2.0%
-1.4%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
529,872
103,674
1,388,410
232,317
58,043
36,092
0.2%
0.0%
0.0%
0.0%
0.0%
0.0%
1.47
0.91
1.06
2.90
-0.11
-0.25
NIM LTM Net
(FTE) Income
(%)
($000)
2.48
3.10
2.28
6.80
2.11
3.16
7,986
1,031
14,989
7,857
-70
-99
Texas Banks, Texas Ratio >75%
Bank
None
SNL
Instituti
on Key City
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
0
Page 62
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
LTM
Brokered ROAA
(%)
(%)
NIM LTM Net
(FTE) Income
(%)
($000)
Virginia Banks, Texas Ratio <75%
Bank
City
Grundy National Bank
Farmers & Merchants Bank of Craig County
Powell Valley National Bank
Bank of Southside Virginia
National Bank of Blacksburg
Lee Bank and Trust Company
Martinsville First Savings Bank
Bank of Charlotte County
Virginia Bank and Trust Company
Citizens Bank and Trust Company
Farmers and Miners Bank
Citizens National Bank
Bank of Hampton Roads
Community Capital Bank of Virginia
Farmers Bank of Appomattox
Community Bankers' Bank
Burke & Herbert Bank & Trust Company
Freedom Bank of Virginia
Blue Grass Valley Bank
Farmers & Merchants Bank
First and Citizens Bank
First Bank and Trust Company
New Horizon Bank, National Association
John Marshall Bank
Highlands Community Bank
American National Bank and Trust Company
Bank of Clarke County
Benchmark Community Bank
Bank of Marion
Bank of McKenney
Farmers Bank
Monarch Bank
CornerStone Bank, National Association
WashingtonFirst Bank
Frontier Community Bank
HomeTown Bank
Blue Ridge Bank
Pioneer Bank
Sonabank
Grundy
New Castle
Jonesville
Carson
Blacksburg
Pennington Gap
Martinsville
Phenix
Danville
Blackstone
Pennington Gap
Windsor
Virginia Beach
Christiansburg
Appomattox
Midlothian
Alexandria
Fairfax
Blue Grass
Timberville
Monterey
Lebanon
Powhatan
Reston
Covington
Danville
Berryville
Kenbridge
Marion
McKenney
Windsor
Chesapeake
Lexington
Reston
Waynesboro
Roanoke
Luray
Stanley
McLean
Top
Level
Ticker
BSSC
NKSH
VABB
CZBT
HMPR
FBPA
BHRB
FDVA
FMBM
JMSB
AMNB
EFSI
BMBN
BOMK
FBVA
MNRK
WFBI
HMTA
BRBS
PNBI
SONA
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
32.1
3.4
7.8
8.1
9.8
18.5
43.4
5.6
15.0
17.2
7.1
3.9
21.2
6.1
3.5
4.6
9.8
2.3
51.9
16.7
15.3
9.9
18.8
5.6
8.2
4.7
14.3
8.1
13.1
26.3
18.3
2.0
15.7
6.7
2.0
17.6
1.2
36.2
9.9
21.46
18.74
16.53
16.15
15.06
14.79
14.55
13.80
13.69
13.19
12.99
12.79
12.69
12.67
12.57
12.45
12.17
12.12
12.09
11.98
11.90
11.87
11.81
11.80
11.55
11.50
11.49
11.46
11.43
11.31
11.28
11.26
11.18
11.13
10.94
10.86
10.79
10.72
10.71
Page 63
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
21.13
18.81
16.65
16.65
14.32
13.44
14.69
14.20
12.75
13.00
13.01
13.07
15.43
12.53
12.46
12.05
12.39
11.61
12.04
11.65
11.96
11.77
12.05
11.71
12.37
11.36
11.50
11.48
11.81
11.39
12.14
10.66
10.62
10.82
10.83
10.76
10.78
10.61
10.10
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
330,300
55,879
268,153
543,932
1,205,779
158,683
42,393
131,879
188,473
348,438
136,006
53,803
2,047,013
109,050
227,730
145,981
2,706,368
425,134
37,980
687,870
125,323
1,495,611
63,133
941,245
134,659
1,580,264
659,763
535,440
355,807
221,718
414,882
1,212,196
127,401
1,755,481
103,438
493,322
269,717
186,359
1,083,833
2.8%
1.3%
-0.6%
-2.1%
3.7%
2.6%
-0.8%
0.8%
3.6%
2.1%
-1.2%
-3.4%
22.5%
31.4%
4.3%
2.7%
1.5%
20.2%
-1.5%
6.6%
-2.2%
7.7%
11.1%
13.3%
1.6%
2.8%
7.7%
8.6%
-1.2%
0.9%
-2.1%
2.9%
12.2%
22.2%
11.3%
12.8%
10.6%
8.7%
15.7%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
259,817
45,183
220,011
446,262
1,018,829
135,391
36,090
107,795
162,168
293,071
117,782
46,633
1,696,561
88,694
196,473
116,372
2,225,778
365,263
33,237
497,441
109,733
1,243,674
55,359
738,067
116,821
1,297,645
560,633
469,808
306,032
193,718
334,862
1,064,265
113,658
1,423,592
89,507
414,665
212,943
150,216
859,182
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.1%
2.9%
36.8%
0.0%
23.8%
1.5%
19.4%
0.0%
2.9%
0.0%
9.4%
3.1%
11.4%
0.0%
2.4%
4.1%
0.5%
0.0%
0.6%
1.5%
19.8%
0.0%
2.9%
0.5%
7.2%
5.0%
4.7%
9.7%
0.86
1.05
1.05
1.27
1.38
0.25
0.68
1.04
0.98
1.07
0.76
0.38
5.27
0.50
1.03
0.50
1.15
0.51
0.68
1.30
0.64
1.40
0.55
0.82
1.19
1.08
0.90
1.25
0.70
0.79
1.03
1.25
0.47
1.00
0.34
0.82
1.06
1.00
0.99
NIM LTM Net
(FTE) Income
(%)
($000)
3.63
4.02
4.16
3.60
3.78
4.49
3.09
4.44
4.07
3.68
4.32
4.45
3.97
3.29
3.90
2.48
3.76
3.89
4.27
4.37
3.47
3.95
4.78
3.90
4.12
3.73
4.08
4.64
3.66
4.63
3.72
4.29
4.27
3.73
3.20
3.79
3.69
5.16
4.02
2,797
586
2,790
6,987
16,037
385
289
1,373
1,778
3,699
1,039
208
95,975
482
2,287
704
30,409
1,978
261
8,531
802
20,103
323
7,320
1,577
16,420
5,704
6,451
2,503
1,716
4,245
14,010
564
15,541
337
3,805
2,739
1,786
9,992
Virginia Banks, Texas Ratio <75%
Bank
City
TowneBank
Chesapeake Bank
Citizens Community Bank
United Bank
Virginia Community Bank
Bank @LANTEC
Virginia Commonwealth Bank
Old Point National Bank of Phoebus
First Virginia Community Bank
Xenith Bank
Oak View National Bank
Cardinal Bank
Union Bank & Trust
First Sentinel Bank
Bank of Botetourt
Citizens and Farmers Bank
Select Bank
New Peoples Bank, Inc.
First National Bank
River Community Bank, National Association
Virginia National Bank
Essex Bank
Miners Exchange Bank
EVB
First Community Bank
Village Bank
Peoples Bank
Bank of the James
Grayson National Bank
Fauquier Bank
Bank of Fincastle
Middleburg Bank
Bank of Lancaster
Peoples Community Bank
MainStreet Bank
Old Dominion National Bank
Virginia Partners Bank
Access National Bank
Chain Bridge Bank, National Association
Portsmouth
Kilmarnock
South Hill
Vienna
Louisa
Virginia Beach
Petersburg
Hampton
Fairfax
Richmond
Warrenton
McLean
Richmond
Richlands
Buchanan
West Point
Forest
Honaker
Altavista
Martinsville
Charlottesville
Richmond
Coeburn
Tappahannock
Bluefield
Midlothian
Rose Hill
Lynchburg
Independence
Warrenton
Fincastle
Middleburg
Kilmarnock
Montross
Fairfax
North Garden
Fredericksburg
Reston
McLean
Top
Level
Ticker
TOWN
CPKF
CZYB
UBSI
VCBS
OPOF
FVCB
XBKS
OAKV
CFNL
UBSH
BORT
CFFI
NWPP
PPBN
VABK
ESXB
EVBS
FCBC
VBFC
BOTJ
GSON
FBSS
BFTL
MBRG
BAYK
PBVA
MNSB
ANCX
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
9.1
15.1
4.9
8.7
24.3
6.0
15.4
11.8
17.0
9.3
0.0
0.1
6.0
13.8
27.6
6.0
7.6
47.6
11.7
20.5
2.9
17.4
25.5
17.4
14.9
53.4
7.9
10.6
27.7
5.4
65.9
18.0
18.3
23.2
1.4
28.3
7.0
7.5
0.0
10.70
10.64
10.60
10.49
10.48
10.44
10.43
10.35
10.32
10.24
10.23
10.22
10.12
10.04
9.96
9.91
9.91
9.83
9.82
9.73
9.69
9.68
9.67
9.55
9.52
9.50
9.45
9.37
9.33
9.33
9.22
9.11
9.03
8.99
8.98
8.90
8.71
8.38
8.32
Page 64
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
10.36
11.18
10.56
10.35
10.51
11.43
10.51
10.10
10.19
10.72
10.14
10.19
9.92
9.84
9.45
10.06
9.44
9.74
9.28
9.81
9.77
9.69
9.84
9.94
9.78
9.45
9.40
9.29
9.70
9.17
9.19
9.09
8.79
8.94
8.67
9.18
8.66
8.38
7.86
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
6,365,170
688,748
186,277
7,323,390
216,128
111,581
327,378
851,716
740,904
1,020,669
183,201
4,038,244
7,819,091
188,676
345,175
1,401,218
158,728
636,156
377,290
111,866
555,407
1,159,797
109,178
1,285,435
2,447,052
420,588
120,410
525,022
319,720
602,153
218,246
1,342,502
442,263
162,832
497,809
45,634
309,487
1,216,439
469,230
9.2%
4.4%
7.9%
4.0%
0.5%
3.3%
11.1%
-3.5%
22.5%
3.2%
6.9%
18.4%
6.2%
4.6%
8.9%
3.0%
15.1%
-3.6%
0.6%
-4.7%
2.2%
2.0%
3.7%
7.6%
-4.5%
-3.5%
10.8%
7.5%
-3.8%
1.1%
-2.4%
6.6%
13.1%
1.9%
38.6%
4.1%
16.0%
13.8%
16.5%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
4,981,843
581,617
159,348
4,911,779
192,723
87,986
243,305
727,096
660,697
872,408
146,924
3,178,481
5,952,737
163,751
310,050
1,075,225
143,020
556,817
338,779
95,156
479,959
937,236
97,265
1,013,572
1,879,773
371,229
103,256
474,626
277,693
526,734
197,287
1,086,041
357,154
142,257
403,223
41,194
261,461
970,153
431,030
5.2%
9.2%
0.6%
8.9%
0.0%
0.0%
1.3%
1.0%
13.9%
13.5%
0.0%
15.2%
0.1%
0.2%
0.6%
0.3%
0.0%
2.2%
0.0%
4.0%
3.6%
6.8%
0.0%
6.0%
0.1%
0.4%
5.5%
2.5%
0.0%
3.9%
0.0%
5.4%
2.3%
3.3%
4.6%
0.0%
6.0%
21.5%
0.3%
1.07
1.13
0.51
1.20
0.85
0.19
0.72
0.38
0.92
0.43
0.47
1.25
0.97
0.95
0.77
0.99
0.74
0.53
0.79
1.25
0.80
-0.08
0.39
0.78
1.02
0.83
1.09
0.81
0.33
-0.06
-2.64
0.63
0.20
0.58
0.59
-4.91
0.33
1.48
0.61
NIM LTM Net
(FTE) Income
(%)
($000)
3.40
4.69
3.87
3.65
4.21
3.26
3.34
3.58
3.74
3.37
3.60
3.39
3.87
5.03
4.05
6.43
3.60
4.08
3.71
5.20
3.31
3.91
4.54
3.92
4.04
3.52
4.35
3.88
3.62
3.67
3.21
3.28
3.55
3.96
3.88
3.12
3.33
3.67
2.78
65,663
7,489
896
87,012
1,814
213
2,193
3,314
6,181
4,419
836
47,283
73,001
1,759
2,471
13,591
1,087
3,377
2,914
1,453
4,462
-881
426
9,686
25,273
3,489
1,256
4,125
1,097
-352
-5,813
7,949
849
937
2,619
-2,341
958
17,006
2,683
Virginia Banks, Texas Ratio <75%
Bank
City
Capital One, National Association
First Bank
TruPoint Bank
Bank of Floyd
Carter Bank & Trust
Highlands Union Bank
Bank of Virginia
McLean
Strasburg
Grundy
Floyd
Martinsville
Abingdon
Midlothian
Top
Level
Ticker
COF
FXNC
CDBK
CARE
HLND
BVA
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
13.0
10.7
17.1
0.4
53.1
34.8
15.1
8.28
8.22
8.13
7.65
7.63
7.60
7.43
0
0
0
917
18,202
2,397
2,000
Page 65
TCE/
TA
(%)
8.30
7.91
9.28
7.69
7.66
8.96
7.46
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
271,187,531
700,500
439,587
254,842
4,923,913
618,380
347,783
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
7.1% 208,821,499
32.3%
637,204
-2.2%
381,603
-8.2%
218,110
4.7%
4,480,474
1.2%
494,035
7.2%
290,827
2.2%
0.1%
0.0%
0.0%
0.0%
0.0%
22.3%
0.50
0.55
0.02
0.31
0.80
0.22
-0.13
NIM LTM Net
(FTE) Income
(%)
($000)
3.78 1,296,139
3.54
3,752
3.25
102
3.38
824
2.49
39,038
3.47
1,363
2.74
-454
Virginia Banks, Texas Ratio >75%
Bank
City
First State Bank
Danville
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
131.6
3.24
1,699
Page 66
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
3.34
34,545
-12.5%
33,280
LTM
Brokered ROAA
(%)
(%)
0.0%
-1.60
NIM LTM Net
(FTE) Income
(%)
($000)
4.58
-610
West Virginia Banks, Texas Ratio <75%
Top
Level
Ticker
Bank
City
Citizens Bank of Morgantown, Inc.
Hancock County Savings Bank, FSB
First Peoples Bank, Inc.
Bank of Monroe
Miners and Merchants Bank
Huntington Federal Savings Bank
Putnam County Bank
Clay County Bank, Inc.
First National Bank of Williamson
Mountain Valley Bank, N.A.
Pioneer Community Bank, Inc.
Grant County Bank
Northern Hancock Bank & Trust Company
Pendleton Community Bank, Inc.
Davis Trust Company
First National Bank of Peterstown
Williamstown Bank, Inc.
Bank of Mount Hope, Inc.
Bank of Romney
Clear Mountain Bank
First Century Bank, Inc.
Fayette County National Bank of Fayetteville
First Neighborhood Bank
First Bank of Charleston, Inc.
Community Bank of Parkersburg
Capon Valley Bank
Premier Bank, Inc.
BCBank, Inc.
Citizens Bank of West Virginia, Inc.
Summit Community Bank, Inc.
Pleasants County Bank
Poca Valley Bank, Inc.
Rock Branch Community Bank, Inc.
Citizens Bank of Weston, Inc.
CNB Bank, Inc.
United Bank, Inc.
Doolin Security Savings Bank, FSB
Calhoun County Bank, Inc.
Harrison County Bank
MCNB Bank and Trust Co.
First Exchange Bank
First Sentry Bank, Inc.
Morgantown
Chester
Mullens
Union
Thomas
Huntington
Hurricane
Clay
Williamson
Elkins
MTVB
Iaeger
Petersburg
HBSI
Newell
Franklin
Elkins
Peterstown
Williamstown
Mount Hope
Romney
Bruceton Mills
Bluefield
FCBS
Fayetteville
Spencer
Charleston
Parkersburg
Wardensville
HBSI
Huntington
PFBI
Philippi
Elkins
CIWV
Moorefield
SMMF
Saint Marys
Walton
Nitro
Weston
Berkeley Springs CBFC
Parkersburg
UBSI
New Martinsville
Grantsville
CHBK
Lost Creek
Welch
MKIN
Mannington
Huntington
FTSB
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
1.2
8.1
2.7
5.2
5.4
6.5
23.3
3.7
10.5
1.6
23.8
19.0
32.5
17.8
49.8
5.9
13.7
0.0
37.4
12.5
29.9
13.0
2.9
22.0
8.9
31.6
19.0
33.8
22.2
23.7
5.1
10.2
23.2
16.6
15.2
15.8
2.3
16.4
2.3
64.8
23.1
8.5
17.97
16.97
15.89
15.33
15.33
15.07
14.00
13.91
13.71
13.55
13.36
13.15
12.91
12.41
12.22
11.76
11.76
11.69
11.60
11.04
11.01
10.91
10.87
10.87
10.85
10.81
10.80
10.76
10.72
10.72
10.49
10.49
10.43
10.34
10.24
10.13
10.12
10.11
9.97
9.90
9.83
9.67
Page 67
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TCE/
TA
(%)
18.06
17.40
15.91
14.57
15.25
14.61
13.46
13.94
15.21
12.66
13.52
11.94
13.12
12.56
10.10
11.68
11.84
11.93
10.33
10.82
9.74
11.54
10.72
10.78
11.17
10.78
9.90
9.92
9.61
10.61
10.40
10.94
10.67
10.02
9.08
9.78
11.08
9.65
9.88
9.99
9.96
9.56
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
35,421
340,375
124,560
125,885
55,645
551,429
653,562
84,287
87,708
135,108
115,363
249,552
26,115
270,650
146,059
63,557
150,254
131,193
260,451
533,930
410,011
95,844
145,299
198,403
230,395
150,124
1,103,133
114,505
233,020
1,501,134
66,115
323,569
74,955
197,526
321,929
5,465,656
48,033
133,167
106,662
295,857
221,598
512,555
0.9%
-4.4%
0.1%
2.5%
1.9%
1.8%
2.9%
2.8%
-7.7%
1.2%
-2.2%
4.3%
-2.6%
2.1%
1.0%
1.7%
-1.5%
3.3%
-1.5%
4.7%
-0.5%
3.9%
-0.3%
-6.7%
-6.0%
-1.4%
25.4%
-1.5%
5.3%
3.3%
-6.7%
-0.1%
2.6%
1.4%
4.8%
2.3%
-2.5%
1.6%
2.5%
0.3%
7.7%
2.3%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
22,492
270,369
104,393
106,187
47,102
468,112
560,011
71,989
72,921
113,576
96,898
208,184
22,136
230,704
129,961
55,960
131,651
107,820
197,634
466,523
350,636
80,565
128,544
150,108
168,235
129,720
950,768
95,129
185,366
1,096,880
58,671
275,975
66,735
165,034
272,077
4,461,761
42,472
116,449
95,648
253,769
183,240
411,137
0.0%
0.0%
2.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.6%
0.0%
0.0%
0.0%
0.0%
2.5%
3.8%
0.9%
0.0%
0.0%
30.4%
0.0%
2.0%
0.1%
0.0%
1.2%
12.7%
0.0%
1.8%
14.8%
0.0%
0.0%
14.2%
0.0%
0.0%
0.0%
2.2%
0.0%
21.1%
0.89
0.68
0.51
1.02
0.49
0.62
1.01
1.10
-0.79
0.64
0.31
1.02
0.64
1.21
0.42
0.33
1.08
0.64
0.66
1.02
0.65
0.81
0.69
0.06
1.25
0.70
1.12
-0.23
0.70
1.16
0.63
0.85
0.49
0.92
0.61
1.03
-1.26
0.71
0.83
-0.03
1.65
0.98
NIM LTM Net
(FTE) Income
(%)
($000)
4.96
3.31
2.11
3.86
2.90
2.66
3.20
4.32
4.42
3.78
4.97
4.49
7.75
4.67
3.95
3.50
4.61
3.16
3.84
4.05
3.46
3.99
3.91
3.57
4.13
4.49
4.38
3.61
4.19
3.52
3.41
4.17
4.26
3.24
3.70
3.41
2.36
4.71
3.64
3.34
4.03
3.59
318
2,428
639
1,258
266
3,383
6,462
909
-713
851
362
2,479
171
3,258
588
211
1,619
862
1,724
5,322
2,686
795
987
118
2,852
1,047
10,223
-261
1,554
17,142
422
2,723
361
1,785
1,923
55,380
-619
937
864
-82
3,565
4,947
West Virginia Banks, Texas Ratio <75%
Bank
City
Progressive Bank, National Association
Cornerstone Bank, Inc.
Freedom Bank, Inc.
Bank of Charles Town
MVB Bank, Inc.
FNB Bank, Inc.
Logan Bank & Trust Company
WesBanco Bank, Inc.
Main Street Bank Corp.
Whitesville State Bank
West Union Bank
First Federal Savings and Loan Association of Ravenswood
Jefferson Security Bank
City National Bank of West Virginia
Union Bank, Inc.
Bank of Mingo
Wheeling
West Union
Belington
Charles Town
Fairmont
Romney
Logan
Wheeling
Wheeling
Whitesville
West Union
Ravenswood
Shepherdstown
Charleston
Middlebourne
Williamson
Top
Level
Ticker
FWVB
PTBS
MVBF
WSBC
JFWV
CHCO
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
8.9
1.2
53.4
23.6
11.4
32.6
8.3
6.6
20.1
16.1
3.1
0.0
34.4
14.8
3.7
29.4
9.63
9.62
9.60
9.38
9.34
9.19
9.15
8.80
8.64
8.62
8.58
8.42
8.23
8.04
7.74
6.40
Page 68
0
0
0
0
0
0
0
0
0
0
0
0
0
0
594
1,272
TCE/
TA
(%)
10.17
9.69
9.71
8.73
8.74
10.24
8.99
8.72
8.40
8.78
8.71
9.83
7.58
7.34
8.92
6.57
1-Year
Total
Change in
Assets Total Assets
($000)
(%)
347,067
173,090
156,895
356,201
1,430,295
173,852
267,322
8,553,796
383,808
105,248
163,992
16,879
284,356
3,812,796
237,051
78,048
1.9%
-2.4%
3.5%
9.6%
19.8%
2.7%
-1.4%
4.2%
10.7%
4.3%
1.3%
1.8%
-0.1%
7.8%
-0.2%
-18.4%
Total
LTM
Deposits Brokered ROAA
($000)
(%)
(%)
278,469
154,653
135,111
310,269
1,095,846
139,631
241,486
6,143,904
327,051
95,298
145,406
15,155
259,578
3,218,151
206,704
72,847
0.0%
0.0%
1.0%
4.4%
2.7%
11.1%
0.0%
6.2%
10.5%
2.3%
0.0%
0.0%
0.0%
0.2%
1.7%
0.0%
0.61
0.70
0.50
0.76
0.81
0.73
0.51
1.11
1.20
0.38
0.54
0.45
0.44
1.35
1.19
-1.20
NIM LTM Net
(FTE) Income
(%)
($000)
3.04
2.61
3.69
3.64
3.67
3.77
2.72
3.41
4.17
4.15
3.08
3.64
3.08
3.54
3.27
3.78
2,062
1,231
763
2,566
10,353
1,276
1,357
93,186
4,258
384
877
75
1,246
48,741
2,789
-1,024
West Virginia Banks, Texas Ratio >75%
Bank
City
First State Bank Barboursville
Top
Level
Ticker
Texas Leverage
Tier 1
Ratio
Ratio Shortfall
(%)
(%)
(to 8%)
268.2
5.77
5,183
TCE/
TA
(%)
Total
Assets
($000)
1-Year
Change in
Total Assets
(%)
Total
Deposits
($000)
6.49
227,766
-9.3%
207,299
Page 69
LTM
Brokered ROAA
(%)
(%)
14.6%
-1.84
NIM LTM Net
(FTE) Income
(%)
($000)
3.78
-4,418
Excluded Companies
Arkansas:
Tennessee:
Independence Trust Company
Simmons First Trust Company
Florida:
Banco Do Brasil Americas
Texas:
First Financial Trust & Asset Management Co.
Canandaigua National Trust Company of Florida
Legacy Trust Company, N.A.
Desjardins Bank, National Association
Wells Fargo Bank South Central, N.A.
MEMBERS Trust Company
Virginia:
Mercantil Commercebank N.A.
Mercantil Commercebank Trust Company, N.A.
Capital One Bank (USA), N.A.
Raymond James Trust, National Association
E*TRADE Bank
Natbank, National Association
E*TRADE Savings Bank
NatBank N.A.
HSBC Bank USA, N.A.
TCM Bank
Old Point Trust & Financial Services, N.A. Trust
Georgia:
Company of Virginia
Atlantic Trust Company, N.A.
VNBTrust, National Association
Synovus Trust Company, N.A.
West Virginia:
Kentucky:
Security National Trust Company
Unified Trust Company, National Association
North Carolina:
Cedar Hill National Bank
RBC Bank (Georgia), National Association
Excluded companies are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which
necessary data is not available as of the report date.
Page 70
Disclaimer
This material has been prepared by individual personnel of Banks Street Partners, and not by a research
department. It is not investment research or a research recommendation, as it does not constitute substantive
research or analysis. It is intended for institutional customers and accredited investors of BANKS STREET
PARTNERS, LLC only, is provided for informational purposes, is intended for your use only and does not
constitute an invitation or offer to subscribe for or purchase any of the products or services mentioned. The
information provided is not intended to provide a sufficient basis on which to make an investment decision. This
material may have previously been communicated to other BANKS STREET PARTNERS, LLC clients.
BANKS STREET PARTNERS, LLC may, from time to time, participate or invest in transactions with issuers of
securities that participate in the markets referred to herein, perform services for or solicit business from such
issuers, and/or have a position or effect transactions in the securities or derivatives thereof.
Past performance should not be taken as an indication or guarantee of future performance, and no representation
or warranty, expressed or implied is made regarding future performance. The information set forth above has
been obtained from or based upon sources believed by BANKS STREET PARTNERS, LLC and personnel to be
reliable, but each of the personnel and BANKS STREET PARTNERS, LLC does not represent or warrant its
accuracy or completeness and is not responsible for losses or damages arising out of errors, omissions or changes
in market factors. This material does not purport to contain all of the information that an interested party may
desire
fact, provides only a limited view of a particular market.
Source:and,
SNLinFinancial
All financial data is for the twelve months ended March 31, 2016
Page 71