Download pdf - South-Central U.S. Bank Financial Performance Report...First Financial Banc Corp. (S) El Dorado 1.55% 16.07% 13,331 2.45% 880,060 686,858 673,119 102.0% 82,530 2.1% 6.6% 9.4% 1.8%

South-Central U.S.

Bank Financial Performance Report

2nd Quarter 2014

Private and Confidential | 2

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Minneapolis

120 South Sixth Street, Ste. 2000

Minneapolis, MN 55402

Chicago

30 N. LaSalle, Suite 1600

Chicago, IL 60602

Great Falls

8 Third Street North

Great Falls, MT 59401

Boston

One International Place, 7th Floor

Boston, MA 02110

Seattle

701 5th Avenue, Ste. 4100

Seattle, WA 98104

Portland

2 Centerpointe Drive, Ste. 450

Lake Oswego, OR 97035

Financial Institutions Group Contacts

Denver

1600 Broadway, Ste. 1100

Denver, CO 80202

Orange County

611 Anton Boulevard, Suite 600

Costa Mesa, CA 92626

Equity Capital Markets Offices

Salt Lake City

175 S. Main Street, Ste. 850

Salt Lake City, UT 84111

2014 Q2 Bank Financial

Performance Reports

New York

260 Madison Avenue, 8th Floor

New York, NY 10016

member SIPC Baltimore

201 International Circle, Ste. 230

Hunt Valley, MD 21030

Ramsey F. Gregg

Managing Director

(714) 850-8349

[email protected]

Stephen E. Nelson

Managing Director

(312) 525-2769

[email protected]

Daren J. Shaw

Managing Director

(801) 333-3123

[email protected]

Rory A. McKinney

Co-Head of Investment Banking

(310) 500-3865

[email protected]

Mark J. Semmens

Managing Director

(406) 791-7228

[email protected]

Monte W. Giese

Co-Head of Investment Banking

(406) 268-3029

[email protected]

Thomas M. Hayes

Director

(406) 268-3084

[email protected]

Eugene B. Katz

Managing Director

(312) 525-2768

[email protected]


Source & Note Legend

Legend of data sourcing and notes used in the Bank Financial Performance Reports

• All data sourced from SNL Financial; all dollars are in thousands

• Data from top level financial information (consolidated bank holding company data, or bank-level or savings institutions level

data); from regulatory data sources (i.e. FFIEC call report or FR-Y9/FR-Y6 filings)

• All financial data as of 6/30/2014; last-twelve-month (LTM) financial data used for all relevant returns and performance ratios

where available

• Net income from net income after taxes, minority interest, extraordinary and other after-tax items (includes non-recurring

income and expense items) and before preferred dividends. Return on average assets (ROAA) and return on average equity

(ROAE) use same net income calculation

• Pre-tax pre-provision (PTPP) ROAA is defined as net interest income plus non-interest income minus non-interest expense

divided by average total assets

• Nonperforming assets is defined as nonperforming loans and leases, restructured loans and leases, and foreclosed or

repossessed assets, net of the U.S. government guaranteed portion and OREO covered by loss-sharing agreements

• “Credit / Capital” ratio is defined as nonperforming assets plus loans 90 days or more past due (net of the delinquent U.S.

government guaranteed portion and OREO covered by loss-sharing agreements) as a percent of tangible equity plus

reserves

• The “(S)” designation following the bank’s name indicates an S-Corp. The information for S-Corp net income, ROAA, and

ROAE have been adjusted to enable comparisons between C-Corp and S-Corp banks. We subtracted the S-Corp’s tax free

income from total income and then applied a 35% tax rate to arrive at a hypothetical tax liability. We then subtracted the tax

liability from the S-Corp’s net income to arrive at a C-Corp equivalent net income

• A bank’s name in italics indicates that the bank or a subsidiary is a target of an announced or pending merger


Table of Contents

Bank Financial Performance Reports (by State)

Arkansas………………………............ 6

Kansas…………………………............ 10

Missouri………………………………… 19

Oklahoma………………………… 28

Texas………………………………… 35


2014 Q2

Arkansas Financial

Performance Report

member SIPC


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio

Above 1.00% ROAA Banks

First Security Bancorp Searcy 2.26% 15.46% 102,154 2.75% 4,794,976 1,890,422 3,404,514 55.5% 713,716 10.1% 2.1% 15.0% 0.9% 5.4% 2.9% 0.0% 4.38% 0.48% 4.82% 37.9%

Heartland Bank (S) Bryant 2.23% 15.51% 4,559 3.84% 216,462 155,758 180,801 86.2% 29,810 -5.7% 10.6% 14.0% 1.7% 10.6% 2.8% 0.0% 7.06% 0.79% 7.80% 46.5%

Bank of the Ozarks, Inc. Little Rock 2.00% 15.28% 98,510 3.15% 6,297,975 4,575,654 4,983,897 91.8% 741,564 54.8% 67.0% 12.0% 1.4% 10.9% 1.0% 0.2% 5.33% 0.45% 5.78% 45.2%

Riverside Bank (S) Sparkman 1.84% 19.71% 1,049 2.87% 59,067 53,354 52,688 101.3% 5,131 3.2% 4.3% 8.7% 0.3% 4.4% 1.0% 0.0% 5.44% 1.11% 6.54% 50.4%

United Bank (S) Springdale 1.61% 9.99% 2,226 1.17% 135,562 111,225 100,935 110.2% 22,441 -0.7% -7.7% 16.6% 4.4% 24.2% 1.9% 0.2% 4.53% 0.80% 5.27% 79.2%

First Financial Banc Corp. (S) El Dorado 1.55% 16.07% 13,331 2.45% 880,060 686,858 673,119 102.0% 82,530 2.1% 6.6% 9.4% 1.8% 17.5% 1.2% 0.2% 4.14% 1.03% 5.11% 59.0%

First National Bank of Izard County Calico Rock 1.55% 4.94% 2,345 2.20% 157,160 71,945 105,912 67.9% 48,984 7.9% 7.2% 31.2% 0.5% 1.7% 0.6% 0.0% 4.47% 0.31% 4.71% 50.2%

First Arkansas BancShares, Inc. (S) Jacksonville 1.50% 11.08% 9,911 2.23% 672,433 393,909 527,042 74.7% 58,951 -3.7% -1.2% 9.3% 3.8% 36.2% 3.2% 0.6% 4.60% 0.51% 5.17% 65.2%

Bank of England England 1.47% 11.09% 3,695 2.42% 279,120 225,650 201,035 112.2% 34,280 13.5% -0.4% 12.3% 3.8% 28.2% 1.3% 0.0% 3.76% 0.63% 4.34% 89.5%

Home BancShares, Inc. Conway 1.47% 11.47% 87,079 2.60% 6,666,140 4,396,266 5,192,009 84.7% 575,515 64.7% 56.1% 9.1% 1.2% 16.8% 1.2% 0.3% 5.34% 0.33% 5.68% 48.5%

Cross County Bank Wynne 1.41% 11.86% 2,775 2.35% 203,529 159,617 168,343 94.8% 24,455 20.7% 10.6% 12.1% 2.5% 18.5% 1.7% 0.2% 4.69% 0.45% 5.13% 55.2%

Magnolia Banking Corporation (S) Magnolia 1.41% 13.77% 11,648 2.29% 883,275 641,120 775,809 82.6% 81,478 11.6% 15.9% 9.3% 2.0% 18.4% 2.0% 0.5% 4.16% 0.61% 4.76% 49.6%

Union Bank of Mena (S) Mena 1.40% 13.17% 2,683 2.23% 197,103 152,442 172,563 88.3% 20,801 5.2% 4.8% 10.6% 0.4% 3.4% 1.8% 0.1% 4.95% 0.33% 5.25% 60.9%

Ozark Heritage Bank, NA Mountain View 1.40% 10.84% 997 2.48% 79,786 61,471 69,653 88.3% 6,659 30.5% 20.1% 8.5% 3.3% 27.5% 2.0% 0.9% 4.96% 1.32% 6.30% 62.9%

Peoples Bank Sheridan 1.40% 9.65% 1,585 2.09% 117,629 59,552 100,174 59.5% 17,078 6.7% 6.1% 14.5% 0.1% 0.8% 1.6% 0.0% 3.78% 0.34% 4.09% 46.9%

Cornerstone Bank (S) Eureka Springs 1.38% 13.43% 2,210 2.16% 161,495 107,568 131,979 81.5% 17,502 5.8% 7.2% 10.8% 3.1% 25.4% 2.0% 0.1% 4.66% 0.54% 5.17% 59.5%

First Bank Corp Fort Smith 1.32% 8.62% 20,469 1.96% 1,584,969 987,818 1,302,728 75.8% 209,477 -3.8% 2.6% 13.4% 2.5% 18.1% 1.6% 0.1% 4.03% 0.28% 4.30% 58.7%

Petit Jean State Bank Morrilton 1.31% 11.54% 2,134 1.95% 168,403 72,723 143,275 50.8% 19,195 -2.2% 5.6% 11.4% 0.8% 6.1% 3.8% 0.8% 3.68% 0.38% 4.04% 47.4%

Farmers Bancorp Inc. (S) Blytheville 1.28% 15.88% 5,249 2.16% 409,585 354,660 368,762 96.2% 33,854 2.8% 2.2% 8.3% 2.3% 23.6% 1.5% 0.5% 4.38% 0.59% 4.95% 55.9%

Horatio State Bank Horatio 1.28% 11.83% 1,805 2.31% 144,205 104,647 128,038 81.7% 16,023 6.7% 4.3% 11.1% 0.5% 5.9% 2.0% 0.3% 4.11% 1.37% 5.35% 45.8%

Bank of Prescott Prescott 1.27% 9.85% 984 1.49% 79,160 38,423 65,745 58.4% 10,467 6.6% 3.6% 13.2% 0.8% 6.6% 1.7% 0.0% 3.87% 0.71% 4.48% 56.0%

First Paragould Bankshares, Inc. Paragould 1.25% 10.03% 9,392 2.12% 806,422 658,769 614,127 107.3% 96,819 18.5% 4.5% 12.0% 0.3% 2.7% 1.7% 0.2% 3.88% 0.85% 4.65% 53.2%

Central Bank Little Rock 1.21% 8.02% 1,164 1.29% 95,630 57,056 77,021 74.1% 15,108 3.0% 0.3% 15.8% 6.9% 36.3% 5.4% 0.0% 3.54% 0.74% 4.15% 62.9%

Community First Bancshares, Inc. Harrison 1.20% 9.64% 5,682 1.85% 472,341 344,051 363,206 94.7% 48,268 0.1% -2.5% 10.2% 6.1% 42.4% 1.9% 0.4% 4.44% 0.72% 5.14% 62.7%

Commercial Bank & Trust Co. (S) Monticello 1.18% 15.45% 2,188 1.68% 186,314 108,875 156,310 69.7% 16,179 8.8% -0.6% 8.7% 1.4% 15.0% 1.5% 0.3% 3.94% 0.52% 4.45% 58.7%

Bank of Salem Salem 1.18% 9.99% 1,533 2.23% 130,309 103,299 111,045 93.0% 15,995 -3.0% 2.8% 12.3% 3.2% 22.6% 2.7% 0.3% 5.18% 0.83% 5.97% 57.7%

DeWitt Bank and Trust Company De Witt 1.18% 9.20% 1,914 0.95% 137,263 43,550 107,595 40.5% 19,885 -8.0% -20.1% 14.7% 1.2% 9.3% 6.8% -0.7% 2.90% 0.68% 3.51% 56.8%

Parkway Bank Rogers 1.18% 9.80% 1,451 0.70% 122,667 83,860 97,618 85.9% 15,050 1.5% 1.0% 12.3% 4.3% 31.7% 1.9% 0.5% 3.94% 0.58% 4.52% 79.6%

First State Bank of DeQueen (S) De Queen 1.16% 16.66% 2,276 1.96% 201,882 142,553 176,460 80.8% 15,565 12.4% 5.1% 7.7% 0.9% 9.1% 2.3% 0.2% 4.50% 0.76% 5.23% 56.9%

Relyance Bank, NA Pine Bluff 1.15% 8.73% 5,344 1.13% 502,169 373,998 384,953 97.2% 68,512 29.5% 16.4% 13.6% 1.8% 13.3% 1.3% 0.3% 4.58% 0.31% 4.86% 78.8%

Today's Bank (S) Huntsville 1.11% 8.40% 1,113 1.83% 105,119 49,027 80,665 60.8% 14,372 16.3% 11.9% 13.7% 1.7% 11.8% 1.9% 0.1% 3.79% 0.97% 4.91% 67.0%

Bank of Delight (S) Delight 1.11% 5.04% 889 1.38% 80,712 50,954 59,487 85.7% 17,878 4.7% -12.0% 22.2% 1.4% 7.5% 1.6% 0.0% 3.49% 0.77% 4.11% 55.3%

Diamond Bank (S) Murfreesboro 1.08% 10.70% 4,789 1.42% 452,916 277,186 384,917 72.0% 48,708 6.3% 8.5% 10.8% 1.2% 10.2% 2.2% 0.2% 3.91% 0.75% 4.62% 62.5%

Bank of Rison (S) Rison 1.08% 6.58% 276 1.90% 29,335 16,366 24,936 65.6% 4,361 52.2% 23.9% 14.9% 2.9% 18.4% 1.4% 2.6% 6.25% 0.22% 6.46% 64.5%

Logan County Bank Scranton 1.08% 6.18% 811 1.31% 77,189 23,515 63,335 37.1% 13,759 4.0% 3.1% 17.8% 0.8% 8.5% 1.5% 0.1% 2.94% 0.44% 3.31% 49.4%

First National Bank at Paris (S) Paris 1.08% 7.09% 1,322 1.73% 125,762 88,179 106,499 82.8% 13,706 0.7% 5.3% 11.4% 0.4% 3.3% 2.0% 0.1% 5.16% 0.40% 5.57% 65.9%

F&M Bankshares, Inc. Stuttgart 1.07% 7.88% 7,026 1.69% 658,074 441,299 475,962 92.7% 76,329 15.6% -4.1% 11.9% 1.4% 11.2% 1.0% 0.2% 4.05% 0.38% 4.41% 56.5%

FNB of Lawrence County (S) Walnut Ridge 1.07% 10.85% 1,981 1.62% 194,858 120,697 175,120 68.9% 18,883 3.3% 9.4% 9.7% 0.5% 4.4% 1.1% 0.2% 4.03% 0.37% 4.39% 60.8%

Peoples Bank (S) Magnolia 1.06% 11.05% 1,342 1.35% 133,592 62,973 82,186 76.6% 13,388 12.9% -1.2% 10.0% 0.8% 7.3% 0.7% 0.1% 3.37% 1.62% 4.91% 59.0%

Profitability & Returns (LTM) Balance Sheet ($000s) Growth (Annual) Capital & Credit Quality Performance Ratios (LTM)

2014 Q2 Arkansas Financial Performance Report

Summary of financial performance for banks and thrifts headquartered in Arkansas as of 2014 Q2

Note: Source and Note Legend on page 4


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio

Above 1.00% ROAA Banks (Continued)

Bank of Little Rock Little Rock 1.04% 10.43% 2,051 1.45% 200,534 107,865 178,899 60.3% 20,279 5.3% 1.4% 10.1% 3.7% 32.2% 2.3% 0.3% 4.36% 0.67% 5.03% 77.3%

Bodcaw Bank Stamps 1.03% 10.66% 791 1.45% 77,310 25,003 67,021 37.3% 8,079 -0.1% 0.5% 10.5% 0.4% 5.2% 1.0% 0.3% 3.29% 1.00% 4.25% 48.2%

Smackover State Bank Smackover 1.03% 9.57% 1,963 1.37% 188,433 69,532 166,587 41.7% 21,507 -0.5% -0.8% 11.4% 1.3% 11.0% 1.3% 0.0% 2.99% 0.62% 3.56% 51.3%

Fidelity National Bank (S) West Memphis 1.02% 11.38% 3,664 1.32% 362,379 119,735 318,072 37.6% 35,927 12.1% 0.8% 9.9% 0.6% 5.3% 1.6% 0.0% 2.73% 0.39% 3.08% 54.6%

Riverbank S&LA Corning 1.00% 7.39% 435 1.78% 43,114 38,084 34,923 109.1% 2,557 2.4% -2.8% 6.0% 2.0% 14.1% 1.2% 0.3% 4.92% 0.72% 5.63% 54.9%

0.50% - 1.00% ROAA Banks

Integrity First Bank, NA Mountain Home 0.98% 7.44% 4,018 1.24% 410,741 257,778 343,571 75.0% 43,517 5.0% 3.3% 10.9% 0.2% 1.8% 1.0% 0.1% 3.65% 0.21% 3.85% 67.6%

Piggott State Bank Piggott 0.97% 9.46% 783 1.24% 80,543 28,737 70,880 40.5% 8,794 9.9% 1.6% 10.9% 0.0% 0.0% 2.2% 0.2% 3.32% 0.28% 3.57% 59.8%

First Bank Camden 0.96% 9.73% 2,744 1.70% 319,903 241,889 276,075 87.6% 30,648 24.9% 26.4% 9.6% 2.8% 26.7% 1.1% 0.6% 4.42% 0.61% 5.00% 66.5%

Anstaff Bank N.A. (S) Green Forest 0.95% 8.92% 3,793 1.38% 415,328 224,423 360,133 62.3% 43,764 1.9% 4.7% 10.6% 2.0% 18.4% 1.2% 0.1% 3.54% 0.59% 4.12% 60.5%

Bank of Star City (S) Star City 0.94% 7.33% 901 1.61% 94,366 58,492 75,796 77.2% 12,881 -1.2% -4.7% 13.7% 1.4% 9.2% 3.0% 1.0% 4.36% 0.55% 4.86% 62.3%

First Delta Bank Marked Tree 0.94% 12.83% 613 1.41% 66,271 22,904 49,703 46.1% 5,270 2.5% -9.7% 8.0% 0.5% 5.9% 2.1% 0.0% 3.33% 0.27% 3.58% 61.2%

Bank of Augusta Augusta 0.92% 9.31% 712 1.35% 79,728 47,687 69,306 68.8% 8,053 9.6% 3.6% 10.1% 0.6% 5.7% 1.1% 0.2% 4.62% 0.34% 4.94% 69.4%

First Comm. Bank of E. Arkansas Marion 0.92% 8.18% 1,299 1.49% 147,334 108,081 129,981 83.2% 16,538 16.7% 10.4% 11.2% 1.0% 8.0% 1.1% 0.0% 3.85% 0.49% 4.32% 64.0%

First State Bank Russellvil le 0.91% 7.88% 1,774 1.36% 206,247 137,023 177,087 77.4% 22,704 5.8% 7.7% 11.0% 0.4% 3.1% 2.1% 0.1% 3.77% 0.39% 4.13% 65.9%

Helena National Bank Helena 0.91% 7.31% 1,793 1.12% 190,730 94,980 163,807 58.0% 26,118 7.3% -3.7% 13.7% 0.3% 2.3% 2.6% -0.5% 3.47% 0.30% 3.74% 65.9%

First Community Bancshares, Inc. Batesville 0.88% 9.86% 7,354 1.41% 893,595 673,529 695,019 96.9% 78,616 14.0% 10.9% 8.8% 3.4% 34.1% 1.5% 0.2% 3.96% 0.87% 4.85% 65.6%

First National Bank of Wynne Wynne 0.85% 7.39% 2,427 1.17% 278,006 143,464 239,136 60.0% 26,605 3.0% 0.1% 9.8% 1.9% 18.4% 1.7% 0.0% 3.65% 0.35% 3.98% 65.1%

Arkansas County Bank (S) De Witt 0.85% 8.98% 1,468 1.39% 175,843 107,278 131,517 81.6% 17,788 2.5% 1.6% 10.1% 1.0% 9.3% 0.9% 0.2% 3.99% 0.52% 4.50% 63.7%

Community State Bank (S) Bradley 0.84% 6.40% 200 0.80% 21,200 9,289 18,389 50.5% 2,113 -40.3% -26.3% 10.3% 0.5% 5.0% 1.7% 0.0% 3.87% 0.53% 4.42% 78.9%

Eagle Bank and Trust Company Little Rock 0.84% 8.03% 3,115 1.10% 377,735 128,819 317,123 40.6% 41,383 1.3% 3.2% 11.0% 0.5% 4.4% 1.5% 0.0% 3.23% 0.55% 3.76% 62.7%

McGehee Bank (S) McGehee 0.84% 5.81% 1,008 1.17% 118,497 75,010 90,689 82.7% 17,118 1.6% -3.8% 14.5% 0.0% 0.1% 1.8% 0.0% 3.25% 0.14% 3.39% 65.4%

Citizens Bancshares of Batesville Batesville 0.83% 9.38% 4,471 1.27% 540,043 292,244 421,487 69.3% 50,759 -0.7% 1.7% 9.4% 1.3% 12.3% 2.0% 0.3% 3.66% 0.76% 4.44% 63.5%

Southern Bancorp, Inc. Arkadelphia 0.83% 9.23% 9,588 1.25% 1,149,337 778,687 903,138 86.2% 34,153 6.5% -0.3% 3.1% 1.7% 23.8% 1.1% 0.3% 4.14% 0.43% 4.60% 71.3%

FNBC Bank (S) Ash Flat 0.82% 8.33% 3,021 1.34% 366,154 225,348 270,932 83.2% 37,468 -0.2% -0.3% 10.2% 1.2% 10.9% 1.8% 0.3% 4.27% 0.36% 4.62% 70.1%

Bank of Bearden (S) Bearden 0.77% 5.49% 323 1.01% 45,615 20,140 39,618 50.8% 5,960 -3.0% 10.9% 13.1% 0.0% 0.3% 1.4% 0.0% 3.17% 0.24% 3.41% 64.4%

Legacy National Bank Springdale 0.77% 5.56% 2,076 1.27% 287,119 217,278 230,762 94.2% 38,365 7.4% 9.8% 13.4% 2.5% 21.5% 1.8% 0.2% 3.93% 0.50% 4.41% 67.5%

Priority Bank (S) Ozark 0.77% 7.97% 665 1.28% 85,346 76,188 53,855 141.5% 8,202 -5.4% -6.8% 9.6% 2.4% 20.7% 1.9% 0.2% 4.49% 2.60% 6.18% 79.7%

Warren Bank and Trust Co. (S) Warren 0.77% 5.79% 1,078 1.20% 137,200 42,721 109,580 39.0% 20,403 -11.9% -1.1% 14.9% 0.7% 4.9% 1.0% 1.1% 3.22% 0.57% 3.72% 66.1%

Arvest Bank Group, Inc. Bentonville 0.75% 8.69% 106,267 1.25% 14,727,466 8,445,693 12,476,942 67.7% 966,911 4.4% 5.4% 6.7% 2.3% 30.1% 2.1% 0.0% 2.98% 0.38% 3.37% 76.9%

Malvern National Bank (S) Malvern 0.73% 6.94% 3,338 0.83% 461,374 212,471 376,481 56.4% 49,869 8.9% -1.3% 10.8% 3.1% 25.9% 2.7% 0.2% 3.11% 0.77% 3.85% 64.5%

Bank of McCrory McCrory 0.73% 7.54% 620 0.89% 85,902 30,651 77,540 39.5% 8,296 5.6% 2.4% 9.7% 0.9% 9.9% 0.9% 0.0% 2.63% 0.20% 2.81% 63.8%

Merchants and Farmers Bank Dumas 0.71% 7.58% 743 0.82% 109,277 68,605 96,535 71.1% 11,790 9.5% 10.7% 10.8% 0.1% 1.2% 1.4% 0.0% 3.80% 0.38% 4.18% 79.3%

Security Bank Stephens 0.70% 9.49% 389 1.09% 55,147 37,212 49,420 75.3% 4,053 -3.5% -2.5% 7.4% 1.5% 17.7% 2.0% 0.5% 4.15% 1.02% 5.17% 70.5%

Bank of Cave City (S) Cave City 0.69% 7.16% 666 0.93% 98,826 56,020 82,124 68.2% 9,450 -6.7% 2.0% 9.6% 2.5% 24.7% 1.0% 0.3% 4.08% 0.76% 4.86% 76.1%

First State Bank of Warren Warren 0.67% 6.76% 673 0.83% 101,762 40,833 91,440 44.7% 10,217 -2.2% 3.1% 10.0% 0.6% 7.1% 1.3% 0.1% 3.39% 0.46% 3.83% 71.2%

Merchants & Planters Bank Newport 0.67% 8.92% 1,656 0.97% 248,326 132,393 222,108 59.6% 19,988 8.2% 3.6% 8.1% 0.8% 14.5% 0.9% 0.2% 3.29% 0.69% 3.97% 73.6%

First Service Bank (S) Greenbrier 0.64% 5.08% 1,420 1.07% 231,979 190,020 183,456 103.6% 27,727 11.6% 1.1% 12.0% 2.4% 18.5% 2.0% 0.2% 5.46% 0.35% 5.79% 81.9%


2014 Q2 Arkansas Financial Performance Report (Cont.)




Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio

0.50% - 1.00% ROAA Banks (Continued)

Merchants & Planters Bank Clarendon 0.64% 6.85% 321 0.67% 49,106 9,370 44,078 21.3% 4,889 -6.6% -0.7% 10.0% 0.6% 6.0% 1.7% 0.3% 2.81% 0.33% 3.13% 70.6%

Bank of Lake Village Lake Village 0.63% 5.90% 382 1.01% 60,614 37,694 53,900 69.9% 6,593 2.2% 2.2% 10.9% 0.2% 2.0% 1.4% -0.1% 4.03% 0.29% 4.31% 73.9%

Simmons First National Corp. Pine Bluff 0.62% 6.10% 24,979 0.96% 4,325,841 2,409,742 3,641,725 66.2% 321,539 27.4% 29.5% 7.6% 2.8% 34.7% 1.1% 0.2% 4.27% 0.36% 4.63% 81.8%

First NB of E. Arkansas (S) Forrest City 0.53% 5.34% 1,941 0.76% 371,548 139,708 333,123 41.9% 36,439 4.7% 6.8% 9.8% 0.0% 0.4% 2.1% 0.0% 2.69% 0.25% 2.93% 71.9%

FBT Bank & Mortgage (S) Fordyce 0.53% 5.66% 693 0.78% 131,030 70,044 102,804 68.1% 13,543 10.9% -0.8% 10.3% 0.8% 7.5% 1.8% 0.2% 4.23% 0.52% 4.72% 81.3%

Bank of Fayetteville Fayetteville 0.53% 4.24% 1,778 0.92% 338,011 210,815 289,008 72.9% 41,161 -7.9% 2.1% 12.2% 4.1% 31.3% 1.3% 0.1% 3.82% 0.34% 4.15% 78.2%

Farmers Bank Greenwood 0.52% 2.54% 980 0.68% 189,194 76,807 150,443 51.1% 36,875 -0.7% -0.3% 19.7% 2.1% 10.8% 1.8% 0.3% 4.06% 0.26% 4.30% 82.1%

First State Bank Crossett 0.51% 4.29% 188 0.98% 35,259 15,574 30,460 51.1% 4,472 0.0% -17.3% 12.7% 4.0% 29.4% 2.0% 0.3% 4.58% 0.44% 5.05% 80.3%

First NB of N. Arkansas (S) Berryville 0.51% 4.73% 900 0.94% 185,783 158,442 159,967 99.1% 18,847 9.9% 10.4% 10.2% 1.9% 17.6% 1.0% 0.1% 5.25% 0.43% 5.67% 82.9%

0.00% - 0.50% ROAA Banks

Capital Bank Little Rock 0.49% 5.42% 748 0.63% 154,918 49,655 97,418 51.0% 15,046 1.8% -2.4% 9.7% 5.1% 48.0% 2.6% -0.4% 2.52% 0.91% 3.39% 64.9%

Bank of Gravett (S) Gravette 0.48% 3.62% 604 0.80% 120,211 75,778 101,134 74.9% 17,885 -2.4% -6.7% 14.9% 2.0% 12.8% 1.7% 0.2% 4.04% 0.63% 4.64% 81.7%

Twin Lakes Community Bank Flippin 0.48% 4.68% 432 0.61% 92,854 76,783 79,855 96.2% 9,282 15.0% 4.4% 10.0% 2.2% 18.8% 2.0% 0.2% 4.05% 1.34% 5.32% 82.5%

First National Bank of McGehee McGehee 0.46% 4.19% 236 0.44% 52,246 18,161 45,333 40.1% 5,872 3.0% 4.9% 11.2% 2.6% 22.8% 1.4% 0.1% 2.83% 0.32% 3.13% 78.0%

First National Bank of Crossett Crossett 0.45% 4.41% 624 0.98% 140,682 59,411 124,053 47.9% 15,302 -6.6% 4.8% 10.9% 4.1% 34.2% 2.5% 0.7% 3.68% 0.27% 3.94% 79.5%

Benefit Bank (S) Fort Smith 0.45% 4.30% 846 0.69% 187,228 162,488 148,664 109.3% 19,885 10.9% -4.7% 10.6% 4.1% 33.4% 2.1% 0.0% 3.62% 0.70% 4.27% 84.2%

First State Bank Lonoke 0.41% 4.09% 1,060 0.36% 255,833 132,797 228,267 58.2% 26,278 -3.8% 4.3% 10.3% 8.8% 80.7% 1.3% 0.3% 3.35% 0.38% 3.76% 88.2%

Farmers Bank Hamburg 0.40% 3.73% 164 0.26% 42,719 10,733 37,949 28.3% 4,707 -6.8% 2.7% 11.0% 0.1% 0.7% 1.9% 0.0% 2.78% 0.43% 3.19% 91.2%

Pinnacle Bank Rogers 0.38% 3.94% 345 0.38% 90,494 44,244 73,822 59.9% 9,067 -8.7% -2.3% 10.0% 25.3% 223.3% 2.7% 0.0% 3.00% 0.90% 4.07% 85.9%

Union Bank & Trust Company Monticello 0.36% 3.97% 684 1.11% 191,242 127,192 159,951 79.5% 17,127 7.5% -9.8% 9.0% 4.1% 39.7% 2.0% 0.1% 3.69% 0.45% 4.14% 73.1%

First Western Bank Booneville 0.35% 4.22% 1,049 0.75% 312,616 255,246 283,269 90.1% 24,952 14.7% 10.8% 8.0% 2.5% 28.4% 1.0% 0.1% 4.41% 0.74% 5.16% 82.7%

Signature Bank of Arkansas Fayetteville 0.32% 2.84% 1,539 0.91% 492,776 396,211 396,133 100.0% 55,252 7.1% 3.8% 11.2% 11.5% 86.8% 2.5% 0.0% 3.98% 0.87% 4.82% 75.7%

HomeBank of Arkansas Portland 0.31% 2.89% 209 0.66% 64,855 47,589 57,261 83.1% 7,346 -7.3% -5.2% 11.3% 4.8% 36.2% 2.5% 0.2% 5.04% 0.61% 5.63% 86.8%

Chambers Bancshares, Inc. (S) Danville 0.17% 2.68% 1,306 0.37% 771,356 561,776 658,287 85.3% 42,489 1.2% -0.2% 5.6% 15.2% 202.4% 2.8% 0.3% 3.64% 0.86% 4.56% 88.1%

Below 0.00% ROAA Banks

Little River Bank (S) Lepanto -0.11% -1.20% (48) -0.14% 40,229 14,539 35,963 40.4% 4,056 1.1% -3.7% 10.1% 3.6% 33.6% 1.9% 0.9% 3.36% 0.21% 3.57% 103.5%

Bear State Financial Holdings, LLC Little Rock -0.24% -2.94% (1,828) -0.35% 1,447,956 1,020,227 1,231,442 82.9% 56,693 193.0% 178.7% 4.0% 1.2% 26.0% 1.2% 0.2% 2.42% 0.54% 2.94% 112.1%

One Bank & Trust, NA Little Rock -0.47% -11.41% (1,788) -0.34% 374,964 219,082 327,859 66.8% 16,792 -15.7% -6.0% 4.5% 7.0% 112.0% 3.0% 0.9% 2.44% 1.17% 3.63% 107.9%

Forrest City Bank, N.A. Forrest City -0.49% -5.31% (265) -0.60% 53,353 19,671 48,348 40.7% 4,835 -12.1% 7.8% 9.1% 2.9% 30.2% 1.8% 0.2% 2.78% 0.31% 3.08% 120.5%

River Town Bank Dardanelle -1.35% -12.86% (2,136) -0.51% 150,974 92,835 130,573 71.1% 16,528 -6.6% -8.1% 11.0% 4.9% 38.5% 2.8% 1.3% 3.42% 0.47% 3.88% 112.4%

Allied Bank Mulberry -2.77% -38.50% (3,880) -1.68% 122,754 76,333 113,943 67.0% 8,586 -24.4% -8.5% 7.0% 14.8% 159.3% 3.9% 0.7% 3.15% 0.82% 4.03% 148.5%

Average 0.85% 7.29% 6,094 1.29% 600,248 366,879 487,949 72.1% 56,751 6.9% 5.1% 11.1% 2.5% 23.3% 1.8% 0.2% 3.93% 0.59% 4.50% 69.5%

Median 0.91% 7.97% 1,420 1.27% 175,843 107,278 143,275 72.9% 18,847 3.3% 2.4% 10.6% 1.7% 14.5% 1.8% 0.2% 3.91% 0.52% 4.44% 65.9%




2014 Q2 Arkansas Financial Performance Report (Cont.)


2014 Q2

Kansas Financial

Performance Report

member SIPC


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


CBW Bank Weir 5.84% 47.51% 782 8.43% 12,463 2,458 9,485 25.9% 2,091 -8.8% -8.5% 16.8% 0.3% 1.5% 3.3% 0.0% 2.20% 0.17% 2.36% 50.7%

Peoples State Bank (S) Cherryvale 3.01% 10.62% 490 4.91% 16,168 12,911 11,241 114.9% 4,677 -8.3% 5.6% 28.9% 1.0% 15.0% 1.5% 0.3% 6.85% 0.60% 7.28% 40.1%

Peoples Bank Pratt 1.55% 11.11% 5,464 1.84% 362,761 203,744 300,122 67.9% 42,972 7.6% 2.1% 12.1% 2.2% 17.7% 1.9% 0.0% 3.74% 0.15% 3.88% 56.3%

First Federal S&L Bank (S) Olathe 1.51% 11.88% 1,017 2.43% 66,550 54,772 52,720 103.9% 8,585 6.4% 5.6% 12.9% 4.9% 34.7% 1.5% 0.1% 4.21% 2.35% 6.10% 41.8%

Manhattan Banking Corp. (S) Manhattan 1.50% 18.15% 16,118 2.09% 1,148,344 883,496 971,925 90.9% 94,642 10.4% 19.4% 8.2% 0.5% 5.6% 2.0% 0.1% 3.55% 0.88% 4.37% 47.0%

First NB&T Co. of Junction City (S) Junction City 1.49% 10.68% 1,626 1.59% 109,634 44,519 75,520 59.0% 11,704 9.2% 6.6% 11.0% 2.7% 23.3% 1.8% 0.1% 2.85% 1.22% 3.99% 49.9%

SJN Bank of Kansas Saint John 1.47% 12.78% 1,272 2.03% 88,602 53,676 77,607 69.2% 10,192 18.0% 8.6% 11.6% 0.3% 2.4% 1.4% 0.0% 4.32% 0.35% 4.64% 54.1%

Stockgrowers State Bank (S) Maple Hill 1.46% 10.82% 1,062 1.53% 72,372 28,886 52,682 54.8% 9,552 0.3% 0.8% 13.3% 0.5% 5.5% 2.1% 0.2% 3.34% 1.04% 4.18% 44.7%

Mid-America Bank Baldwin City 1.46% 13.13% 1,189 1.68% 92,151 79,228 75,468 105.0% 9,685 32.7% 22.1% 10.5% 0.6% 4.9% 1.7% 0.0% 4.78% 1.05% 5.69% 68.6%

Bank, The (S) Oberlin 1.45% 14.56% 4,492 2.14% 335,827 212,115 257,019 82.5% 27,603 21.5% 0.2% 8.4% 0.1% 1.5% 0.8% 0.0% 3.57% 0.23% 3.79% 37.1%

Farmers State Bank of Aliceville Westphalia 1.43% 13.40% 1,815 2.27% 127,752 105,209 113,111 93.0% 13,810 6.7% 3.1% 10.9% 0.1% 1.1% 1.1% 0.0% 3.59% 0.67% 4.22% 35.5%

Kearny County Bank (S) Lakin 1.39% 9.10% 2,588 2.30% 186,595 123,928 154,089 80.4% 28,407 13.6% -2.3% 15.4% 1.2% 7.8% 1.0% 0.0% 4.50% 0.37% 4.82% 49.5%

Bank of Tescott (S) Tescott 1.38% 11.98% 4,397 2.35% 320,633 262,168 275,707 95.1% 38,737 9.4% 3.9% 12.1% 0.5% 4.4% 2.2% 0.1% 4.20% 0.73% 4.87% 44.1%

F&M Bank of Colby Colby 1.38% 11.58% 2,142 2.11% 156,676 91,646 103,839 88.3% 19,601 10.4% 0.8% 12.6% 0.1% 0.9% 0.9% 0.5% 3.45% 0.72% 4.12% 35.3%

Citizens State Bank (S) Marysville 1.38% 13.19% 4,077 2.12% 299,411 231,727 221,756 104.5% 30,037 0.0% 2.5% 10.1% 0.6% 5.8% 1.3% 0.1% 3.43% 1.13% 4.49% 37.7%

Community National Bank (S) Seneca 1.35% 15.27% 4,311 2.34% 336,328 112,750 296,896 38.0% 30,322 8.6% 10.7% 9.0% 1.3% 14.0% 1.4% 0.1% 2.89% 0.23% 3.11% 50.5%

Solomon State Bank Solomon 1.34% 11.44% 2,822 2.50% 203,400 172,241 168,993 101.9% 25,899 0.0% 3.4% 12.7% 0.7% 4.3% 2.9% 0.3% 3.86% 0.88% 4.66% 37.3%

State Bank of Bern Bern 1.34% 10.09% 1,132 1.75% 89,422 35,529 76,116 46.7% 12,107 13.8% 13.6% 13.5% 0.7% 4.8% 1.4% 0.0% 3.36% 0.83% 4.09% 42.5%

First State Bank of Healy (S) Healy 1.31% 7.95% 1,114 2.53% 87,168 45,880 66,390 69.1% 15,221 18.8% 12.3% 17.5% 0.6% 2.9% 2.6% 0.0% 3.87% 0.81% 4.52% 32.9%

Central Bank and Trust Co. (S) Hutchinson 1.29% 15.98% 3,304 1.94% 260,057 177,909 233,683 76.1% 21,069 9.1% 3.9% 8.1% 1.7% 16.7% 2.9% -0.5% 3.83% 0.40% 4.22% 57.5%

Haviland State Bank Haviland 1.26% 10.60% 483 1.49% 38,810 22,454 32,057 70.0% 4,786 15.2% -4.5% 12.3% 1.5% 11.2% 1.8% 0.0% 4.18% 0.37% 4.52% 57.8%

Farmers and Drovers Bank Council Grove 1.24% 5.58% 2,460 1.64% 194,726 73,875 139,081 53.1% 45,326 1.9% -1.0% 23.3% 0.5% 2.2% 2.5% 0.1% 3.18% 0.26% 3.39% 47.5%

First National Bank in Fredonia (S) Fredonia 1.24% 8.84% 1,250 1.83% 104,387 29,919 88,530 33.8% 14,478 -2.9% 6.7% 13.9% 0.4% 3.4% 2.3% 0.3% 3.25% 0.56% 3.73% 47.0%

Great American Bank (S) De Soto 1.24% 7.94% 961 2.11% 78,266 60,216 60,111 100.2% 7,738 7.8% 1.0% 10.4% 0.3% 2.8% 1.9% 0.0% 6.23% 0.65% 6.89% 64.2%

Southwest National Bank (S) Wichita 1.24% 14.71% 5,362 2.27% 432,282 344,494 388,309 88.7% 38,239 3.1% -0.4% 8.9% 0.1% 1.4% 1.2% 0.4% 4.48% 0.52% 4.97% 54.4%

First State B&T Co. of Larned (S) Larned 1.23% 10.23% 1,506 1.83% 127,124 76,490 101,925 75.1% 15,372 8.6% -3.0% 12.1% 0.0% 0.0% 1.9% 0.2% 3.74% 0.24% 3.96% 54.7%

First State Bank (S) Ness City 1.23% 8.79% 814 1.40% 68,019 23,950 57,818 41.4% 9,667 8.3% 4.8% 14.2% 0.0% 2.7% 3.9% 0.0% 3.35% 0.22% 3.56% 50.3%

Peoples State Bank (S) McDonald 1.22% 13.75% 1,556 2.47% 131,515 115,356 108,165 106.7% 11,779 12.2% -2.2% 9.0% 1.8% 25.8% 1.5% 0.5% 5.27% 0.84% 6.09% 53.2%

Bennington State Bank (S) Salina 1.21% 10.96% 5,821 2.17% 506,157 367,449 404,789 90.8% 55,869 16.1% 5.0% 11.0% 0.3% 3.7% 2.0% 0.0% 3.48% 0.76% 4.17% 49.0%

Union State Bank of Everest (S) Everest 1.20% 12.30% 2,926 1.86% 252,150 192,792 213,564 90.3% 21,948 6.5% 6.5% 8.8% 2.0% 30.9% 1.9% 0.1% 4.22% 0.69% 4.86% 57.0%

Bank of Protection Protection 1.19% 12.00% 719 1.32% 63,998 32,566 54,509 59.7% 6,375 11.3% 7.4% 10.0% 0.2% 2.9% 1.4% 0.0% 3.67% 0.36% 4.02% 57.8%

Stanley Bank Overland Park 1.18% 6.40% 1,098 1.63% 96,541 63,598 79,230 80.3% 17,295 0.9% -0.3% 17.9% 5.0% 26.5% 1.5% 0.5% 3.19% 0.09% 3.27% 54.3%

F&M State Bank of Cawker City (S) Cawker City 1.16% 13.13% 190 1.83% 16,694 15,762 11,791 133.7% 1,520 8.2% -11.2% 9.1% 0.0% 2.3% 0.8% 0.0% 3.84% 1.20% 4.85% 52.9%

Farmers State Bank (S) McPherson 1.16% 13.53% 1,106 1.59% 99,416 53,352 81,091 65.8% 8,959 4.7% 8.0% 9.0% 0.0% 0.0% 1.7% 0.0% 3.96% 0.37% 4.30% 59.4%

First State Bank (S) Norton 1.15% 11.25% 3,606 1.53% 318,769 159,688 233,534 68.4% 31,653 7.2% 0.9% 10.0% 0.3% 3.7% 1.8% 0.0% 3.60% 0.73% 4.29% 51.8%

Farmers Enterprises, Inc. (S) Great Bend 1.13% 8.13% 7,694 1.10% 715,108 233,716 483,032 48.4% 101,243 -1.5% 8.4% 14.2% 2.2% 14.5% 2.7% -0.4% 2.70% 1.45% 3.85% 67.3%

First Commerce Bank (S) Marysville 1.12% 10.98% 598 1.92% 57,188 50,407 42,883 117.6% 5,396 15.9% 5.7% 9.4% 0.9% 8.6% 1.1% 0.0% 3.90% 0.67% 4.45% 53.8%

Farmers National Bank Phill ipsburg 1.12% 8.13% 1,350 1.77% 120,357 72,983 102,652 71.1% 17,303 8.1% 1.4% 14.4% 0.3% 3.3% 2.1% 0.0% 3.35% 0.50% 3.78% 51.8%

First Bank Sterling 1.12% 9.91% 1,563 1.32% 180,867 70,683 155,423 45.5% 16,143 -1.7% 59.4% 8.9% 0.1% 1.4% 3.1% -0.1% 3.34% 0.47% 3.78% 57.4%


Summary of financial performance for banks and thrifts headquartered in Kansas as of 2014 Q2


2014 Q2 Kansas Financial Performance Report


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Denison State Bank (S) Holton 1.11% 9.34% 3,234 1.80% 297,328 181,151 241,832 74.9% 36,109 -3.8% 1.9% 12.1% 2.5% 20.2% 2.4% 0.8% 3.60% 0.65% 4.20% 54.8%

Security State Bank Scott City 1.11% 6.82% 1,711 1.73% 170,967 139,857 130,876 106.9% 26,050 29.1% 22.5% 15.2% 0.8% 5.1% 1.5% 0.1% 4.17% 0.48% 4.59% 60.0%

Golden Belt Bank, FSA (S) Ellis 1.11% 8.63% 1,597 2.00% 142,038 108,727 111,094 97.9% 19,723 10.8% 5.1% 13.9% 3.4% 22.7% 1.3% 0.2% 3.41% 0.53% 3.88% 57.0%

Citizens State Bank of Cheney (S) Cheney 1.09% 9.03% 616 1.74% 56,786 34,427 49,693 69.3% 6,989 3.8% 4.0% 12.3% 0.4% 3.3% 1.4% 0.6% 4.04% 0.38% 4.39% 58.2%

First State Bank of Ransom Ransom 1.09% 5.81% 514 1.30% 47,166 16,938 37,784 44.8% 9,199 -8.2% 1.5% 19.5% 0.8% 4.1% 2.4% 0.0% 2.88% 0.24% 3.09% 51.2%

Garden Plain State Bank Wichita 1.09% 9.08% 976 2.07% 91,827 48,868 80,265 60.9% 10,860 -11.4% 2.0% 11.9% 0.9% 9.7% 1.7% 0.4% 3.76% 0.45% 4.18% 52.3%

Whitcorp Financial Company (S) Leoti 1.09% 7.14% 7,931 1.73% 712,676 444,090 598,124 74.3% 111,400 12.3% 4.4% 15.7% 1.9% 11.3% 2.2% 0.1% 3.50% 0.21% 3.70% 55.2%

First Option Bank (S) Osawatomie 1.09% 13.54% 2,663 1.56% 265,092 112,567 241,817 46.6% 21,551 -4.2% 12.9% 8.1% 0.9% 13.6% 1.6% 0.1% 3.14% 0.54% 3.66% 60.1%

Kaw Valley State B&T Company (S) Wamego 1.06% 9.99% 1,630 1.66% 152,205 87,724 129,187 67.9% 17,302 8.1% 5.1% 11.4% 0.8% 6.8% 1.6% 0.1% 3.18% 0.65% 3.76% 59.8%

New Century Bank (S) Belleville 1.06% 9.89% 268 1.77% 25,735 22,220 22,216 100.0% 2,771 18.8% 5.1% 10.8% 0.2% 1.9% 1.5% 0.0% 6.06% 0.67% 6.66% 77.1%

First National Bank of Spearville Spearville 1.05% 6.12% 324 1.69% 29,630 18,457 23,956 77.1% 4,188 8.8% -1.2% 14.7% 0.0% 0.0% 2.2% -0.2% 3.59% 0.29% 3.86% 51.2%

Grant County Bank (S) Ulysses 1.04% 9.67% 2,400 1.43% 232,808 125,373 176,314 71.1% 26,901 7.0% -0.6% 11.6% 1.3% 24.5% 2.1% 0.8% 3.33% 0.68% 3.97% 60.2%

State Bank of Kansas (S) Fredonia 1.03% 7.57% 679 1.57% 68,453 40,900 53,621 76.3% 8,227 -9.6% 2.0% 12.2% 0.1% 0.6% 1.8% 0.0% 3.38% 0.38% 3.72% 54.5%

State Bank (S) Hoxie 1.02% 10.04% 1,538 1.63% 145,993 104,885 129,686 80.9% 16,010 15.9% -3.6% 11.0% 0.8% 6.7% 1.4% 0.0% 3.33% 0.43% 3.72% 54.1%

Labette Bank Altamont 1.02% 10.45% 3,610 1.23% 355,527 213,780 311,730 68.6% 35,158 10.6% 0.6% 9.9% 0.3% 3.4% 1.4% 0.1% 3.44% 0.58% 3.98% 67.4%

Bank of Holyrood (S) Holyrood 1.01% 9.68% 632 1.89% 63,864 36,731 56,966 64.5% 6,853 8.9% 8.2% 10.7% 0.3% 7.1% 1.4% 0.1% 3.25% 0.47% 3.68% 43.6%

Community First National Bank Manhattan 1.00% 10.05% 1,654 1.72% 167,309 148,852 149,758 99.4% 16,861 7.3% 2.6% 10.1% 0.9% 7.5% 1.5% 0.1% 4.02% 0.62% 4.59% 68.3%

Farmers State Bank of Oakley Oakley 1.00% 7.38% 1,161 1.59% 126,268 70,405 92,117 76.4% 16,589 43.1% -3.3% 13.1% 0.4% 2.8% 1.3% -0.1% 3.16% 0.59% 3.68% 48.1%

First National Bank of Elkhart Elkhart 1.00% 9.16% 741 1.42% 75,900 44,185 57,948 76.3% 8,235 15.5% -8.2% 10.9% 0.5% 6.1% 0.8% 0.1% 3.88% 0.47% 4.28% 64.9%

First National Bank of Syracuse Syracuse 1.00% 9.00% 2,180 1.72% 239,229 162,487 197,529 82.3% 23,353 15.8% 14.9% 9.8% 0.6% 6.7% 0.7% 0.0% 4.19% 0.55% 4.70% 60.6%

Lorraine State Bank Lorraine 1.00% 8.86% 242 1.36% 25,257 15,720 22,258 70.6% 2,855 1.6% 10.9% 11.3% 0.2% 1.4% 0.9% 0.1% 3.50% 0.45% 3.91% 57.7%

Almena State Bank (S) Almena 1.00% 12.94% 307 1.71% 31,852 28,783 28,659 100.4% 2,431 12.2% 7.9% 7.6% 0.1% 0.7% 0.9% 0.0% 5.78% 0.42% 6.18% 74.3%

0.50% - 1.00% ROAA Banks

Farmers Bank of Osborne (S) Osborne 0.99% 8.51% 563 1.41% 57,706 36,324 49,804 72.9% 6,853 7.9% 3.5% 11.9% 0.3% 2.7% 1.5% -0.1% 4.14% 0.51% 4.60% 63.3%

First National Bank in Frankfort (S) Frankfort 0.99% 10.11% 371 1.05% 37,113 14,218 31,490 45.2% 3,979 7.3% 1.2% 10.7% 0.8% 7.9% 1.5% -0.2% 3.37% 0.55% 3.89% 66.9%

Freedom Bank Overland Park 0.98% 9.48% 1,489 1.43% 155,051 94,534 117,551 80.4% 12,568 -1.6% -8.0% 8.1% 1.9% 16.5% 1.4% 0.0% 3.88% 0.47% 4.32% 63.1%

Exchange National B&T Co. Atchison 0.97% 11.60% 3,728 1.68% 378,462 266,328 327,718 81.3% 32,932 3.3% -2.1% 8.7% 0.4% 3.7% 1.4% 0.1% 3.32% 0.39% 3.69% 56.7%

First NB of Washington Washington 0.97% 4.63% 718 1.08% 74,843 27,971 53,488 52.3% 15,850 -1.3% 4.4% 21.2% 0.1% 0.4% 3.5% 0.0% 2.46% 0.57% 2.94% 54.8%

Fidelity State Bank and Trust Co. Dodge City 0.95% 5.68% 1,508 1.02% 166,310 44,176 137,449 32.1% 27,446 -0.6% 1.1% 16.5% 0.4% 2.5% 2.1% 0.0% 2.85% 0.15% 2.98% 60.8%

First National Bank of Liberal Liberal 0.95% 11.54% 2,697 1.16% 301,655 145,693 256,656 56.8% 24,922 6.7% 9.4% 8.3% 0.2% 1.8% 1.5% 0.0% 3.17% 0.53% 3.67% 61.2%

Bank of Hays Hays 0.94% 11.62% 2,269 1.41% 254,527 134,217 220,628 60.8% 20,203 9.1% 12.0% 7.9% 0.3% 3.5% 1.4% 0.0% 3.11% 0.41% 3.50% 53.7%

Peoples Bank and Trust Company McPherson 0.94% 8.14% 3,983 1.34% 444,217 209,158 364,487 57.4% 49,504 6.4% 9.4% 11.2% 0.3% 2.9% 2.2% 0.0% 3.49% 0.48% 3.95% 62.1%

Union State Bank (S) Olsburg 0.94% 5.71% 261 1.33% 29,466 13,514 24,739 54.6% 4,671 1.5% 1.0% 15.9% 0.2% 3.3% 0.9% -0.1% 3.59% 0.78% 4.32% 59.6%

First State Bank, Kiowa, Kansas (S) Kiowa 0.93% 7.80% 741 1.80% 76,230 45,514 65,007 70.0% 9,519 18.0% 2.1% 12.6% 0.0% 0.0% 0.8% 0.1% 3.85% 0.23% 4.04% 49.7%

Kansas State Bank Overbrook Overbrook 0.93% 8.39% 508 1.23% 53,754 25,291 44,022 57.5% 6,421 4.8% -7.8% 12.0% 1.7% 13.1% 3.1% 0.0% 3.62% 0.75% 4.27% 63.6%

FirstOak Bank (S) Independence 0.92% 8.87% 858 1.53% 91,188 76,175 75,842 100.4% 9,179 2.4% 2.2% 10.1% 0.3% 2.7% 1.5% 0.1% 5.60% 0.48% 6.02% 71.9%

Peoples Bank (S) Coldwater 0.92% 7.75% 420 1.01% 45,822 18,500 38,258 48.4% 5,245 6.2% -2.5% 11.6% 0.6% 5.8% 1.8% 0.2% 3.53% 0.39% 3.89% 65.4%

UBT Bancshares, Inc. Marysville 0.92% 8.63% 5,091 1.34% 569,214 377,186 405,082 93.1% 36,253 7.9% 1.5% 6.5% 0.7% 7.0% 1.5% 0.0% 3.47% 0.73% 4.16% 56.3%




2014 Q2 Kansas Financial Performance Report (Cont.)


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Farmers State Bank (S) Wathena 0.91% 6.18% 584 1.05% 63,134 31,089 52,768 58.9% 9,904 -0.8% -0.7% 15.7% 1.4% 8.1% 3.6% 1.1% 3.76% 0.57% 4.25% 71.7%

Citizens State Bank Hugoton 0.91% 8.01% 1,166 1.21% 124,880 64,317 109,778 58.6% 14,743 7.5% -5.3% 11.8% 0.0% 0.0% 1.7% -0.1% 3.45% 0.31% 3.72% 64.2%

Stockgrowers State Bank (S) Ashland 0.91% 6.86% 1,080 0.80% 120,703 55,667 98,172 56.7% 16,449 -1.1% 2.7% 13.7% 0.0% 0.1% 1.5% -0.3% 3.10% 0.34% 3.40% 70.5%

First National Bank of Hope (S) Hope 0.90% 7.44% 670 1.32% 74,534 47,694 62,072 76.8% 9,433 1.8% -2.9% 12.7% 1.3% 9.0% 1.9% -0.1% 4.00% 0.66% 4.63% 65.6%

Bank of Commerce and Trust Co. (S) Wellington 0.89% 11.30% 518 1.18% 57,750 25,688 50,803 50.6% 5,270 4.9% -1.4% 9.1% 0.6% 6.4% 1.5% -0.1% 3.08% 0.63% 3.67% 66.3%

Alta Vista State Bank Alta Vista 0.89% 7.08% 170 0.77% 19,449 7,679 16,609 46.2% 2,545 8.1% 3.3% 13.1% 0.0% 10.5% 2.3% -0.1% 3.22% 0.51% 3.69% 76.8%

Bank of Prairie Village (S) Prairie Village 0.89% 10.31% 928 1.33% 103,758 58,459 92,914 62.9% 9,192 -11.6% -0.4% 8.9% 0.9% 8.8% 1.7% 1.2% 3.20% 0.51% 3.70% 52.5%

Wilson State Bank (S) Wilson 0.88% 8.69% 729 1.39% 83,322 62,888 69,485 90.5% 7,455 2.0% -2.3% 9.1% 0.1% 1.0% 1.0% 0.1% 4.33% 0.41% 4.71% 62.8%

First National Bank in Cimarron (S) Cimarron 0.88% 11.47% 765 1.09% 82,415 37,743 73,809 51.1% 7,289 10.4% -5.2% 8.8% 0.0% 0.6% 1.5% 0.0% 3.62% 0.21% 3.82% 68.2%

Mutual Savings Association Leavenworth 0.87% 3.12% 1,765 1.35% 195,454 109,370 135,946 80.5% 57,312 -1.5% -9.9% 29.3% 8.9% 29.6% 1.4% 0.2% 3.56% 1.04% 4.40% 64.8%

St. Marys State Bank (S) Saint Marys 0.87% 8.96% 788 1.15% 91,665 52,099 71,725 72.6% 9,380 6.5% 1.5% 10.2% 0.1% 1.8% 1.8% 0.9% 3.26% 1.02% 4.11% 64.4%

Baxter State Bank (S) Baxter Springs 0.86% 3.92% 238 1.36% 30,336 16,508 23,267 71.0% 5,703 -3.4% 11.8% 19.2% 2.4% 13.8% 2.7% 0.0% 5.44% 0.16% 5.59% 76.8%

Central of Kansas, Inc. Junction City 0.86% 6.64% 7,343 1.03% 847,162 400,966 723,497 55.4% 112,026 -3.2% -1.6% 13.3% 0.3% 2.2% 2.4% -0.1% 3.12% 0.32% 3.43% 76.5%

Centera Bank (S) Sublette 0.86% 10.02% 2,180 1.27% 254,063 122,395 228,070 53.7% 21,686 7.7% 2.6% 8.6% 1.0% 10.9% 1.2% 0.2% 3.36% 0.32% 3.67% 62.0%

Astra Bank (S) Scandia 0.85% 9.51% 2,261 1.40% 264,917 152,267 229,876 66.2% 23,561 9.0% 3.8% 9.0% 0.7% 7.5% 1.4% 0.4% 3.66% 0.27% 3.91% 59.8%

Citizens State Bank Moundridge 0.85% 8.72% 3,611 1.15% 427,342 197,506 337,366 58.5% 41,375 43.0% 44.8% 9.8% 1.2% 11.8% 1.2% 0.0% 3.70% 0.61% 4.26% 66.2%

Citizens State B&T Co., Ellsworth (S) Ellsworth 0.84% 10.44% 952 1.24% 111,674 55,611 93,105 59.7% 9,903 3.8% 3.1% 8.9% 1.4% 14.8% 1.4% 0.2% 3.34% 0.54% 3.86% 69.4%

University Bank (S) Pittsburg 0.84% 6.64% 941 1.51% 112,311 80,641 87,815 91.8% 14,672 -1.2% 0.3% 13.1% 2.1% 14.6% 2.3% 0.3% 3.67% 0.89% 4.48% 63.4%

Commercial Bank (S) Parsons 0.84% 7.43% 2,063 1.11% 322,611 102,847 290,543 35.4% 28,700 10.4% 37.3% 8.9% 0.1% 1.3% 2.1% 0.0% 3.15% 0.35% 3.48% 68.8%

First NB of Cunningham (S) Cunningham 0.84% 9.39% 285 1.11% 35,433 13,201 29,502 44.8% 3,374 7.1% 2.0% 9.5% 0.0% 0.8% 0.9% 0.0% 5.91% 0.24% 6.27% 66.9%

Bankwest of Kansas (S) Goodland 0.84% 6.76% 817 0.89% 94,948 61,131 80,246 76.2% 12,572 19.0% -5.5% 13.2% 0.0% 0.0% 0.5% 0.0% 4.04% 0.17% 4.20% 71.7%

Community First Bank Kansas City 0.83% 9.61% 906 1.45% 114,152 99,839 96,597 103.4% 10,098 14.7% 9.3% 8.9% 2.2% 21.4% 1.5% 0.1% 5.00% 0.42% 5.40% 70.7%

Community State Bank Coffeyville 0.83% 9.17% 1,173 1.12% 165,252 56,673 147,428 38.4% 16,015 74.0% 155.3% 9.7% 0.7% 8.2% 1.0% 0.2% 2.95% 0.29% 3.20% 64.1%

Emprise Financial Corporation (S) Wichita 0.83% 8.94% 12,667 1.37% 1,516,182 942,708 1,331,747 70.8% 129,833 11.7% -0.8% 8.7% 0.4% 4.2% 1.3% 0.0% 3.48% 0.30% 3.76% 67.9%

First National Bank of Girard (S) Girard 0.83% 7.56% 608 1.25% 76,917 45,866 62,856 73.0% 8,246 -1.0% 1.8% 10.7% 0.6% 18.1% 1.8% 0.0% 3.56% 0.59% 4.05% 65.5%

Alterra Bank Leawood 0.82% 8.47% 1,713 1.61% 226,548 186,327 195,376 95.4% 17,752 24.1% 19.0% 8.0% 1.8% 20.2% 1.1% 0.3% 4.30% 0.79% 5.06% 70.6%

Community Bancorp, Inc. Chanute 0.82% 10.93% 6,889 1.19% 842,469 565,222 689,066 82.0% 58,199 14.7% 2.4% 7.0% 0.9% 11.1% 1.4% 0.0% 3.65% 0.61% 4.26% 68.7%

Flint Hills Bank (S) Eskridge 0.81% 8.66% 1,013 1.34% 127,688 68,877 105,511 65.3% 12,400 11.0% -0.7% 9.7% 0.4% 3.5% 1.8% 0.2% 2.94% 0.67% 3.55% 58.4%

Ameri-National Corporation (S) Overland Park 0.81% 6.62% 4,595 0.96% 609,442 299,360 358,571 83.5% 74,008 8.2% 12.5% 12.1% 0.8% 7.0% 1.7% -0.5% 1.39% 1.70% 2.96% 87.5%

Capitol Federal Financial, Inc. Topeka 0.81% 4.64% 73,551 1.21% 9,050,917 6,141,602 4,711,043 130.4% 1,498,907 5.8% 0.6% 16.6% 0.3% 2.1% 0.2% 0.0% 2.03% 1.42% 3.25% 45.6%

Community Bank Topeka 0.80% 8.02% 663 1.19% 85,671 58,074 71,857 80.8% 8,591 2.0% 4.5% 10.0% 0.1% 1.3% 1.4% 0.0% 3.95% 0.41% 4.35% 72.1%

Guaranty State Bank and Trust Co. Beloit 0.80% 7.75% 1,641 1.60% 240,859 174,856 190,080 92.0% 25,525 17.6% 29.7% 10.6% 0.0% 1.2% 1.3% 0.0% 3.59% 0.97% 4.51% 55.7%

Legacy Bank Wichita 0.80% 7.69% 2,215 1.36% 289,071 225,760 241,138 93.6% 29,557 6.0% 8.5% 10.2% 4.8% 45.8% 1.2% 0.7% 4.06% 0.67% 4.70% 66.8%

F&M Bank of Mound City (S) Mound City 0.80% 12.01% 290 1.19% 37,452 26,793 33,411 80.2% 2,561 7.1% 1.9% 6.8% 1.9% 32.7% 0.8% 0.0% 3.78% 1.23% 4.91% 70.4%

Bendena State Bank (S) Bendena 0.80% 11.45% 423 1.32% 53,994 37,404 47,342 79.0% 4,049 12.7% 1.0% 7.5% 0.0% 1.1% 0.9% 0.0% 3.43% 0.44% 3.86% 62.3%

First National Bank of Scott City Scott City 0.79% 8.05% 932 1.48% 119,043 77,932 104,803 74.4% 12,235 10.3% 2.1% 10.3% 0.8% 7.9% 1.3% 0.5% 3.49% 0.38% 3.85% 58.8%

Valley View Bancshares, Inc. Overland Park 0.79% 5.10% 25,275 1.24% 3,212,957 1,467,870 2,401,827 61.1% 430,016 -4.4% -0.6% 13.7% 5.3% 36.2% 2.3% 0.7% 3.33% 0.57% 3.86% 60.4%

Patriots Bank (S) Garnett 0.79% 8.00% 682 1.07% 87,981 55,496 77,844 71.3% 8,775 1.1% 1.5% 10.0% 4.4% 40.6% 1.5% 0.4% 4.07% 0.33% 4.38% 72.1%

Farmers State Bank Westmoreland 0.78% 5.00% 1,020 1.33% 133,161 80,545 110,426 72.9% 21,207 -4.0% -0.2% 15.9% 2.7% 18.0% 2.2% 0.9% 3.46% 1.02% 4.36% 60.7%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


State Bank of Delphos (S) Delphos 0.78% 7.92% 355 1.07% 44,776 33,183 34,147 97.2% 4,518 -1.6% -4.3% 10.1% 0.2% 2.0% 1.2% 0.0% 3.99% 0.80% 4.64% 69.3%

Bank of the Flint Hills (S) Wamego 0.78% 7.05% 1,184 1.18% 159,651 101,426 128,340 79.0% 17,181 6.5% 11.2% 10.8% 0.7% 6.0% 1.9% 0.2% 3.66% 0.65% 4.27% 67.8%

Citizens National Bank Greenleaf 0.77% 9.25% 1,328 0.97% 165,782 64,148 150,527 42.6% 14,851 -4.2% -8.1% 9.0% 0.0% 0.0% 1.9% 0.0% 2.94% 0.31% 3.22% 72.5%

Citizens State Bank Gridley 0.77% 9.55% 1,335 0.93% 179,423 123,381 159,874 77.2% 13,562 11.0% 1.1% 7.6% 0.5% 6.9% 0.8% 0.0% 4.07% 0.25% 4.33% 74.7%

Valley State Bank (S) Syracuse 0.77% 9.35% 714 1.20% 97,172 64,902 76,760 84.6% 8,176 24.1% 6.1% 8.4% 1.0% 10.5% 1.5% 0.1% 3.88% 0.83% 4.58% 70.2%

Farmers State Bank of Bucklin Bucklin 0.76% 8.49% 343 0.79% 45,624 20,929 41,085 50.9% 3,184 12.9% 5.9% 7.0% 0.3% 3.3% 2.0% 0.0% 3.32% 0.35% 3.66% 67.0%

CrossFirst Bank Leawood 0.75% 7.28% 6,328 1.12% 969,198 563,687 764,936 73.7% 91,962 58.9% 49.3% 9.6% 0.2% 1.8% 1.3% 0.0% 3.33% 0.88% 4.16% 61.6%

Farmers State Bank Holton 0.75% 9.02% 408 0.98% 53,430 30,568 44,563 68.6% 4,719 -6.5% -4.5% 8.8% 0.4% 4.4% 1.6% 0.1% 3.72% 0.96% 4.58% 75.9%

Southeast Bancshares, Inc. (S) Chanute 0.75% 8.54% 2,141 1.17% 289,925 162,734 261,319 62.3% 24,003 3.5% 0.2% 8.3% 0.7% 7.4% 1.1% 0.0% 3.14% 0.39% 3.51% 66.8%

Equity Bancshares, Inc. Wichita 0.74% 6.39% 8,522 1.24% 1,181,729 685,379 966,745 70.9% 76,225 -1.4% -0.1% 6.6% 1.4% 14.3% 0.9% 0.2% 3.94% 0.46% 4.39% 69.8%

Greensburg State Bank Greensburg 0.73% 4.65% 414 0.94% 57,627 8,511 47,976 17.7% 9,567 2.0% -2.4% 16.6% 0.2% 1.6% 1.6% 0.2% 3.19% 0.23% 3.42% 67.0%

Landmark Bancorp, Inc. Manhattan 0.73% 8.68% 5,582 0.98% 836,011 428,833 687,362 62.4% 49,024 28.3% 37.0% 6.0% 1.3% 20.3% 1.2% 0.1% 3.28% 0.46% 3.74% 72.3%

Verus Bank (S) Derby 0.71% 8.10% 907 1.02% 129,145 84,596 114,612 73.8% 11,503 7.5% 2.7% 8.9% 0.0% 0.6% 1.0% 0.0% 3.90% 0.21% 4.10% 77.0%

Sunflower Financial, Inc. (S) Salina 0.71% 6.58% 12,019 1.04% 1,713,754 1,030,046 1,348,677 76.4% 171,830 14.4% 2.7% 10.1% 0.3% 2.7% 1.3% -0.1% 3.09% 0.48% 3.54% 72.7%

First Heritage Bank (S) Centralia 0.71% 5.87% 821 1.07% 118,638 41,094 93,399 44.0% 14,148 -0.8% 1.5% 12.0% 0.0% 5.0% 2.1% 0.0% 3.14% 0.63% 3.72% 66.6%

Swedish-American State Bank Courtland 0.71% 8.67% 325 1.33% 46,035 33,877 39,805 85.1% 4,023 11.5% 6.7% 8.7% 0.1% 9.2% 0.9% 0.7% 3.99% 0.48% 4.42% 65.0%

First National Bank and Trust (S) Phill ipsburg 0.70% 5.08% 1,377 1.03% 204,827 108,560 173,564 62.6% 28,272 16.0% 7.3% 13.8% 0.7% 5.8% 1.7% 0.2% 3.48% 0.51% 3.94% 71.3%

First Kansas Bancshares, Inc. Hutchinson 0.70% 6.24% 4,235 0.77% 634,710 297,302 555,995 53.5% 68,738 7.1% 8.8% 10.9% 0.9% 8.0% 1.3% 0.2% 2.89% 0.19% 3.06% 79.0%

GN Bankshares, Inc. Girard 0.70% 7.33% 3,880 1.00% 569,613 349,212 428,473 81.5% 45,885 7.0% 4.0% 8.2% 1.3% 15.1% 1.6% 0.0% 3.44% 0.67% 4.08% 70.6%

Southwind Bank Natoma 0.70% 8.70% 819 0.75% 123,604 41,313 113,301 36.5% 9,925 5.0% 10.1% 8.0% 0.4% 5.1% 1.8% 0.1% 2.60% 0.32% 2.90% 62.9%

Farmers Bank & Trust (S) Atwood 0.70% 7.78% 673 0.82% 93,428 25,442 83,307 30.5% 9,506 16.9% -0.5% 10.2% 1.1% 13.8% 1.8% 0.0% 2.57% 0.12% 2.69% 60.4%

Union State Bank (S) Arkansas City 0.70% 5.36% 1,759 0.98% 252,945 122,606 199,172 61.6% 24,119 11.5% 1.2% 9.9% 0.1% 1.0% 2.4% 0.1% 3.28% 0.48% 3.73% 72.7%

Farmers State Bank (S) Phill ipsburg 0.69% 7.58% 235 0.87% 33,922 18,490 29,718 62.2% 3,009 7.1% 4.0% 8.9% 3.4% 35.7% 1.6% 0.2% 3.75% 0.65% 4.37% 72.4%

Community Bank Liberal 0.69% 6.45% 673 0.67% 98,123 56,436 84,406 66.9% 10,656 20.3% -0.3% 10.9% 1.4% 12.4% 2.0% 0.0% 3.26% 0.35% 3.60% 77.3%

State Bank of Downs (S) Downs 0.69% 6.33% 548 1.35% 82,889 63,762 69,358 91.9% 8,981 2.8% 22.9% 10.8% 0.4% 3.4% 1.2% 0.3% 4.46% 0.77% 5.13% 67.4%

Tampa State Bank (S) Tampa 0.68% 6.96% 350 0.75% 53,464 28,900 45,943 62.9% 5,419 10.8% 11.9% 10.1% 1.3% 11.4% 2.7% -0.1% 3.63% 0.50% 4.09% 63.6%

Bank of Greeley (S) Greeley 0.67% 5.62% 245 1.03% 36,229 20,788 31,209 66.6% 4,433 0.7% 1.9% 12.2% 0.2% 1.5% 1.7% 0.0% 3.06% 0.48% 3.49% 68.7%

Riley State Bank of Riley (S) Riley 0.67% 7.06% 533 1.06% 79,847 50,670 67,964 74.6% 7,598 -6.5% 5.3% 9.5% 0.1% 0.6% 2.1% 0.1% 3.48% 0.99% 4.35% 69.1%

Olpe State Bank (S) Olpe 0.67% 4.58% 251 1.05% 35,695 22,272 29,012 76.8% 5,594 1.8% -6.8% 15.7% 1.1% 6.7% 1.2% 0.0% 3.21% 0.47% 3.62% 67.6%

Fidelity Financial Corporation Wichita 0.67% 7.10% 11,957 1.15% 1,663,859 1,285,953 1,323,733 97.2% 161,052 13.9% 6.3% 9.7% 2.4% 20.5% 1.4% 0.1% 3.83% 0.79% 4.56% 74.0%

Kanza Bank (S) Kingman 0.67% 6.58% 1,399 0.88% 208,393 145,094 170,232 85.2% 20,249 10.9% 5.8% 9.8% 0.1% 0.5% 1.4% -0.2% 3.95% 0.46% 4.40% 77.1%

Farmers State Bank Atwood 0.66% 7.02% 169 1.04% 24,322 10,833 21,803 49.7% 2,500 -4.2% -16.3% 10.3% 0.4% 3.8% 2.8% 0.0% 3.01% 0.20% 3.22% 64.1%

Bank of Whitewater (S) Whitewater 0.66% 7.83% 139 1.26% 21,981 11,525 20,212 57.0% 1,760 1.2% 7.5% 8.0% 1.5% 15.9% 3.1% 0.8% 4.05% 0.30% 4.33% 69.8%

Valley State Bank Belle Plaine 0.65% 5.42% 801 0.85% 125,141 59,182 108,409 54.6% 15,134 -1.9% 3.2% 12.1% 0.8% 6.0% 1.3% 0.3% 3.13% 0.79% 3.84% 71.3%

City State Bank (S) Fort Scott 0.65% 7.81% 239 0.86% 37,474 20,519 34,200 60.0% 3,138 7.2% 3.8% 8.4% 0.1% 0.9% 1.0% 0.0% 3.40% 0.49% 3.88% 73.2%

Peabody State Bank Peabody 0.64% 6.11% 249 0.87% 38,460 20,979 32,380 64.8% 4,138 2.9% 0.0% 10.8% 0.5% 7.0% 0.9% 0.7% 3.82% 0.40% 4.19% 76.9%

Union State Bank Clay Center 0.64% 6.04% 888 0.84% 141,963 53,582 84,239 63.6% 15,749 5.9% 9.4% 11.1% 1.9% 16.3% 2.3% 0.1% 2.70% 1.34% 3.95% 65.9%

Ford County State Bank Spearville 0.63% 5.20% 240 0.88% 38,394 19,355 33,316 58.1% 4,712 7.5% 8.7% 12.3% 1.2% 19.3% 1.7% 0.2% 3.32% 0.25% 3.56% 71.0%

Merit Bank Overland Park 0.63% 6.61% 469 1.15% 79,539 69,382 64,375 107.8% 6,776 24.5% 5.7% 8.6% 0.6% 6.2% 1.4% 0.0% 4.60% 0.94% 5.47% 76.4%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


VisionBank Topeka 0.63% 6.66% 642 1.08% 105,658 75,540 90,641 83.3% 9,430 11.0% 3.5% 9.0% 2.2% 25.5% 1.4% 0.0% 3.79% 0.28% 4.06% 74.2%

Kaw Valley State Bank (S) Eudora 0.63% 7.50% 259 0.95% 43,999 23,679 40,316 58.7% 3,555 12.1% 9.2% 8.1% 1.6% 17.9% 1.7% -0.1% 4.11% 0.28% 4.38% 79.9%

Roxbury Bank (S) Roxbury 0.62% 6.27% 89 0.91% 14,541 8,179 12,729 64.3% 1,504 -3.1% 6.7% 10.3% 4.7% 38.0% 3.6% 0.5% 3.94% 0.23% 4.17% 78.8%

Bankers' Bank of Kansas Wichita 0.62% 5.28% 1,063 1.12% 148,653 95,850 124,581 76.9% 20,653 -10.8% -15.0% 13.9% 5.7% 34.4% 4.4% 1.0% 3.00% 0.29% 3.25% 85.1%

Union State Bank (S) Uniontown 0.61% 8.45% 273 0.84% 43,462 27,633 37,041 74.6% 3,444 4.0% -0.9% 7.9% 2.6% 31.1% 1.1% 0.1% 4.03% 0.56% 4.61% 78.5%

Plains State Bank (S) Plains 0.61% 6.53% 845 0.63% 140,145 39,901 121,983 32.7% 14,006 7.9% -0.3% 10.0% 0.0% 0.0% 2.1% 0.0% 2.53% 0.31% 2.83% 66.5%

Ottawa Bancshares, Inc. (S) Salina 0.60% 7.13% 3,008 0.86% 523,048 202,892 441,320 46.0% 46,454 18.8% 2.8% 8.9% 0.1% 2.0% 1.7% 0.1% 2.82% 0.43% 3.23% 73.7%

ESB Financial (S) Emporia 0.60% 6.85% 1,067 0.91% 178,770 103,047 146,140 70.5% 16,490 12.3% 4.8% 9.2% 0.5% 4.9% 1.1% 0.1% 3.02% 0.59% 3.57% 75.7%

Cottonwood Valley Bank (S) Cedar Point 0.60% 4.55% 202 0.89% 33,406 13,446 28,282 47.5% 4,622 -3.2% -0.7% 13.8% 2.3% 15.2% 2.9% 0.6% 3.16% 0.27% 3.40% 71.9%

Citizens Bank of Kansas (S) Kingman 0.59% 5.12% 1,309 0.61% 225,669 88,393 191,167 46.2% 21,974 13.8% 2.8% 10.0% 0.2% 1.6% 1.5% -0.1% 3.30% 0.29% 3.58% 78.2%

American State Bancshares, Inc. Great Bend 0.59% 6.23% 3,884 0.84% 660,011 378,724 518,383 73.1% 45,378 4.4% 1.2% 7.0% 1.5% 17.5% 1.1% 0.2% 3.43% 0.51% 3.92% 71.3%

RelianzBank (S) Wichita 0.58% 5.91% 300 1.13% 50,050 40,966 42,365 96.7% 5,206 1.6% 2.7% 10.4% 2.6% 22.3% 1.7% 0.3% 3.97% 0.61% 4.50% 72.0%

Lawrence Bank (S) Lawrence 0.56% 3.81% 400 1.09% 74,382 63,912 57,340 111.5% 6,255 9.6% 2.7% 9.0% 1.5% 16.0% 1.2% 0.3% 4.50% 0.93% 5.35% 75.1%

Bank of Denton Denton 0.56% 3.29% 95 0.66% 17,882 7,031 14,906 47.2% 2,931 -0.7% 10.3% 16.4% 0.2% 1.6% 1.4% 0.2% 3.00% 0.53% 3.47% 69.3%

Marion National Bank Marion 0.56% 4.23% 134 0.42% 23,268 8,325 19,964 41.7% 2,181 19.6% 1.7% 9.8% 0.3% 2.9% 2.0% 0.0% 2.99% 0.09% 3.08% 76.1%

Impact Bank (S) Wellington 0.56% 5.49% 750 0.93% 128,139 84,419 111,747 75.5% 13,810 0.9% -4.1% 10.8% 0.0% 0.3% 1.5% -0.1% 3.55% 0.44% 3.95% 74.7%

First Bank of Newton (S) Newton 0.56% 6.79% 925 1.07% 166,487 114,981 151,996 75.7% 14,011 6.8% 4.3% 8.4% 1.0% 13.1% 1.5% 0.2% 3.68% 0.37% 4.03% 72.9%

Lyndon State Bank (S) Lyndon 0.55% 5.34% 435 0.64% 79,713 48,770 64,642 75.5% 8,111 2.3% -5.0% 10.2% 2.6% 22.9% 1.9% 0.0% 4.48% 0.87% 5.27% 80.6%

Capital City Bank Topeka 0.55% 7.38% 2,373 0.70% 424,827 247,124 361,561 68.4% 33,500 8.1% -0.9% 7.9% 1.5% 17.4% 1.2% 0.0% 3.01% 0.56% 3.58% 79.9%

INTRUST Financial Corporation (S) Wichita 0.54% 9.00% 22,722 1.18% 4,189,258 2,358,935 3,400,544 69.4% 249,226 6.5% 3.9% 6.0% 2.3% 33.9% 1.5% 0.7% 2.65% 0.27% 2.94% 70.4%

Johnson State Bank (S) Johnson 0.54% 4.12% 404 0.58% 73,933 29,477 60,452 48.8% 10,311 3.2% -5.5% 14.0% 0.1% 1.8% 4.1% -0.5% 3.24% 0.21% 3.44% 78.2%

Gorham State Bank Gorham 0.53% 6.92% 156 0.83% 30,335 15,590 27,946 55.8% 2,145 20.8% 9.0% 7.1% 0.0% 0.6% 1.0% 0.0% 2.99% 0.13% 3.12% 73.3%

Nekoma State Bank La Crosse 0.52% 6.39% 212 0.33% 42,743 13,130 37,467 35.0% 3,554 13.0% 4.8% 8.3% 1.1% 11.9% 3.1% -0.3% 2.78% 0.19% 2.95% 82.0%

First NB of Louisburg (S) Louisburg 0.52% 2.94% 462 0.77% 91,890 33,251 73,439 45.3% 15,960 -2.1% 12.1% 17.4% 0.4% 2.4% 2.2% 0.2% 3.04% 0.20% 3.20% 77.5%

Bank of Palmer Palmer 0.51% 6.11% 219 0.68% 42,536 21,973 37,072 59.3% 3,813 3.3% -2.3% 9.0% 0.0% 9.1% 1.4% 0.0% 3.10% 1.12% 4.08% 72.2%

CornerBank (S) Winfield 0.51% 5.91% 1,416 0.67% 278,588 140,535 241,875 58.1% 24,683 18.8% 7.1% 8.9% 0.6% 6.3% 1.1% 0.0% 3.27% 0.33% 3.58% 81.6%

State Exchange Bank (S) Mankato 0.50% 5.26% 176 0.70% 34,370 13,893 29,197 47.6% 3,695 4.7% -4.4% 10.8% 0.0% 1.6% 1.2% 1.7% 3.04% 0.46% 3.46% 70.9%

Trego-WaKeeney State Bank (S) Wakeeney 0.50% 5.56% 337 0.86% 67,552 25,622 61,291 41.8% 6,193 7.0% 6.3% 9.2% 0.2% 1.5% 2.1% 0.0% 2.29% 0.10% 2.39% 64.0%

Fowler State Bank (S) Fowler 0.50% 4.94% 337 0.75% 66,626 33,244 57,647 57.7% 7,098 5.8% 2.9% 10.7% 0.0% 16.3% 0.9% 0.0% 3.31% 0.39% 3.67% 76.7%

Douglas County Bank (S) Lawrence 0.50% 4.15% 1,434 0.56% 295,382 146,459 259,769 56.4% 35,069 11.4% 2.3% 11.9% 0.1% 0.5% 1.7% 0.0% 3.12% 0.20% 3.30% 80.3%

Comm. Bank of the Midwest (S) Great Bend 0.50% 6.56% 753 1.15% 156,107 95,579 141,842 67.4% 11,855 8.8% 8.2% 7.6% 0.0% 0.9% 1.2% 0.0% 3.49% 0.23% 3.72% 68.9%

0.00% - 0.50% ROAA Banks

Kansas State Bank (S) Ottawa 0.49% 5.72% 553 0.72% 122,424 28,796 104,920 27.5% 10,265 16.7% 13.8% 8.4% 0.1% 0.5% 1.8% 0.1% 2.44% 0.18% 2.61% 74.5%

Home Bank and Trust Company (S) Eureka 0.49% 6.71% 436 0.79% 90,590 62,133 81,603 76.1% 6,667 1.1% 4.1% 7.4% 0.1% 1.0% 1.2% 0.0% 3.95% 0.39% 4.34% 80.4%

Howard State Bank (S) Howard 0.49% 5.15% 238 0.74% 48,933 22,894 44,125 51.9% 4,703 4.2% 5.5% 9.6% 0.2% 2.2% 2.6% 0.1% 3.27% 0.18% 3.45% 75.5%

BANK VI (S) Salina 0.47% 4.88% 301 0.71% 66,617 49,030 43,434 112.9% 6,510 -6.5% 0.3% 9.8% 0.6% 5.2% 2.2% 0.2% 3.34% 1.31% 4.66% 83.7%

Lyons State Bank (S) Lyons 0.47% 4.96% 453 0.97% 100,938 63,108 83,082 76.0% 9,264 2.2% 8.4% 9.2% 1.0% 9.1% 2.6% 0.0% 3.62% 0.66% 4.26% 71.7%

Millennium Bank (S) Junction City 0.46% 3.20% 157 1.04% 32,335 28,463 26,964 105.6% 4,689 1.4% -5.3% 14.5% 3.5% 24.0% 1.1% 0.4% 4.39% 0.58% 4.90% 76.5%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Exchange State Bank of St. Paul Saint Paul 0.46% 5.58% 308 0.46% 68,894 29,123 58,175 50.1% 5,559 -4.9% 5.7% 8.1% 1.7% 19.9% 1.3% 0.9% 3.40% 0.61% 3.97% 79.8%

Andover State Bank Andover 0.45% 5.08% 312 0.72% 71,220 59,376 62,436 95.1% 5,762 -5.0% 8.3% 8.1% 1.3% 13.2% 1.2% 0.0% 4.26% 0.42% 4.66% 84.0%

First National Bank of Sedan (S) Sedan 0.45% 4.50% 251 0.48% 55,978 17,055 43,659 39.1% 5,930 -9.7% 0.4% 10.6% 0.8% 7.5% 2.0% -0.1% 2.70% 0.41% 3.08% 83.2%

Cornerstone Bank (S) Overland Park 0.44% 5.10% 718 0.69% 160,777 103,894 104,220 99.7% 14,857 -4.4% 0.8% 9.2% 11.7% 95.6% 4.7% -0.5% 2.57% 1.77% 4.39% 80.8%

Halstead Bank (S) Halstead 0.44% 5.60% 391 0.80% 95,094 66,320 83,547 79.4% 7,532 12.1% 11.2% 7.9% 0.2% 4.0% 1.2% 0.0% 3.87% 0.48% 4.34% 81.3%

First National Bank of Kansas (S) Burlington 0.44% 5.48% 314 0.05% 71,796 16,558 61,516 26.9% 6,083 3.8% 11.0% 8.5% 0.3% 3.3% 2.7% 0.0% 2.58% 0.74% 3.26% 92.0%

Stockton National Bank (S) Stockton 0.44% 3.77% 487 0.82% 111,696 70,156 93,268 75.2% 13,911 66.3% 70.5% 12.5% 0.5% 4.8% 2.1% 0.0% 4.23% 0.57% 4.76% 79.5%

First Security Bank (S) Overbrook 0.43% 4.86% 229 0.75% 52,401 32,666 47,178 69.2% 4,145 1.5% 1.9% 8.0% 0.3% 3.9% 1.2% 0.0% 4.06% 0.29% 4.33% 78.9%

Baldwin State Bank (S) Baldwin City 0.42% 4.57% 318 0.68% 74,695 31,023 66,584 46.6% 7,174 -13.4% -5.3% 9.6% 0.6% 9.0% 2.0% 0.6% 2.74% 0.23% 2.95% 78.9%

Alliance Bank Topeka 0.41% 3.97% 368 0.73% 93,399 59,018 80,306 73.5% 9,478 10.8% 2.8% 10.2% 1.5% 13.7% 1.3% 0.4% 3.42% 0.44% 3.84% 79.0%

Inter-State Federal S&LA of KC Kansas City 0.41% 1.93% 984 0.13% 233,969 43,926 135,487 32.4% 52,028 -5.2% -5.9% 22.2% 0.1% 1.2% 0.6% 0.0% 1.60% 0.49% 1.99% 91.7%

Goppert State Service Bank Garnett 0.40% 3.95% 630 0.57% 156,768 91,228 140,247 65.1% 16,123 10.8% 2.0% 10.3% 0.5% 5.1% 1.5% 0.0% 2.87% 0.34% 3.17% 80.2%

First State Bank and Trust Tonganoxie 0.38% 3.87% 848 0.50% 232,775 159,519 206,779 77.1% 22,911 9.3% 1.5% 9.8% 4.2% 38.0% 1.9% 0.2% 4.02% 0.42% 4.45% 88.8%

Lyons Federal Bank Lyons 0.38% 3.76% 333 0.71% 88,330 61,066 74,253 82.2% 8,735 6.6% 10.2% 9.9% 0.1% 0.6% 1.0% 0.0% 3.32% 0.79% 4.05% 78.8%

Silver Lake Bank Topeka 0.38% 3.51% 923 0.74% 241,590 141,914 183,931 77.2% 27,277 4.4% -2.8% 11.3% 4.8% 39.2% 1.7% -0.1% 2.72% 0.60% 3.28% 71.7%

Fidelity State Bank and Trust Co. (S) Topeka 0.37% 3.35% 371 0.45% 101,611 62,812 86,690 72.5% 11,273 23.7% 7.7% 11.1% 0.0% 1.1% 1.3% 0.1% 3.32% 0.14% 3.46% 84.8%

Baileyville State Bank Seneca 0.37% 4.37% 145 0.43% 40,680 22,517 34,548 65.2% 3,531 14.4% 4.6% 8.7% 1.1% 13.1% 1.1% 0.5% 3.14% 1.04% 4.11% 80.5%

First National Bank of Harveyville Harveyville 0.37% 3.30% 46 0.53% 13,739 8,093 11,788 68.7% 1,396 -7.1% 13.5% 10.2% 0.0% 0.1% 1.1% 0.0% 3.87% 0.72% 4.51% 87.6%

Freeport State Bank Harper 0.37% 5.53% 92 0.30% 25,303 14,056 23,498 59.8% 1,758 2.4% -1.7% 7.0% 0.0% 0.0% 1.3% 0.0% 3.58% 0.18% 3.76% 87.6%

State Bank of Canton Canton 0.37% 2.27% 121 0.44% 33,013 9,482 27,553 34.4% 5,444 2.9% 3.9% 16.5% 0.2% 3.0% 1.3% 0.0% 2.50% 0.20% 2.69% 81.8%

First National Bank in Pratt (S) Pratt 0.36% 3.60% 395 0.55% 110,864 51,280 98,362 52.1% 10,108 28.3% 4.2% 9.2% 0.0% 0.0% 1.1% 0.0% 2.90% 0.11% 3.01% 79.5%

Farmers State Bank (S) Fairview 0.36% 5.14% 91 0.55% 25,499 12,259 23,654 51.8% 1,833 10.9% 2.8% 7.2% 1.2% 22.5% 1.3% 0.0% 2.83% 0.30% 3.13% 80.4%

Prairie Bank of Kansas Stafford 0.36% 4.34% 418 0.73% 115,722 58,713 104,429 56.2% 9,281 -4.6% 1.4% 8.1% 0.8% 16.5% 0.8% 1.2% 3.62% 0.53% 4.17% 75.1%

KansasLand Bank (S) Quinter 0.36% 4.10% 189 0.58% 52,892 30,402 46,580 65.3% 4,237 2.4% 3.4% 8.1% 1.3% 15.4% 1.2% 0.0% 3.33% 0.65% 3.94% 82.0%

Winter Trust of 12/3/74 Lawrence 0.35% 5.32% 2,451 0.55% 754,901 537,059 593,004 90.6% 47,952 2.1% 1.2% 6.4% 3.1% 45.3% 1.1% 0.2% 3.80% 0.40% 4.28% 96.2%

Kendall State Bank Valley Falls 0.34% 4.82% 127 0.45% 36,968 26,589 33,581 79.2% 2,723 0.5% 4.3% 7.4% 2.4% 28.3% 1.9% 0.3% 3.76% 0.32% 4.06% 89.0%

F&M State Bank of Argonia Argonia 0.32% 4.20% 108 0.43% 35,061 26,858 32,305 83.1% 2,629 2.9% 9.5% 7.5% 0.5% 6.0% 1.7% 0.0% 5.09% 0.61% 5.69% 91.9%

First National Bank of Dighton Dighton 0.32% 1.77% 213 0.36% 69,339 20,098 56,907 35.3% 12,139 19.4% 16.4% 17.5% 0.4% 2.2% 1.2% -0.1% 2.26% 0.09% 2.33% 81.2%

Stock Exchange Bank Caldwell 0.32% 4.41% 148 0.52% 47,762 31,086 43,409 71.6% 3,472 28.9% 0.7% 7.3% 0.1% 0.6% 1.1% 0.0% 3.52% 0.41% 3.92% 85.8%

Community Bank of Wichita, Inc. Wichita 0.31% 3.35% 215 1.00% 73,299 55,006 62,122 88.6% 6,524 20.8% 6.9% 8.9% 0.6% 5.7% 1.2% 0.9% 4.67% 0.66% 5.30% 77.5%

Elk State Bank Clyde 0.31% 4.12% 161 0.34% 52,552 24,658 40,290 61.2% 3,985 3.5% 8.4% 7.6% 0.3% 3.1% 1.3% 0.2% 3.14% 0.94% 3.90% 87.4%

Chisholm Trail State Bank (S) Park City 0.30% 3.55% 220 0.37% 77,443 35,901 70,986 50.6% 6,391 -4.8% 6.6% 8.3% 0.9% 10.2% 1.5% 0.4% 3.20% 0.26% 3.46% 89.5%

Citizens State B&T Co. (S) Hiawatha 0.29% 2.11% 253 0.40% 90,209 35,041 71,241 49.2% 12,144 3.2% 8.7% 13.5% 0.0% 0.2% 1.0% 0.1% 2.24% 0.23% 2.46% 84.7%

Farmers SB of Blue Mound (S) Blue Mound 0.28% 1.89% 121 0.36% 42,619 27,063 35,803 75.6% 6,488 -6.3% -0.4% 15.2% 5.1% 30.8% 2.1% 0.0% 4.41% 0.46% 4.82% 89.6%

Vintage Bank Kansas (S) Leon 0.28% 2.32% 108 0.75% 52,259 28,284 44,974 62.9% 5,183 257.8% 256.1% 10.1% 0.4% 3.6% 0.7% 0.0% 3.94% 0.42% 4.32% 76.6%

Midland National Bank (S) Newton 0.28% 3.02% 378 0.25% 136,157 50,807 122,204 41.6% 12,979 -5.2% 3.0% 9.5% 2.8% 26.7% 2.4% 0.4% 3.07% 0.22% 3.28% 90.4%

State Bank of Spring Hill Spring Hill 0.28% 2.73% 111 0.29% 41,839 12,090 37,535 32.2% 4,148 16.2% 5.1% 9.9% 1.4% 13.8% 2.4% -0.2% 2.54% 0.21% 2.74% 84.8%

First National Bank (S) Goodland 0.27% 2.19% 514 0.38% 188,822 88,295 145,656 60.6% 24,266 8.3% -6.0% 12.9% 3.4% 24.0% 2.6% 0.8% 2.94% 0.37% 3.27% 88.2%

Downs Bank (S) Downs 0.27% 2.90% 49 0.28% 17,894 5,860 16,122 36.4% 1,749 -15.3% -4.7% 9.8% 1.3% 13.8% 2.5% -0.1% 3.27% 0.23% 3.50% 87.3%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Security State Bank (S) Wellington 0.25% 2.09% 159 1.10% 63,289 35,234 55,090 64.0% 7,944 -1.2% 4.6% 12.6% 1.2% 8.3% 3.0% 1.2% 4.27% 0.45% 4.68% 71.6%

Midwest Community Bank Plainville 0.25% 2.37% 179 0.88% 69,693 28,613 53,951 53.0% 7,630 -14.7% -4.6% 11.0% 0.5% 4.0% 0.9% 1.6% 3.13% 0.91% 3.95% 67.6%

First National Bank of Howard (S) Howard 0.22% 1.07% 18 0.30% 7,328 3,249 5,634 57.7% 1,672 28.7% -10.9% 22.8% 0.0% 0.0% 1.1% 0.0% 2.23% 0.19% 2.39% 87.6%

Emerald Bank Burden 0.22% 2.48% 40 0.35% 18,269 11,519 16,614 69.3% 1,634 -2.4% -0.6% 8.9% 1.9% 17.7% 2.4% 0.1% 4.40% 0.44% 4.83% 91.5%

Citizens State Bank (S) Morland 0.22% 2.56% 77 0.32% 37,387 27,656 31,786 87.0% 3,071 10.1% 6.7% 8.2% 0.3% 2.8% 1.1% 0.0% 3.48% 0.46% 3.90% 90.6%

Bank of the Prairie Olathe 0.21% 2.02% 165 0.40% 84,325 62,117 69,888 88.9% 8,302 14.1% 5.5% 9.9% 4.6% 42.0% 1.6% 0.3% 4.45% 0.61% 5.11% 90.4%

First National Bank of Beloit Beloit 0.20% 1.83% 154 0.60% 74,240 44,408 63,488 70.0% 8,514 9.6% 1.0% 11.5% 1.5% 12.7% 1.1% 0.6% 3.48% 0.39% 3.88% 79.1%

Argentine Federal Savings Kansas City 0.19% 1.51% 105 0.36% 53,532 38,206 41,208 92.7% 7,030 -2.5% -2.0% 13.1% 1.2% 9.0% 0.5% 0.1% 3.94% 1.22% 5.07% 89.1%

Gardner Bank Gardner 0.19% 2.36% 203 0.54% 119,429 51,947 89,939 57.8% 8,906 -1.2% 4.4% 7.5% 2.5% 31.5% 1.4% 0.6% 3.26% 0.50% 3.74% 84.2%

Carson Bank (S) Mulvane 0.19% 2.42% 194 0.28% 104,466 54,113 95,911 56.4% 8,394 19.0% 2.9% 8.0% 1.1% 13.2% 1.2% 0.1% 3.05% 0.15% 3.20% 91.7%

Alden State Bank Sterling 0.18% 1.72% 37 0.15% 20,737 9,858 18,514 53.3% 2,189 -7.2% 4.0% 10.6% 0.2% 1.4% 1.7% 0.2% 3.18% 0.33% 3.50% 93.8%

State Bank of Blue Rapids Blue Rapids 0.18% 1.83% 84 0.40% 45,682 22,719 40,744 55.8% 4,662 0.0% -4.2% 10.2% 0.9% 10.9% 0.9% 1.1% 2.46% 0.52% 2.93% 81.2%

Hillsboro State Bank Hillsboro 0.17% 1.99% 28 0.22% 17,083 6,756 15,421 43.8% 1,462 -11.4% -1.0% 8.6% 0.1% 0.8% 1.5% -0.2% 3.16% 0.16% 3.32% 92.4%

Home Savings Bank Chanute 0.17% 0.86% 111 0.08% 66,468 17,708 47,939 36.9% 13,456 6.6% -6.9% 20.2% 0.2% 1.2% 1.0% 0.0% 2.76% 0.48% 3.16% 96.4%

Walton State Bank Walton 0.17% 2.56% 17 0.22% 9,212 3,743 8,533 43.9% 670 1.0% 5.2% 7.3% 1.6% 20.9% 1.1% 0.1% 3.29% 0.22% 3.51% 94.3%

Blue Valley Ban Corp. Overland Park 0.13% 2.00% 822 0.39% 620,499 418,477 453,474 92.3% 23,535 1.1% 0.3% 3.8% 4.0% 47.9% 1.6% 1.0% 3.32% 0.79% 4.18% 87.3%

State Bank of Burrton Burrton 0.11% 1.08% 12 0.11% 10,778 4,043 9,658 41.9% 1,116 -9.6% -4.5% 10.4% 2.1% 18.2% 3.6% 0.0% 2.70% 0.47% 3.16% 96.2%

Bison State Bank Bison 0.05% 0.64% 5 -0.01% 9,762 3,002 8,761 34.3% 846 -16.7% -9.5% 8.7% 0.2% 1.6% 6.2% -0.3% 2.93% 0.19% 3.11% 100.3%

Commerce B&T Holding Co. (S) Topeka 0.04% 1.07% 364 0.06% 936,607 536,149 664,705 80.7% 38,611 7.9% -3.9% 4.1% 8.4% 155.4% 2.2% 1.1% 2.68% 0.73% 3.46% 95.9%

Citizens S&LA, FSB Leavenworth 0.02% 0.13% 46 -0.21% 199,084 82,046 134,576 61.0% 36,874 1.5% 0.3% 18.5% 1.1% 5.8% 1.1% 0.2% 1.94% 1.20% 2.92% 103.4%

Jamestown State Bank Jamestown 0.02% 0.13% 4 0.05% 19,729 6,268 16,475 38.1% 3,242 -2.8% 0.4% 16.4% 0.0% 0.8% 5.0% 0.0% 2.86% 0.24% 3.07% 92.8%

Prescott State Bank Prescott 0.01% 0.12% 2 0.13% 15,298 7,122 12,209 58.3% 1,733 2.6% 0.8% 11.3% 1.3% 11.0% 1.9% 0.5% 2.80% 0.91% 3.56% 94.5%

Towanda State Bank Towanda 0.01% 0.11% 1 0.04% 9,950 7,111 9,012 78.9% 881 2.8% 3.1% 8.9% 0.0% 4.4% 1.3% 0.0% 4.46% 0.57% 5.01% 99.2%

State Bank of Oskaloosa (S) Oskaloosa 0.00% 0.06% 1 0.01% 28,314 7,337 25,629 28.6% 2,357 -3.4% -0.7% 8.3% 0.6% 7.0% 1.0% 0.2% 2.18% 0.22% 2.40% 99.8%


Farmers State Bank Dwight -0.01% -0.10% (2) 0.02% 16,474 7,788 14,523 53.6% 1,932 -5.3% 11.0% 11.7% 0.0% 0.2% 1.6% 0.0% 3.25% 0.49% 3.68% 99.4%

Liberty Savings Association, FSA Fort Scott -0.01% -0.03% (2) -0.18% 36,624 10,306 30,228 34.1% 6,351 -3.7% -3.2% 17.3% 0.0% 0.0% 1.3% 0.0% 2.10% 0.70% 2.68% 108.5%

Conway Bank, NA Conway Springs -0.05% -0.40% (33) -0.88% 61,315 37,553 51,636 72.7% 8,199 2.6% -10.8% 13.4% 3.6% 25.6% 2.2% -0.2% 3.24% 0.64% 3.87% 125.4%

Brotherhood Bancshares, Inc. Kansas City -0.07% -0.66% (364) -0.15% 534,833 175,805 413,175 42.6% 45,726 -1.1% -1.6% 8.6% 2.2% 20.0% 2.7% 0.4% 3.08% 0.38% 3.48% 101.1%

Marquette Farmers SB Marquette -0.09% -0.72% (30) 0.64% 34,211 17,428 29,624 58.8% 4,301 -2.5% -1.0% 12.6% 3.7% 32.2% 2.3% 0.1% 3.34% 0.70% 4.03% 72.2%

Kaw Valley Bank Topeka -0.15% -1.42% (535) 0.46% 358,935 247,946 298,497 83.1% 38,681 1.4% -5.8% 10.8% 8.1% 68.9% 3.7% 0.6% 3.04% 1.21% 4.19% 86.3%

Piqua State Bank Piqua -0.15% -1.55% (40) -0.16% 26,333 10,982 23,688 46.4% 2,574 5.4% 2.1% 9.8% 2.3% 24.9% 2.1% 0.0% 3.20% 0.26% 3.44% 97.2%

University NB of Lawrence (S) Lawrence -0.18% -1.82% (123) -0.27% 71,963 44,407 62,050 71.6% 6,769 1.9% 1.6% 9.4% 5.4% 49.5% 2.3% 0.8% 3.11% 0.56% 3.67% 106.4%

Dickinson County Bank (S) Enterprise -0.18% -1.63% (18) -0.06% 11,752 6,448 10,636 60.6% 1,103 -10.5% 34.2% 9.4% 2.7% 31.9% 2.5% 1.7% 4.86% 0.48% 5.30% 101.2%

First Federal S&LA of Wakeeney WaKeeney -0.26% -2.24% (81) -0.28% 30,583 9,750 26,604 36.7% 3,576 -6.1% -2.8% 11.7% 0.2% 1.5% 1.6% 0.0% 2.29% 0.32% 2.58% 111.9%

Am. Bank of Baxter Springs (S) Baxter Springs -0.27% -3.00% (277) -0.57% 103,216 47,946 93,777 51.1% 9,294 -11.2% -0.7% 9.0% 12.3% 103.3% 6.5% 0.5% 2.15% 0.42% 2.54% 122.2%

Leonardville State Bank Leonardville -0.50% -4.53% (151) 0.13% 36,070 28,139 32,100 87.7% 3,872 67.7% 18.1% 10.7% 0.0% 15.1% 1.5% 0.0% 5.01% 0.89% 5.87% 97.2%

Heritage Bank (S) Topeka -0.59% -9.90% (296) -0.51% 50,317 39,158 44,140 88.7% 3,006 0.7% 1.3% 6.0% 6.0% 77.7% 2.3% 1.1% 3.91% 0.81% 4.68% 113.6%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio

Below 0.00% ROAA Banks (Continued)

First Fed. S&LA of Independence Independence -1.26% -13.13% (1,748) 0.39% 139,203 81,830 95,695 85.5% 13,280 -1.8% -5.4% 9.5% 1.2% 13.0% 2.1% 0.3% 3.36% 1.05% 4.41% 89.8%

TriCentury Bank (S) Simpson -1.65% -11.36% (60) -2.62% 3,994 1,508 3,008 50.1% 986 56.3% 21.0% 24.7% 0.7% 2.5% 3.2% -0.2% 6.16% 0.20% 6.44% 121.4%

Tightwad Bank Osage City -3.10% -29.29% (234) -3.11% 7,038 3,350 6,368 52.6% 669 -36.6% -13.8% 9.5% 0.7% 4.9% 10.1% -0.2% 2.74% 0.49% 3.18% 216.3%

Citizens State Bank and Trust Co. Woodbine -3.24% -31.20% (542) -0.48% 15,981 10,931 14,417 75.8% 1,036 8.1% 0.4% 6.7% 0.0% 0.3% 4.5% 1.4% 4.34% 0.29% 4.62% 111.2%

Average 0.67% 6.21% 1,722 1.02% 231,172 136,013 177,938 67.5% 25,107 7.6% 5.4% 10.9% 1.2% 11.7% 1.8% 0.2% 3.50% 0.53% 4.00% 72.3%

Median 0.70% 6.58% 616 1.03% 90,590 51,280 75,520 68.4% 9,478 6.4% 2.6% 10.1% 0.6% 6.1% 1.5% 0.0% 3.41% 0.47% 3.92% 71.3%






2014 Q2

Missouri Financial

Performance Report

member SIPC


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Dickinson Financial Corp. II Kansas City 8.86% 39.23% 182,040 2.95% 2,054,715 830,406 1,372,540 60.5% 385,765 36.4% -6.2% 18.9% 3.4% 12.0% 4.6% 1.1% 2.26% 0.64% 2.79% 67.9%

Reliance Bancshares, Inc. Frontenac 4.32% 52.98% 44,555 0.53% 1,088,685 644,007 845,806 76.1% 92,607 11.0% 2.5% 8.5% 2.6% 19.3% 1.9% 0.8% 2.70% 0.80% 3.51% 79.4%

First Banks, Inc. Clayton 3.92% NM 236,207 -0.87% 5,839,870 2,952,119 4,806,080 61.4% 86,642 3.9% -10.6% 1.5% 3.6% 43.1% 2.6% 0.1% 2.68% 0.42% 3.09% 76.5%

Mid America Bank & Trust Co. Dixon 2.80% 22.94% 3,992 4.29% 145,588 96,214 122,454 78.6% 18,036 1.4% -1.3% 12.6% 0.8% 6.2% 1.2% 0.2% 4.12% 0.71% 4.78% 42.6%

Peoples Community Bank (S) Greenville 2.14% 14.41% 5,036 3.09% 311,713 211,791 260,039 81.5% 48,307 81.3% 98.0% 15.6% 0.6% 3.6% 1.6% 0.1% 5.11% 0.70% 5.69% 43.8%

Wells Bank of Platte City (S) Platte City 1.79% 20.05% 1,915 2.77% 109,927 81,771 93,123 87.8% 10,229 9.6% 4.4% 9.3% 0.0% 0.0% 1.4% 0.0% 4.76% 0.51% 5.22% 44.0%

Cass Information Systems, Inc. Saint Louis 1.68% 12.54% 23,238 2.12% 1,351,711 665,703 551,511 120.7% 188,110 -0.6% 1.9% 14.1% 0.1% 0.6% 1.8% -0.1% 3.03% 0.48% 3.25% 70.9%

NASB Financial, Inc. Grandview 1.67% 9.81% 19,285 2.14% 1,207,009 826,395 751,846 109.9% 203,330 3.2% -6.9% 16.9% 4.6% 25.5% 1.7% 0.2% 4.01% 0.71% 4.58% 72.5%

Bank of Advance (S) Advance 1.63% 11.09% 4,855 2.70% 301,318 223,734 253,632 88.2% 46,051 9.5% 4.5% 15.3% 1.0% 9.0% 2.0% 0.4% 4.74% 0.57% 5.26% 48.1%

Missouri Bank II (S) Sedalia 1.63% 15.48% 1,342 2.49% 81,380 56,564 70,318 80.4% 9,010 -8.4% -3.6% 11.1% 3.4% 26.5% 2.7% -0.1% 4.18% 0.45% 4.60% 52.6%

Bloomsdale Bank (S) Bloomsdale 1.61% 17.12% 3,145 2.31% 200,973 113,904 181,176 62.9% 19,236 3.4% 1.7% 9.6% 0.8% 7.8% 1.3% 0.3% 3.96% 0.48% 4.42% 47.9%

Bank of Grandin (S) Grandin 1.53% 11.46% 2,492 2.05% 163,172 75,693 139,985 54.1% 22,740 2.7% -1.8% 13.9% 3.0% 20.4% 1.8% 0.5% 3.64% 0.89% 4.44% 41.2%

Liberty Bancshares, Inc. Springfield 1.53% 16.65% 16,231 2.42% 1,058,974 802,472 881,192 91.1% 100,118 -3.3% -1.7% 9.5% 1.0% 9.9% 1.4% 0.3% 4.48% 0.40% 4.89% 54.2%

Bank Northwest (S) Hamilton 1.51% 17.56% 1,543 2.32% 103,365 78,101 93,266 83.7% 8,912 12.3% 2.9% 8.6% 1.4% 15.5% 0.9% 0.2% 4.40% 0.69% 5.08% 50.3%

First Missouri State Bank (S) Poplar Bluff 1.50% 14.56% 2,333 2.37% 154,044 135,490 132,047 102.6% 17,133 5.8% -9.1% 11.1% 2.3% 18.5% 1.5% 0.3% 4.28% 0.63% 4.85% 46.1%

West Plains B&T Company (S) West Plains 1.47% 15.18% 4,655 1.98% 327,626 193,647 259,753 74.6% 32,773 -2.4% 3.8% 10.0% 0.6% 5.7% 1.6% 0.0% 3.63% 0.47% 4.03% 52.9%

Progressive Ozark Bank (S) Salem 1.47% 14.80% 1,751 2.25% 121,771 86,794 109,248 79.5% 11,798 -0.9% 1.0% 9.7% 0.9% 8.6% 1.0% 0.1% 4.53% 0.35% 4.86% 63.1%

Bank of Versailles Versailles 1.46% 15.57% 3,275 0.53% 220,479 180,130 197,050 91.4% 23,136 6.9% 3.7% 10.5% 9.1% 67.7% 3.7% 0.1% 3.53% 0.40% 3.92% 83.6%

HNB National Bank (S) Hannibal 1.46% 12.95% 5,861 2.51% 398,512 333,830 346,302 96.4% 44,732 4.9% -4.0% 11.3% 1.4% 11.8% 1.2% 0.3% 4.47% 0.43% 4.89% 51.7%

Pony Express Bank (S) Liberty 1.44% 10.19% 1,947 2.20% 138,174 111,591 118,665 94.0% 15,934 7.2% 2.6% 11.8% 2.5% 19.9% 1.2% 0.1% 4.77% 0.30% 5.06% 54.5%

Lamar Bank and Trust Company (S) Lamar 1.43% 15.66% 1,895 2.19% 135,963 88,952 122,325 72.7% 12,705 4.6% 3.1% 9.3% 0.2% 1.8% 1.2% 0.0% 3.83% 0.56% 4.37% 50.3%

Tri-County Trust Company (S) Glasgow 1.41% 14.80% 766 1.88% 54,926 34,459 49,221 70.0% 5,506 -1.0% 0.8% 10.0% 0.7% 6.1% 2.3% -0.4% 4.19% 0.79% 4.93% 53.0%

BTC Bank Bethany 1.39% 11.94% 4,945 2.20% 366,298 241,229 314,218 76.8% 42,660 12.9% 2.5% 11.7% 1.4% 12.7% 0.9% 0.5% 3.87% 0.75% 4.56% 44.2%

Putnam County State Bank Unionville 1.37% 12.32% 2,162 2.49% 160,741 136,219 139,817 97.4% 18,463 9.7% 1.9% 11.5% 0.0% 2.5% 1.2% 0.1% 3.94% 1.22% 5.16% 37.1%

Citizens Bank of Charleston Charleston 1.36% 9.77% 1,713 2.06% 124,470 85,415 106,022 80.6% 18,367 1.7% 2.9% 14.8% 1.1% 6.6% 2.1% 0.1% 3.78% 0.47% 4.21% 47.9%

Century Bank of the Ozarks (S) Gainesville 1.36% 14.02% 2,266 2.21% 169,050 125,578 151,083 83.1% 15,498 -1.5% -0.1% 9.2% 1.0% 11.0% 2.0% 0.2% 4.83% 0.57% 5.39% 58.3%

Security Bank of SW Missouri (S) Cassville 1.35% 15.24% 1,065 2.07% 79,812 51,867 71,702 72.3% 7,507 3.4% 4.5% 9.4% 1.8% 21.7% 1.3% 0.2% 4.14% 0.67% 4.75% 55.9%

New Era Bank (S) Fredericktown 1.35% 10.85% 3,605 2.01% 268,953 177,942 234,213 76.0% 30,378 3.1% 1.3% 11.4% 0.7% 6.0% 0.9% 0.0% 3.26% 0.41% 3.64% 46.6%

Citizens Bank of Edina Edina 1.34% 12.38% 891 2.77% 66,373 56,344 57,239 98.4% 7,236 7.8% -0.8% 10.9% 0.1% 0.8% 1.0% 0.4% 4.50% 0.42% 4.89% 39.5%

Comm. Bank of El D. Springs (S) El Dorado Springs 1.33% 9.48% 1,339 1.97% 103,063 42,659 88,094 48.4% 14,892 2.0% 2.5% 14.5% 1.3% 8.9% 2.3% 0.0% 3.05% 0.56% 3.54% 38.3%

Citizens-Farmers Bank of C. Camp Cole Camp 1.32% 8.06% 1,400 2.04% 112,649 70,915 94,499 75.0% 17,812 1.3% 10.9% 15.8% 1.4% 8.3% 1.2% 0.3% 3.59% 0.67% 4.18% 47.3%

Nodaway Valley Bancshares (S) Maryville 1.32% 16.35% 10,672 2.13% 817,505 571,655 694,953 82.3% 54,401 4.3% 2.0% 6.8% 1.0% 13.2% 1.8% 0.1% 3.76% 0.59% 4.34% 52.8%

Bank of Cairo and Moberly Moberly 1.30% 8.22% 1,307 1.72% 89,140 56,829 71,767 79.2% 16,341 8.6% -13.0% 18.3% 1.3% 6.8% 1.0% 0.0% 3.61% 0.18% 3.77% 52.7%

America's Community Bank (S) Blue Springs 1.29% 10.93% 348 1.76% 26,416 20,572 21,805 94.4% 3,368 1.1% -11.5% 12.8% 0.2% 7.6% 2.4% 0.0% 3.98% 0.75% 4.65% 66.6%

Bank of St. Elizabeth (S) Saint Elizabeth 1.28% 11.04% 1,335 2.05% 108,208 85,264 92,949 91.7% 9,604 8.5% 9.5% 9.1% 0.7% 7.6% 0.8% 0.0% 4.71% 0.65% 5.33% 56.7%

Missouri Bank (S) Warrenton 1.23% 11.41% 2,461 1.64% 194,049 121,623 167,316 72.7% 22,443 -3.8% -1.9% 11.6% 1.4% 11.4% 1.4% 0.3% 4.03% 0.45% 4.45% 53.1%

Community First Banking Co. (S) West Plains 1.23% 9.81% 1,789 1.75% 151,663 109,818 131,550 83.5% 19,393 2.5% 4.7% 12.8% 1.6% 11.2% 1.6% 0.3% 4.09% 0.58% 4.63% 58.9%

Peoples Bank (S) Cuba 1.22% 11.52% 2,330 1.93% 193,321 143,077 161,750 88.5% 20,483 6.0% 2.3% 10.6% 1.4% 12.2% 1.2% 0.2% 4.35% 0.73% 5.03% 58.6%

Commerce Bancshares, Inc. Kansas City 1.20% 11.95% 264,983 1.90% 23,016,162 11,459,297 18,941,615 60.5% 1,968,582 10.4% 5.8% 8.6% 0.7% 7.5% 1.4% 0.3% 2.93% 0.12% 3.06% 58.0%

Profitability & Returns (LTM) Growth (Annual) Performance Ratios (LTM)Capital & Credit QualityBalance Sheet ($000s)

Summary of financial performance for banks and thrifts headquartered in Missouri as of 2014 Q2


2014 Q2 Missouri Financial Performance Report


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Northeast Missouri State Bank (S) Kirksville 1.19% 9.85% 1,116 1.48% 97,046 40,340 85,046 47.4% 9,630 1.6% 2.1% 10.2% 0.0% 0.1% 2.1% 0.0% 3.14% 0.51% 3.62% 51.1%

Adrian Bank (S) Adrian 1.18% 12.87% 1,517 1.89% 131,598 90,931 118,409 76.8% 12,592 3.8% 5.0% 9.6% 0.5% 10.1% 1.1% 0.4% 4.17% 0.68% 4.82% 56.3%

Investors Community Bank Chill icothe 1.16% 9.04% 765 1.28% 66,870 24,570 54,138 45.4% 8,584 2.8% -1.3% 12.8% 0.7% 4.7% 2.6% 0.0% 3.25% 0.39% 3.59% 55.3%

Bank of Old Monroe Old Monroe 1.15% 10.63% 3,572 1.77% 308,611 146,502 267,827 54.7% 37,913 12.1% 7.8% 12.3% 0.2% 1.3% 3.7% 0.1% 3.29% 0.73% 3.96% 46.5%

Community Bank of Raymore (S) Raymore 1.15% 15.32% 2,048 2.27% 180,893 121,452 165,237 73.5% 14,003 18.4% 3.1% 7.8% 3.2% 35.2% 1.9% 0.1% 3.12% 0.28% 3.40% 65.3%

Senath State Bank (S) Senath 1.14% 8.18% 795 1.74% 68,861 39,820 58,943 67.6% 9,786 -3.9% -1.5% 14.2% 0.2% 5.6% 2.2% 0.3% 3.77% 0.29% 4.03% 59.5%

Regional Missouri Bank (S) Marceline 1.14% 12.94% 1,920 1.69% 190,889 132,316 170,610 77.6% 14,817 15.7% 16.8% 7.8% 1.3% 14.9% 1.0% 0.0% 3.81% 0.64% 4.44% 54.1%

Alton Bank (S) Alton 1.12% 9.95% 669 1.58% 64,337 31,939 55,090 58.0% 7,058 -4.5% 9.9% 11.0% 1.3% 15.0% 1.3% 0.2% 3.95% 0.71% 4.60% 59.8%

Legends Bank Linn 1.11% 6.96% 3,049 1.80% 288,676 208,128 236,208 88.1% 44,704 12.1% 7.3% 15.5% 1.9% 14.7% 1.1% 0.3% 3.70% 0.32% 3.98% 56.8%

St. Louis Bancshares, Inc. Town And Country 1.11% 16.16% 4,317 0.29% 386,462 241,627 341,273 70.8% 28,637 -3.1% -3.2% 7.4% 8.4% 90.3% 2.5% 0.8% 2.79% 0.75% 3.55% 88.2%

People's Bank of Seneca Seneca 1.10% 12.05% 1,191 1.99% 115,211 81,541 104,511 78.0% 10,368 8.9% 22.6% 9.0% 1.3% 13.1% 1.7% 0.2% 4.06% 0.77% 4.80% 59.2%

Bank of Odessa Odessa 1.10% 5.26% 2,561 1.62% 239,292 117,390 189,746 61.9% 48,812 9.0% 4.1% 20.4% 2.5% 14.6% 1.1% 0.2% 2.98% 0.37% 3.28% 47.7%

Platte Valley Bank of Missouri (S) Platte City 1.10% 12.90% 4,452 1.59% 413,416 280,967 353,741 79.4% 36,652 7.7% 5.3% 8.9% 0.3% 3.0% 1.7% 0.0% 4.10% 0.33% 4.41% 66.7%

Southern Missouri Bancorp, Inc. Poplar Bluff 1.09% 9.55% 10,081 1.66% 1,021,422 810,315 785,802 103.1% 87,213 23.6% 24.3% 8.6% 0.9% 7.8% 1.1% 0.1% 3.85% 0.92% 4.72% 58.2%

Alliance Bank Cape Girardeau 1.08% 9.45% 1,683 1.75% 164,998 129,782 143,724 90.3% 18,745 11.8% 9.4% 11.4% 0.4% 2.8% 1.5% 0.2% 4.23% 0.42% 4.63% 60.2%

Montrose Savings Bank (S) Montrose 1.07% 8.63% 464 1.54% 43,650 23,459 38,006 61.7% 5,571 -1.7% 2.8% 12.8% 0.7% 5.3% 1.2% 0.0% 3.61% 0.65% 4.23% 54.1%

United Security Bank (S) Auxvasse 1.07% 7.45% 556 1.37% 52,415 34,866 44,555 78.3% 7,789 7.7% -1.1% 14.9% 0.0% 0.2% 1.2% 0.0% 4.21% 0.45% 4.61% 64.9%

First State B&T Company, Inc. (S) Caruthersville 1.06% 10.71% 3,535 1.60% 343,147 226,292 281,420 80.4% 35,808 2.0% 1.3% 10.4% 0.2% 1.6% 1.6% 0.1% 4.18% 0.33% 4.50% 65.5%

Independent Farmers Bank Maysville 1.05% 11.57% 1,085 1.29% 105,590 41,026 93,975 43.7% 10,034 -2.7% 4.6% 9.5% 0.8% 8.1% 1.6% 0.1% 3.61% 0.60% 4.19% 61.8%

Royal Banks of Missouri Saint Louis 1.04% 8.59% 4,425 1.56% 421,169 330,728 355,144 93.1% 53,315 5.1% -6.1% 12.7% 7.9% 57.2% 1.5% 0.5% 3.63% 0.58% 4.17% 58.3%

Mid America Bank (S) Linn 1.04% 14.00% 3,637 1.70% 347,964 262,178 316,125 82.9% 25,712 6.4% 5.8% 7.4% 0.6% 7.1% 1.6% 0.1% 3.68% 0.49% 4.16% 53.8%

Central Bancompany, Inc. Jefferson City 1.03% 7.65% 108,308 1.59% 10,848,073 6,478,944 8,032,170 80.7% 1,221,401 3.7% 2.8% 11.5% 1.3% 10.4% 2.0% 0.2% 3.39% 0.23% 3.60% 62.7%

Farmers Bank of N. Missouri Unionville 1.03% 9.14% 3,339 1.38% 325,431 181,065 274,934 65.9% 34,615 9.8% 0.8% 10.8% 0.3% 3.0% 1.6% 0.2% 3.35% 0.49% 3.80% 60.1%

Jonesburg State Bank (S) Jonesburg 1.02% 12.03% 684 1.63% 67,605 53,083 61,630 86.1% 5,722 4.2% -0.5% 8.5% 0.3% 2.8% 1.4% 0.0% 4.43% 0.50% 4.91% 66.9%

Corner Stone Bank (S) South West City 1.01% 9.07% 1,270 1.92% 127,814 91,474 112,497 81.3% 14,919 7.8% 4.4% 11.7% 3.5% 28.7% 2.0% 0.6% 5.39% 0.64% 5.98% 67.0%

Home Exchange Bank (S) Jamesport 1.01% 9.18% 1,142 1.92% 122,484 47,242 91,588 51.6% 13,342 6.3% 22.9% 10.9% 0.6% 4.6% 6.4% 0.0% 3.15% 0.81% 3.77% 41.8%

Great Southern Bancorp, Inc. Springfield 1.01% 9.58% 36,984 1.40% 3,921,460 2,838,460 3,208,754 88.5% 333,223 18.8% 6.3% 8.5% 3.5% 32.3% 1.3% 0.4% 4.72% 0.50% 5.25% 67.4%

Kearney Trust Company (S) Kearney 1.00% 9.32% 1,502 1.50% 152,838 94,820 136,072 69.7% 16,374 7.7% 1.9% 10.7% 0.5% 4.7% 1.6% 0.1% 3.63% 0.33% 3.93% 61.7%

Citizens Bank (S) Amsterdam 1.00% 13.52% 553 1.68% 57,156 47,705 49,501 96.4% 4,023 7.8% 3.5% 7.0% 2.5% 32.7% 0.9% 0.2% 5.56% 0.44% 6.00% 71.2%

Old Missouri Bank Springfield 1.00% 11.42% 1,663 1.97% 181,967 161,899 154,102 105.1% 15,457 19.4% 14.6% 8.5% 1.7% 17.9% 1.1% 0.5% 4.42% 0.68% 5.06% 56.0%

0.50% - 1.00% ROAA Banks

Farmers Bank of Lincoln (S) Lincoln 0.99% 10.30% 987 1.53% 102,128 74,988 86,791 86.4% 9,826 4.9% 2.8% 9.6% 1.6% 15.6% 1.3% 0.0% 3.82% 0.74% 4.49% 60.7%

Sterling Bank Poplar Bluff 0.99% 10.74% 4,955 1.32% 510,269 409,946 417,097 98.3% 48,330 29.4% 16.2% 9.5% 0.4% 3.4% 1.1% 0.0% 3.76% 0.85% 4.59% 63.3%

Bank of Urbana Urbana 0.99% 7.18% 1,671 1.26% 176,039 74,483 150,702 49.4% 24,830 -3.9% 3.8% 14.1% 0.5% 6.1% 1.5% 0.2% 3.54% 0.45% 3.95% 62.0%

First Midwest Bank of the Ozarks Piedmont 0.99% 10.30% 1,114 1.55% 111,923 81,337 94,506 86.1% 10,804 5.0% -1.3% 9.7% 1.0% 10.6% 1.2% 0.1% 3.97% 0.72% 4.68% 65.8%

Metz Banking Company (S) Nevada 0.98% 9.77% 687 1.55% 71,643 49,596 64,217 77.2% 7,356 3.8% 4.9% 10.3% 1.8% 16.2% 1.2% 0.0% 3.99% 0.56% 4.53% 59.3%

Maries County Bank Vienna 0.98% 7.92% 3,379 1.31% 356,174 190,513 290,016 65.7% 45,567 1.5% 1.7% 12.8% 0.9% 6.6% 1.9% 0.3% 3.84% 0.85% 4.63% 63.6%

St. Clair County State Bank Osceola 0.98% 8.38% 1,232 1.57% 130,089 95,399 114,361 83.4% 15,102 5.3% 7.2% 11.6% 0.3% 6.4% 1.4% 0.0% 3.28% 0.87% 4.07% 54.4%




2014 Q2 Missouri Financial Performance Report (Cont.)


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Farmers State Bank Stanberry (S) Stanberry 0.98% 7.18% 570 1.50% 58,731 25,474 50,733 50.2% 7,961 -8.1% 0.5% 13.6% 0.3% 1.8% 2.4% 0.0% 3.27% 0.46% 3.69% 54.8%

First Midwest Bank of P. Bluff (S) Poplar Bluff 0.97% 11.17% 2,940 1.95% 311,120 259,720 264,313 98.3% 26,772 9.7% 8.0% 8.6% 0.6% 8.4% 1.3% 0.4% 4.23% 0.75% 4.94% 59.0%

First Community National Bank (S) Cuba 0.97% 12.14% 2,082 1.71% 220,143 144,837 175,749 82.4% 18,180 -0.9% 3.1% 8.3% 2.8% 31.3% 1.2% 1.9% 4.17% 0.87% 5.05% 68.1%

Hamilton Bank (S) Hamilton 0.97% 11.02% 602 1.27% 66,071 37,648 59,682 63.1% 5,799 9.9% 9.0% 8.8% 1.4% 17.6% 0.6% 0.0% 3.74% 0.59% 4.31% 66.1%

Bank of New Madrid (S) New Madrid 0.97% 10.99% 898 0.90% 93,490 36,258 82,167 44.1% 9,111 -2.6% 6.2% 9.8% 0.4% 5.1% 1.0% 0.2% 3.88% 0.42% 4.28% 68.9%

Bank of Grain Valley (S) Kansas City 0.96% 4.71% 816 1.39% 81,933 40,035 64,340 62.2% 17,497 2.7% -6.9% 21.4% 0.1% 0.4% 2.1% -0.2% 3.38% 0.22% 3.56% 58.6%

Table Rock Community Bank Kimberling City 0.96% 11.37% 537 1.69% 58,886 45,227 53,815 84.0% 4,891 10.9% 6.0% 8.3% 1.7% 18.7% 1.1% 0.5% 4.79% 0.69% 5.48% 62.8%

First State Bancshares, Inc. Farmington 0.96% 10.48% 16,085 1.50% 1,715,576 1,177,083 1,405,359 83.8% 127,829 9.9% 2.1% 7.6% 1.3% 16.3% 1.2% 0.2% 3.67% 0.43% 4.16% 64.8%

United State Bank (S) Lewistown 0.96% 10.86% 1,207 1.58% 130,513 96,646 113,581 85.1% 11,546 8.8% 12.3% 8.9% 0.3% 3.5% 1.4% 0.0% 3.91% 0.79% 4.69% 60.1%

Wood & Huston Bancorp, Inc. (S) Marshall 0.96% 8.83% 5,313 1.58% 584,531 451,561 483,826 93.3% 63,625 16.2% 0.2% 10.9% 0.7% 6.0% 1.6% 0.2% 3.65% 0.42% 4.09% 64.7%

Bank of Hillsboro Hillsboro 0.95% 8.43% 555 1.12% 58,313 34,114 51,239 66.6% 6,306 16.8% 2.0% 10.8% 1.6% 13.9% 1.6% -0.1% 3.86% 0.42% 4.25% 64.0%

UNICO Bank (S) Mineral Point 0.95% 12.70% 2,392 1.16% 244,242 136,681 214,978 63.6% 20,173 7.8% 1.4% 8.3% 1.3% 14.5% 0.9% 0.1% 3.42% 0.79% 4.19% 68.5%

Concordia Bank (S) Concordia 0.95% 9.40% 553 1.48% 58,372 42,071 52,419 80.3% 5,855 -5.5% -4.2% 10.0% 1.2% 11.4% 0.8% 0.2% 4.61% 0.35% 4.95% 69.1%

Chill icothe State Bank (S) Chill icothe 0.95% 10.99% 1,234 1.52% 131,216 70,231 115,019 61.1% 11,278 -0.7% 0.5% 8.6% 1.2% 13.2% 1.5% 0.1% 3.21% 0.27% 3.47% 57.6%

American Bank of Missouri Wellsvil le 0.94% 6.97% 1,173 1.57% 132,805 103,071 97,814 105.4% 13,819 10.8% -2.4% 10.7% 2.2% 18.6% 1.5% 0.4% 4.26% 0.60% 4.82% 67.0%

Bank Star of the BootHeel Steele 0.92% 11.01% 922 1.51% 103,765 78,326 86,156 90.9% 8,598 0.7% -4.3% 8.3% 0.6% 8.2% 1.6% 0.2% 4.53% 0.40% 4.92% 70.6%

Citizens Bank & Trust (S) Rock Port 0.92% 8.61% 790 1.26% 89,801 34,002 77,498 43.9% 9,616 -2.9% 7.2% 10.7% 0.4% 3.0% 1.9% 0.0% 3.10% 0.23% 3.31% 62.3%

HOMEBANK (S) Palmyra 0.92% 9.61% 1,455 1.46% 165,263 130,312 136,606 95.4% 15,569 13.2% 6.2% 9.4% 0.7% 7.3% 0.9% 0.0% 4.01% 0.61% 4.60% 65.3%

Bank of Monticello (S) Monticello 0.91% 9.20% 922 1.33% 103,249 73,828 83,385 88.5% 10,430 11.1% 10.8% 10.1% 2.2% 20.7% 1.9% 0.1% 3.57% 0.87% 4.31% 62.2%

Community SB of Missouri (S) Bowling Green 0.91% 7.69% 1,954 1.32% 215,257 119,050 187,768 63.4% 26,162 5.7% 4.0% 12.2% 0.0% 0.3% 1.3% 0.0% 3.38% 0.61% 3.96% 61.7%

Community First Bank (S) Butler 0.90% 10.14% 1,385 1.56% 159,708 125,067 139,968 89.4% 13,324 8.6% 6.7% 8.4% 0.9% 9.7% 1.1% 0.3% 3.65% 0.88% 4.48% 59.5%

Town and Country Bancshares, Inc. (S)Salem 0.89% 9.50% 4,568 1.46% 504,206 370,177 422,177 87.7% 42,104 -3.4% -1.9% 8.4% 1.0% 10.4% 1.5% 0.3% 3.76% 0.62% 4.39% 64.3%

American Trust Bank Kirksville 0.88% 9.22% 512 1.55% 59,609 45,960 48,196 95.4% 5,812 2.1% 6.9% 9.8% 0.6% 5.8% 1.4% 0.2% 3.70% 1.22% 4.73% 60.5%

Parkside Financial Bank & Trust Clayton 0.88% 9.25% 2,625 1.92% 326,059 260,924 265,717 98.2% 29,783 6.8% 30.5% 9.1% 0.1% 0.9% 1.6% 0.1% 3.77% 0.64% 4.36% 62.1%

Preferred Bank (S) Rothville 0.87% 11.37% 957 1.18% 108,680 40,476 98,283 41.2% 9,009 -0.7% -2.9% 8.3% 0.2% 3.3% 1.1% 0.1% 3.12% 0.26% 3.38% 61.0%

Security Bank of the Ozarks (S) Eminence 0.87% 9.56% 397 1.25% 45,408 33,011 40,441 81.6% 3,756 10.4% 2.9% 8.4% 0.3% 3.5% 1.0% 0.0% 4.98% 0.56% 5.57% 76.5%

Bank of Ash Grove Ash Grove 0.87% 5.60% 636 0.98% 73,220 25,972 67,046 38.7% 5,563 -6.5% 8.3% 7.6% 2.3% 28.4% 1.7% 0.0% 3.04% 0.41% 3.40% 60.1%

Landrum Company Columbia 0.87% 18.15% 16,773 1.44% 2,037,152 1,275,322 1,743,670 73.1% 104,311 3.9% 5.9% 5.1% 0.9% 14.2% 1.7% 0.1% 4.00% 0.34% 4.34% 69.7%

Seymour Bank Seymour 0.86% 7.11% 1,197 1.14% 141,141 79,929 118,877 67.2% 17,455 -3.3% 0.9% 12.4% 0.6% 4.4% 1.4% 0.3% 3.86% 1.18% 4.95% 72.1%

Bank CBO Oregon 0.86% 11.24% 444 1.30% 55,763 30,979 44,249 70.0% 4,379 45.2% 14.3% 7.9% 0.0% 0.4% 1.4% -0.1% 3.64% 0.30% 3.89% 63.1%

KCB Bank (S) Kearney 0.86% 7.32% 1,743 1.10% 202,357 117,511 163,762 71.8% 25,219 -10.4% -5.9% 12.5% 2.3% 17.2% 1.7% 0.0% 3.99% 0.49% 4.45% 71.3%

Central Bank (S) Lebanon 0.86% 7.82% 2,176 1.28% 258,436 183,935 222,438 82.7% 28,825 0.8% 4.1% 11.2% 0.3% 2.5% 1.3% 0.1% 3.81% 0.63% 4.41% 69.5%

Guaranty Federal Bancshares, Inc. Springfield 0.85% 10.45% 5,359 1.29% 620,071 462,162 481,808 95.9% 58,104 -1.5% -6.0% 9.4% 1.8% 17.0% 1.5% 0.7% 3.51% 0.79% 4.27% 66.3%

Citizens Bank of Eldon Eldon 0.85% 6.00% 1,032 1.35% 126,063 82,466 107,232 76.9% 17,556 19.3% 5.3% 13.9% 1.1% 7.4% 0.9% 0.1% 3.48% 0.28% 3.74% 64.9%

Silex Banking Company Silex 0.85% 5.87% 595 1.10% 73,728 28,313 63,334 44.7% 10,252 3.7% 7.8% 13.9% 0.0% 0.0% 1.9% -0.1% 2.98% 0.50% 3.41% 58.2%

F & C Bank (S) Holden 0.85% 7.48% 1,164 1.40% 149,054 117,899 128,471 91.8% 15,785 7.8% 20.3% 10.6% 1.7% 14.6% 1.5% 0.2% 5.25% 0.49% 5.73% 74.1%

HomePride Bank (S) Mansfield 0.84% 8.58% 773 1.75% 93,694 70,830 83,696 84.6% 9,516 17.0% 5.2% 10.2% 1.7% 17.0% 1.4% 0.0% 4.55% 0.61% 5.13% 60.4%

S. Missouri Bank of Marshfield Marshfield 0.84% 7.77% 800 0.89% 93,129 69,207 74,728 92.6% 10,046 -5.8% -0.6% 10.8% 0.9% 7.7% 1.8% 0.0% 4.26% 0.85% 5.13% 80.6%

First Midwest Bank of Dexter Dexter 0.84% 8.97% 2,259 1.43% 274,785 198,803 238,376 83.4% 26,131 7.6% 2.2% 9.5% 1.3% 13.0% 1.3% 0.1% 3.68% 0.59% 4.27% 66.5%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


OakStar Bank Springfield 0.84% 8.29% 2,164 1.59% 283,805 248,818 247,085 100.7% 27,629 23.9% 23.6% 9.7% 0.8% 6.9% 1.6% 0.0% 3.69% 0.54% 4.22% 71.1%

Community National Bank (S) Monett 0.84% 8.08% 741 1.25% 91,639 62,105 81,779 75.9% 9,055 11.9% 7.1% 9.9% 0.5% 4.3% 1.3% 0.1% 3.64% 0.27% 3.90% 70.9%

United Bank of Union (S) Union 0.84% 8.18% 2,476 1.53% 295,273 216,364 260,065 83.2% 30,766 2.3% -2.6% 10.4% 6.0% 50.4% 2.2% 0.4% 3.49% 0.70% 4.12% 61.3%

Heritage State Bank (S) Nevada 0.83% 9.53% 1,042 1.16% 128,611 97,295 105,523 92.2% 11,242 9.8% 11.4% 8.8% 0.1% 1.4% 1.7% 0.0% 4.02% 0.67% 4.67% 72.8%

BankLiberty Liberty 0.82% 6.10% 3,915 1.41% 483,308 342,645 400,209 85.6% 61,664 -1.4% 8.8% 12.9% 4.3% 31.0% 1.8% 0.4% 4.50% 0.46% 4.97% 68.6%

Community Bank, NA (S) Summersville 0.81% 8.09% 412 0.86% 51,596 29,807 46,273 64.4% 5,164 -1.2% -0.3% 10.0% 0.2% 2.0% 1.4% 0.2% 4.97% 0.67% 5.69% 82.9%

Enterprise Financial Services Corp. Clayton 0.81% 8.86% 25,039 1.58% 3,175,485 2,375,026 2,466,118 96.3% 266,463 5.4% 4.1% 8.5% 0.9% 10.2% 1.9% 0.2% 4.37% 0.55% 4.92% 62.7%

UMB Financial Corporation Kansas City 0.81% 8.61% 127,180 1.21% 15,562,690 6,923,839 12,174,289 56.9% 1,341,696 9.1% 3.8% 8.8% 0.2% 2.0% 1.1% 0.2% 2.39% 0.10% 2.49% 74.3%

Callaway Bank Fulton 0.81% 8.77% 2,454 1.40% 309,121 201,280 260,983 77.1% 29,493 8.8% 5.0% 9.5% 5.3% 49.1% 1.9% 0.4% 3.69% 0.26% 3.95% 68.7%

Belgrade State Bank Belgrade 0.80% 8.38% 1,720 1.64% 221,981 160,583 199,919 80.3% 20,742 6.0% 9.1% 9.3% 2.2% 21.8% 1.6% 0.6% 4.31% 0.51% 4.80% 68.8%

First National Bank of Nevada Nevada 0.80% 6.48% 780 1.00% 98,660 45,844 85,346 53.7% 12,659 12.8% 4.0% 12.8% 0.6% 4.3% 1.3% 0.0% 3.44% 0.31% 3.72% 66.5%

Carroll County Trust Company (S) Carrollton 0.79% 8.70% 1,163 1.00% 147,347 58,949 118,876 49.6% 14,714 6.7% 15.1% 10.0% 0.5% 5.1% 1.6% 0.0% 3.22% 0.52% 3.72% 67.4%

MRV Banks Sainte Genevieve 0.79% 7.30% 834 1.41% 114,791 95,024 101,646 93.5% 12,502 35.2% 25.9% 10.9% 0.1% 1.1% 1.5% 0.0% 3.81% 0.72% 4.48% 61.7%

First Missouri SB of Cape Cty (S) Cape Girardeau 0.78% 8.93% 975 1.31% 125,108 107,675 107,787 99.9% 11,161 1.6% 1.2% 8.9% 2.2% 21.4% 1.6% 0.2% 3.99% 0.47% 4.44% 67.8%

First Missouri Bank (S) Brookfield 0.78% 7.60% 1,218 1.48% 157,317 125,785 138,884 90.6% 16,797 2.9% 6.5% 10.7% 0.6% 5.6% 1.3% 0.1% 4.47% 0.81% 5.24% 67.5%

Reliable Community Bancshares Perryville 0.78% 8.17% 8,216 1.42% 1,058,165 730,551 783,894 93.2% 100,981 2.8% -1.8% 9.6% 1.2% 11.8% 1.1% 0.4% 3.94% 0.57% 4.53% 66.6%

Community Bank of Missouri Richmond 0.78% 6.58% 385 0.89% 48,915 31,738 39,764 79.8% 6,024 -7.4% 0.4% 12.3% 2.6% 20.7% 1.8% 0.2% 4.81% 0.68% 5.42% 78.7%

O'Bannon Banking Company Buffalo 0.78% 8.87% 1,291 1.25% 170,874 113,602 155,401 73.1% 15,057 4.2% 3.3% 8.8% 1.5% 15.3% 1.2% 0.2% 4.17% 0.57% 4.73% 68.3%

Bank of Sullivan Sullivan 0.78% 8.29% 2,703 1.61% 366,407 308,036 293,995 104.8% 32,570 16.9% 3.4% 8.9% 1.8% 19.8% 1.6% 0.4% 4.07% 0.69% 4.75% 65.9%

First State Bank of St. Charles Saint Charles 0.78% 6.27% 2,073 0.94% 292,914 187,103 235,061 79.6% 34,139 -12.0% 4.7% 11.7% 3.2% 26.2% 1.0% 0.0% 3.93% 0.51% 4.43% 88.7%

First National Bank of Clinton Clinton 0.78% 5.38% 531 0.74% 68,579 32,939 57,597 57.2% 10,055 14.9% 1.4% 14.7% 1.2% 7.9% 1.7% 0.1% 3.49% 0.28% 3.74% 74.6%

Martinsburg Bank and Trust (S) Mexico 0.77% 6.69% 1,488 1.20% 193,858 129,690 144,637 89.7% 23,317 3.5% -6.6% 12.0% 0.9% 7.0% 1.5% 0.0% 3.39% 0.58% 3.94% 67.6%

Mercantile Bank of Louisiana (S) Louisiana 0.77% 3.31% 783 1.33% 103,362 57,732 73,095 79.0% 24,065 -2.3% -0.3% 23.3% 5.8% 22.6% 4.2% 0.0% 3.09% 0.62% 3.58% 60.6%

Phelps County Bank (S) Rolla 0.77% 11.52% 2,477 1.23% 335,227 177,578 300,478 59.1% 23,509 2.6% 7.9% 7.0% 0.2% 2.0% 1.0% 0.1% 3.28% 0.48% 3.73% 70.2%

Freedom Bank of S. Missouri (S) Cassville 0.76% 10.80% 1,507 1.57% 209,833 153,671 194,116 79.2% 15,253 4.5% 11.7% 7.3% 0.8% 9.4% 1.5% 0.4% 3.99% 0.89% 4.86% 61.7%

Legacy Bank & Trust Company Rogersville 0.76% 6.66% 892 1.32% 118,299 98,684 97,293 101.4% 10,466 7.6% 2.3% 9.1% 1.3% 23.6% 1.6% 0.2% 4.52% 0.77% 5.29% 70.8%

Corder Bank Corder 0.76% 7.51% 132 1.16% 18,121 11,612 16,229 71.6% 1,813 5.4% 10.1% 10.0% 2.7% 45.4% 1.0% 0.1% 3.58% 0.42% 3.97% 67.9%

Paris National Bank Paris 0.76% 6.14% 572 1.05% 77,037 32,903 60,512 54.4% 9,805 9.2% 0.0% 12.7% 1.0% 17.6% 2.5% -0.6% 3.28% 0.70% 3.89% 64.7%

SW Missouri Bancorporation Carthage 0.76% 8.07% 4,708 1.03% 627,307 383,013 534,611 71.6% 59,824 5.1% 2.2% 9.5% 0.3% 4.6% 1.0% 0.2% 3.93% 0.34% 4.24% 77.3%

Community Bank and Trust (S) Neosho 0.76% 8.53% 2,245 1.25% 299,347 151,451 261,148 58.0% 23,224 0.3% 4.3% 7.8% 0.1% 1.6% 1.2% 0.1% 3.36% 0.22% 3.60% 75.5%

FMB Bank Wright City 0.75% 8.62% 298 1.09% 40,272 15,468 36,446 42.4% 3,668 -8.4% 3.3% 9.1% 3.0% 33.7% 1.6% 0.2% 3.44% 0.28% 3.73% 76.2%

Midwest Bankcentre, Inc. Saint Louis 0.75% 7.04% 8,630 0.98% 1,158,966 780,878 826,631 94.5% 126,172 3.9% -7.3% 10.9% 0.8% 6.4% 1.6% 0.3% 2.97% 0.59% 3.54% 69.6%

Exchange Bank of Missouri Fayette 0.75% 6.40% 1,005 1.46% 143,245 108,039 119,050 90.8% 13,968 13.6% 15.0% 9.9% 0.5% 4.3% 0.8% 0.1% 4.35% 0.64% 4.98% 65.4%

Springfield First Comm. Bank (S) Springfield 0.74% 8.99% 2,369 1.25% 330,328 283,660 264,126 107.4% 27,775 6.9% -2.3% 8.4% 0.6% 6.2% 1.1% 0.0% 3.37% 0.73% 4.08% 63.2%

Business Bancshares, Inc. Clayton 0.74% 7.77% 3,820 0.86% 515,823 418,709 431,334 97.1% 54,730 0.0% -3.6% 10.6% 2.0% 16.1% 2.2% -0.1% 3.17% 0.72% 3.85% 74.7%

Midwest Regional Bank Festus 0.74% 7.89% 1,906 1.48% 295,114 239,189 242,059 98.8% 23,212 34.8% 31.8% 7.9% 0.0% 0.3% 1.0% 0.1% 3.59% 1.06% 4.64% 69.2%

Lincoln County Bancorp, Inc. (S) Troy 0.73% 12.78% 4,929 0.91% 679,109 362,781 602,381 60.2% 43,377 -0.7% 2.0% 6.4% 4.6% 61.2% 2.3% 0.5% 3.18% 0.65% 3.81% 71.6%

First State Bank of Purdy (S) Monett 0.73% 15.04% 1,308 0.83% 183,362 91,714 167,830 54.7% 10,703 18.2% 8.1% 5.8% 0.9% 16.7% 1.2% 0.2% 3.02% 0.65% 3.65% 68.1%

Mid-Missouri Bancshares, Inc. Springfield 0.73% 19.94% 3,884 0.90% 560,626 439,606 497,866 88.3% 21,395 9.1% 7.6% 3.8% 2.1% 43.9% 1.3% 0.3% 3.69% 0.84% 4.48% 77.0%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


County Bank (S) Brunswick 0.72% 9.53% 595 1.08% 80,153 61,110 71,850 85.1% 6,312 0.6% -2.3% 7.9% 0.0% 0.1% 1.3% 0.0% 3.73% 0.41% 4.12% 72.0%

Community Bank of Marshall Marshall 0.72% 7.06% 961 0.94% 134,447 62,108 119,555 52.0% 14,140 15.2% 4.8% 10.5% 0.5% 4.4% 0.9% 0.2% 2.48% 0.37% 2.83% 66.3%

Adams Dairy Bank Blue Springs 0.72% 7.14% 575 1.09% 90,559 57,682 71,940 80.2% 8,539 22.3% 26.2% 9.4% 2.8% 26.3% 1.6% -0.1% 3.80% 0.72% 4.39% 72.0%

Peoples Bank of Wyaconda Kahoka 0.71% 8.33% 588 1.08% 84,844 52,217 76,068 68.7% 7,237 24.9% 18.5% 8.5% 0.0% 2.5% 1.6% 0.0% 2.99% 0.71% 3.66% 64.4%

Bank of Minden Mindenmines 0.70% 5.13% 204 0.74% 28,900 16,983 24,809 68.5% 3,952 20.1% -4.6% 13.7% 0.0% 0.0% 2.1% -0.4% 3.73% 0.57% 4.31% 76.5%

Branson Bank Branson 0.70% 6.88% 1,161 1.47% 166,208 138,876 139,599 99.5% 17,610 1.8% 0.5% 10.6% 3.2% 25.6% 2.1% 0.2% 4.25% 0.48% 4.71% 67.7%

Community State Bank Shelbina 0.69% 7.74% 375 1.07% 52,298 25,459 44,658 57.0% 4,935 -1.6% -4.3% 9.4% 0.2% 2.1% 2.2% 0.1% 2.58% 0.48% 3.00% 62.4%

Bank Star One Fulton 0.69% 6.66% 616 0.86% 87,668 67,460 77,876 86.6% 9,464 -3.3% -6.7% 10.8% 2.4% 19.0% 2.4% 0.5% 4.57% 0.34% 4.91% 84.5%

Clarence State Bank Clarence 0.69% 3.24% 133 0.88% 19,245 8,536 15,059 56.7% 4,134 2.5% 0.0% 21.5% 0.0% 1.0% 1.2% 0.0% 2.96% 0.30% 3.20% 67.9%

Triad Bank Frontenac 0.69% 7.19% 1,611 1.19% 255,013 192,375 196,098 98.1% 23,545 14.1% 13.3% 9.2% 1.8% 18.1% 1.3% 0.0% 3.74% 0.61% 4.32% 67.2%

Jefferson County Bancshares, Inc. Festus 0.69% 7.71% 6,183 1.24% 909,029 599,470 760,460 78.8% 77,211 -2.6% 1.0% 8.6% 3.5% 37.0% 1.4% 0.2% 3.45% 0.67% 4.11% 66.2%

New Frontier Bank Saint Charles 0.69% 9.53% 689 -0.02% 99,425 59,027 90,709 65.1% 7,917 -5.5% -10.8% 8.0% 4.1% 41.4% 3.4% 0.0% 3.93% 0.41% 4.36% 100.2%

Macon-Atlanta State Bank Macon 0.68% 7.44% 1,720 0.98% 267,492 134,594 230,618 58.4% 23,308 17.2% 18.8% 8.7% 1.0% 13.9% 1.0% 0.4% 2.72% 0.78% 3.47% 64.9%

First Community Bank, Missouri Poplar Bluff 0.67% 8.52% 1,847 0.92% 283,069 160,448 247,287 64.9% 23,093 16.7% 1.5% 8.2% 0.5% 5.8% 0.9% 0.3% 3.43% 0.49% 3.91% 74.2%

Bank Star Pacific 0.67% 7.42% 468 0.92% 72,325 53,698 65,638 81.8% 6,488 8.3% 6.9% 9.0% 2.3% 23.1% 1.8% -0.2% 4.31% 0.32% 4.62% 80.1%

State Bank of Missouri (S) Concordia 0.67% 7.91% 547 0.90% 82,267 41,065 74,043 55.5% 6,977 2.1% 0.3% 8.5% 1.5% 15.5% 2.5% -0.2% 3.19% 0.25% 3.42% 71.3%

Central Bank of Kansas City (S) Kansas City 0.66% 4.08% 957 1.09% 135,412 99,925 111,632 89.5% 20,799 8.2% -3.4% 15.6% 5.2% 30.3% 2.3% 0.1% 4.41% 0.18% 4.58% 83.1%

West Plains S&LA West Plains 0.66% 4.13% 593 1.09% 89,639 55,367 72,833 76.0% 14,663 -3.1% -1.5% 16.4% 0.8% 9.2% 1.3% 0.0% 2.68% 1.56% 4.02% 55.8%

Alliant Bank (S) Madison 0.66% 6.00% 807 1.01% 140,680 108,132 120,648 89.6% 13,605 32.3% 19.7% 9.7% 2.3% 21.3% 1.3% 0.2% 5.02% 0.53% 5.61% 80.2%

First Independent Bank Aurora 0.65% 6.57% 591 1.04% 92,029 56,363 82,584 68.3% 9,222 2.9% 1.2% 10.0% 2.9% 27.8% 1.4% 0.2% 3.75% 0.57% 4.30% 72.9%

Capaha Bank SB Cape Girardeau 0.65% 6.81% 1,228 0.86% 187,657 146,244 168,204 86.9% 18,348 5.3% 5.1% 9.8% 1.1% 9.7% 1.3% 0.1% 3.86% 0.47% 4.32% 80.2%

Tipton Latham Bank, NA (S) Tipton 0.64% 6.24% 675 1.05% 106,904 69,475 94,035 73.9% 11,400 7.6% 5.1% 10.7% 1.6% 13.8% 1.7% 0.3% 3.27% 0.90% 4.10% 67.6%

Bank of Bolivar Bolivar 0.64% 6.29% 1,301 0.70% 212,718 155,641 187,040 83.2% 21,144 2.4% 6.8% 9.9% 2.6% 23.8% 1.2% 0.1% 3.91% 0.67% 4.58% 81.6%

Hawthorn Bancshares, Inc. Jefferson City 0.64% 9.92% 7,383 0.96% 1,170,544 857,461 988,450 86.8% 79,525 2.2% 0.2% 6.8% 4.2% 53.9% 1.4% 0.4% 3.69% 0.51% 4.19% 75.6%

Delta Bancshares Company Saint Louis 0.63% 4.99% 2,957 0.85% 462,969 334,765 372,170 90.0% 59,540 -0.4% -2.3% 12.9% 3.1% 21.9% 2.1% 0.7% 3.03% 0.54% 3.55% 71.1%

Peoples Savings Bank of Rhineland Rhineland 0.63% 7.11% 1,238 0.80% 199,975 148,909 179,015 83.2% 18,531 11.7% 10.0% 9.3% 1.2% 12.4% 1.0% 0.0% 3.99% 0.51% 4.50% 77.4%

Citizens Community Bank Pilot Grove 0.63% 6.65% 686 0.99% 108,286 73,517 97,397 75.5% 10,736 4.7% -5.4% 9.9% 1.1% 11.6% 1.3% 0.1% 3.21% 0.57% 3.75% 70.7%

Blue Ridge Bancshares, Inc. Independence 0.63% 7.63% 2,937 1.05% 464,643 288,101 408,209 70.6% 30,353 -2.9% -2.1% 6.5% 2.0% 20.7% 2.0% 1.2% 3.58% 0.27% 3.86% 76.8%

Citizens NB of Greater St. Louis Maplewood 0.62% 4.89% 2,658 1.22% 427,397 299,898 364,322 82.3% 54,977 -4.3% -1.5% 12.9% 6.2% 44.0% 2.1% 0.7% 3.42% 0.52% 3.90% 64.5%

Commercial Trust Co. of Fayette (S) Fayette 0.62% 7.30% 819 0.84% 129,731 64,471 109,478 58.9% 11,640 10.3% 0.0% 9.0% 0.1% 1.5% 0.9% 0.0% 2.30% 0.52% 2.80% 65.7%

State Bank (S) Richmond 0.62% 7.40% 207 0.99% 33,976 16,218 30,219 53.7% 2,906 2.5% 3.0% 8.6% 1.5% 16.1% 1.7% 0.0% 3.08% 0.23% 3.29% 71.2%

Bank of Weston (S) Weston 0.61% 7.68% 729 1.32% 115,037 82,779 104,817 79.0% 10,046 -5.4% -6.0% 8.7% 3.5% 36.7% 1.1% 0.7% 4.22% 0.31% 4.53% 71.1%

First Commercial Bank Dexter 0.60% 5.92% 1,210 0.54% 207,734 130,594 166,587 78.4% 20,246 2.1% 1.1% 9.8% 3.2% 27.6% 2.8% 0.0% 3.40% 1.06% 4.41% 79.6%

Bank of Brookfield-Purdin, NA (S) Brookfield 0.59% 5.45% 513 0.71% 89,829 25,704 71,204 36.1% 9,924 0.9% 5.9% 11.1% 0.1% 0.7% 1.5% 0.0% 2.52% 0.25% 2.75% 68.7%

Bank of New Cambria New Cambria 0.59% 5.75% 192 0.58% 34,088 15,906 30,432 52.3% 3,488 -6.6% 4.9% 10.2% 0.0% 0.0% 1.6% -0.7% 3.51% 0.41% 3.91% 79.2%

M&F Bank of Salisbury (S) Salisbury 0.59% 6.45% 574 0.91% 98,133 67,335 88,691 75.9% 7,885 5.2% 3.7% 8.0% 0.2% 2.3% 1.5% 0.2% 3.29% 0.54% 3.79% 71.2%

State Bank of SW Missouri (S) Springfield 0.59% 8.61% 555 1.02% 96,421 80,139 85,366 93.9% 6,383 12.9% 5.2% 6.6% 0.5% 8.9% 0.6% 0.2% 3.80% 0.27% 4.08% 75.7%

CCB Financial Corporation (S) Kansas City 0.58% 7.57% 7,138 0.72% 1,259,400 650,679 1,043,218 62.4% 88,399 11.4% 5.0% 7.1% 1.0% 12.4% 1.8% 0.1% 3.06% 0.15% 3.23% 84.6%

Clay County Savings Bank Liberty 0.58% 5.49% 533 0.63% 89,213 64,523 76,492 84.4% 9,931 -3.3% -8.8% 11.1% 4.9% 37.5% 2.5% 0.1% 4.14% 0.51% 4.68% 85.8%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Community Point Bank (S) Russellvil le 0.58% 5.61% 543 0.75% 93,842 58,031 83,513 69.5% 10,096 10.7% -0.8% 10.8% 0.2% 1.4% 1.3% 0.0% 2.94% 0.95% 3.85% 71.9%

Citizens Bank of Rogersville (S) Rogersville 0.57% 6.06% 401 0.99% 73,256 38,264 65,681 58.3% 5,976 15.8% 7.3% 8.3% 2.3% 28.1% 0.1% 0.0% 3.74% 0.39% 4.15% 71.1%

Farmers Bank of Green City Green City 0.57% 6.54% 221 0.77% 39,286 18,813 27,664 68.0% 3,541 29.4% -1.4% 9.0% 1.4% 13.7% 2.1% -0.1% 2.92% 0.49% 3.41% 71.7%

Southern Bancshares Corp. Saint Louis 0.57% 6.17% 2,905 0.95% 524,156 276,609 454,795 60.8% 48,804 -2.0% 2.1% 9.3% 1.8% 16.5% 2.8% 1.1% 3.26% 0.39% 3.62% 69.9%

Pulaski Financial Corp. Saint Louis 0.56% 6.11% 7,032 1.43% 1,374,164 1,151,954 1,002,887 114.9% 105,954 1.5% -4.2% 7.7% 3.5% 38.1% 1.5% 0.9% 3.52% 0.40% 3.95% 64.8%

Farmers State Bank Cameron 0.56% 5.66% 1,154 1.00% 219,587 173,066 192,425 89.9% 20,319 22.6% 15.8% 9.3% 0.4% 4.8% 0.5% 0.1% 3.99% 0.27% 4.24% 76.6%

Community Bank of Memphis Memphis 0.55% 4.88% 228 0.89% 42,758 22,562 37,635 60.0% 3,888 10.0% 2.9% 9.3% 0.1% 4.1% 1.7% 0.0% 2.71% 0.86% 3.55% 66.6%

First National Bank (S) Malden 0.54% 6.50% 952 1.57% 173,252 144,348 152,626 94.6% 15,364 8.8% 2.8% 8.9% 0.3% 3.9% 1.3% 0.1% 3.77% 0.69% 4.42% 60.1%

Citizens Bank of Newburg Rolla 0.53% 5.57% 918 1.00% 165,957 112,657 148,316 76.0% 17,221 -2.7% -2.9% 10.4% 6.9% 62.3% 1.5% 0.5% 3.87% 1.22% 5.02% 73.6%

F&M Bank of St. Clair Saint Clair 0.53% 4.63% 850 1.14% 166,904 124,525 143,824 86.6% 18,804 7.7% 3.8% 11.3% 2.5% 22.0% 1.7% 0.9% 4.53% 0.46% 4.96% 76.4%

Farmers Bank of Lohman Lohman 0.52% 3.58% 316 0.67% 64,138 12,894 54,845 23.5% 9,028 15.2% 10.6% 14.1% 0.8% 5.5% 1.5% 0.4% 2.46% 0.50% 2.91% 66.1%

Ozark Bank (S) Ozark 0.50% 4.03% 939 0.83% 189,903 129,364 164,648 78.6% 24,362 17.5% 5.9% 12.8% 0.9% 6.6% 1.1% 0.0% 3.56% 0.28% 3.82% 76.4%

Goppert Financial Bank Lathrop 0.50% 5.19% 402 0.84% 81,556 56,610 71,179 79.5% 7,825 13.4% 1.0% 9.6% 0.1% 0.8% 0.9% 0.1% 3.72% 0.38% 4.08% 76.7%

Rockwood Bank Eureka 0.50% 3.92% 1,262 0.97% 248,511 178,150 211,960 84.1% 32,670 3.1% -2.9% 13.2% 5.8% 38.7% 2.5% 0.4% 3.79% 0.40% 4.18% 76.1%

Citizens Bank New Haven 0.50% 4.09% 845 0.74% 166,564 120,256 143,316 83.9% 21,093 0.8% -4.5% 12.7% 6.0% 39.9% 3.4% 0.7% 3.81% 0.33% 4.12% 81.1%

Peoples Bank of Moniteau County Jamestown 0.50% 6.17% 272 0.46% 55,749 34,305 48,607 70.6% 4,667 6.3% 4.5% 8.4% 1.4% 15.5% 1.6% 0.2% 3.11% 1.26% 4.28% 79.1%

0.00% - 0.50% ROAA Banks

La Monte Community Bank La Monte 0.48% 4.56% 139 0.81% 29,249 20,483 26,117 78.4% 3,082 3.9% 4.7% 10.5% 0.0% 0.0% 1.0% 0.0% 3.56% 0.24% 3.77% 78.0%

Kennett National Bank Kennett 0.48% 4.09% 482 0.58% 99,370 59,173 82,198 72.0% 12,281 0.6% 0.3% 12.4% 0.7% 13.4% 0.9% 0.2% 4.10% 0.56% 4.68% 83.5%

Mainstreet Bank Ashland 0.48% 4.54% 274 1.00% 55,909 24,612 48,336 50.9% 5,691 -5.1% -6.6% 10.3% 5.8% 52.7% 2.1% 0.0% 4.18% 1.09% 5.26% 71.9%

Bank 21 (S) Carrollton 0.47% 5.61% 392 0.76% 85,909 63,029 76,977 81.9% 7,278 69.4% 43.4% 8.5% 0.2% 3.1% 1.4% -0.5% 3.37% 0.40% 3.73% 79.6%

Kahoka State Bank Kahoka 0.47% 4.81% 219 0.75% 47,503 23,344 42,801 54.5% 4,650 -1.9% 4.1% 9.8% 1.6% 15.4% 2.5% 0.5% 3.05% 0.66% 3.67% 77.4%

First State Bank of St. Robert Saint Robert 0.46% 4.20% 439 0.68% 95,656 51,643 84,736 61.0% 10,723 -3.9% 0.7% 11.2% 0.7% 5.9% 1.8% 0.0% 3.85% 0.60% 4.42% 81.1%

MBT Bancshares, Inc. (S) Kansas City 0.45% 9.71% 2,590 0.96% 524,155 396,797 484,586 81.9% 26,991 2.4% -15.5% 5.2% 0.2% 4.1% 0.8% 0.5% 3.56% 0.26% 3.84% 75.0%

B & L Bank Lexington 0.45% 4.00% 590 0.66% 124,089 68,030 108,223 62.9% 14,376 -7.2% -11.9% 11.7% 3.6% 27.7% 2.6% 0.1% 3.01% 0.40% 3.41% 77.0%

Meramec Valley Bank (S) Ellisvil le 0.43% 4.85% 409 0.45% 95,327 54,993 77,403 71.1% 8,598 -4.8% -2.5% 9.0% 4.8% 46.9% 2.3% -0.4% 3.36% 0.56% 3.93% 89.6%

Bank of Salem Salem 0.43% 4.50% 396 0.58% 89,823 48,755 80,601 60.5% 8,857 -1.6% 10.0% 9.9% 0.4% 3.8% 1.0% 0.1% 3.20% 0.34% 3.53% 81.5%

First Security Bank Union Star 0.43% 5.68% 107 0.43% 25,633 14,826 23,675 62.6% 1,918 7.5% 2.5% 7.5% 3.5% 38.7% 2.5% 0.2% 3.42% 0.52% 3.94% 87.9%

Concord Bank Saint Louis 0.42% 4.56% 577 1.11% 133,253 99,679 119,897 83.1% 12,784 -12.6% -7.9% 9.6% 3.7% 33.5% 2.0% 1.2% 3.57% 0.94% 4.51% 67.5%

Pony Express Community Bank Saint Joseph 0.42% 4.39% 385 1.03% 91,118 43,026 80,348 53.6% 8,366 -3.9% -9.2% 9.2% 1.0% 11.7% 1.3% 1.3% 3.47% 0.26% 3.72% 70.0%

Bremen Bank and Trust Company Hazelwood 0.42% 4.18% 880 0.51% 206,602 116,481 160,537 72.6% 21,738 -4.5% -2.9% 10.5% 4.1% 33.5% 2.9% 0.2% 2.72% 0.99% 3.67% 78.0%

Lawson Bank (S) Lawson 0.42% 5.18% 512 0.55% 121,048 48,880 110,788 44.1% 10,171 -12.9% -2.8% 8.4% 1.3% 14.4% 1.8% 0.4% 3.42% 0.22% 3.64% 80.0%

Canton State Bank Canton 0.37% 4.43% 130 0.32% 35,288 16,413 32,151 51.1% 3,090 0.0% 5.7% 8.8% 0.1% 27.0% 0.9% -0.1% 3.15% 0.56% 3.69% 88.2%

Sherwood Community Bank (S) Creighton 0.36% 4.01% 154 0.38% 44,752 27,397 40,837 67.1% 3,880 15.0% 21.1% 8.7% 1.2% 14.0% 1.4% 0.0% 4.34% 0.35% 4.70% 87.1%

First Home Bank Mountain Grove 0.36% 5.21% 700 0.32% 193,326 111,521 167,975 66.4% 14,170 14.8% 1.3% 7.3% 0.4% 4.7% 1.4% 0.0% 2.81% 0.61% 3.40% 89.8%

Heritage Bank of the Ozarks Lebanon 0.34% 4.13% 247 0.77% 84,796 73,411 68,018 107.9% 7,399 33.6% 33.8% 8.7% 0.8% 8.5% 1.1% 0.0% 4.47% 0.75% 5.11% 85.4%

Quarry City S&LA Warrensburg 0.34% 2.03% 149 0.58% 46,050 38,983 37,041 105.2% 7,821 23.9% -7.1% 17.0% 0.7% 3.9% 1.3% -0.2% 4.04% 0.73% 4.68% 86.4%

Montgomery Bancorporation (S) Sikeston 0.34% 5.81% 3,003 0.83% 878,191 721,233 696,259 103.6% 53,246 -3.0% -2.9% 6.1% 2.7% 38.2% 1.3% 0.4% 3.43% 0.52% 4.00% 63.1%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Security Bank (S) Rich Hill 0.34% 3.69% 151 1.17% 44,271 34,317 40,082 85.6% 4,034 11.9% 1.0% 9.1% 0.6% 6.1% 1.1% 0.1% 4.87% 0.37% 5.24% 73.5%

Security Bank of Pulaski County Waynesville 0.33% 3.60% 318 0.44% 96,722 65,360 84,132 77.7% 8,665 5.8% 1.3% 9.0% 4.6% 47.7% 1.0% 0.3% 4.37% 0.72% 5.15% 87.7%

Marshfield Investment Co. (S) Springfield 0.33% 2.78% 1,454 0.22% 450,994 331,556 372,582 89.0% 46,251 12.1% -1.0% 10.4% 1.5% 13.1% 2.1% 0.0% 3.42% 0.38% 3.78% 94.6%

Heritage Community Bank (S) Chamois 0.32% 2.57% 233 0.65% 74,613 61,000 63,041 96.8% 8,840 13.6% 10.7% 11.9% 1.2% 9.0% 1.9% 0.4% 4.03% 0.48% 4.61% 83.9%

Bank of Franklin County Washington 0.31% 3.26% 656 0.65% 203,524 151,984 181,738 83.6% 20,630 -0.3% -4.7% 10.1% 4.6% 44.0% 1.4% 1.1% 3.47% 0.61% 4.07% 80.6%

Ozarks Federal S&LA Farmington 0.28% 2.07% 593 0.38% 210,565 141,505 178,775 79.2% 29,704 3.9% -2.8% 14.1% 3.2% 22.8% 1.1% 0.2% 2.90% 0.77% 3.62% 87.3%

Carroll County S&LA Carrollton 0.27% 2.00% 63 0.42% 23,061 9,914 19,886 49.9% 3,173 -9.8% -2.6% 13.8% 1.2% 10.3% 1.7% 0.0% 1.80% 1.19% 2.86% 70.0%

Commercial Bank Saint Louis 0.27% 3.39% 465 0.37% 171,312 102,702 154,665 66.4% 14,170 4.9% 1.7% 8.3% 1.8% 20.3% 1.6% 0.8% 3.66% 0.37% 4.01% 90.6%

Flowers National Bank Cainsville 0.24% 1.78% 92 0.42% 41,540 14,775 35,928 41.1% 4,068 -1.3% 9.3% 10.1% 0.6% 5.7% 1.3% 0.9% 4.08% 0.75% 4.78% 88.5%

St. Johns Bank and Trust Company Saint Louis 0.24% 2.53% 729 0.47% 303,830 199,246 274,217 72.7% 28,950 -3.7% -3.2% 9.5% 5.9% 56.7% 1.3% 0.6% 3.46% 0.28% 3.72% 85.0%

Rockhold BanCorp, Inc. (S) Kirksville 0.24% 2.79% 1,361 0.70% 525,833 211,760 433,020 48.9% 50,014 1.2% -3.5% 9.5% 0.6% 5.6% 1.5% 0.0% 1.70% 0.85% 2.49% 61.2%

Farmers State Bank, S/B Bolivar 0.22% 1.49% 148 0.34% 66,722 41,018 55,500 73.9% 10,020 -4.8% 6.2% 15.0% 0.2% 1.4% 1.3% 0.0% 3.80% 0.61% 4.36% 90.8%

Citizens Bancshares Co. Kansas City 0.21% 2.25% 1,852 0.42% 924,088 584,743 694,797 84.2% 58,027 17.2% 10.8% 6.3% 4.0% 40.6% 1.3% 0.6% 3.14% 0.43% 3.60% 88.0%

Pleasant Hill Bank Pleasant Hill 0.21% 1.92% 156 0.37% 71,707 36,934 63,323 58.3% 8,208 6.7% -4.2% 11.5% 1.0% 8.6% 0.9% 0.4% 2.81% 0.26% 3.04% 87.0%

First Comm. Bank of the Ozarks (S) Branson 0.20% 2.56% 203 0.42% 101,098 51,019 82,248 62.0% 8,145 -2.4% -6.2% 8.1% 1.4% 16.6% 1.0% 0.0% 3.62% 0.56% 4.17% 81.4%

Community Bank of Pleasant Hill Pleasant Hill 0.19% 2.33% 98 0.20% 52,097 25,298 47,538 53.2% 3,541 -3.1% -3.1% 6.9% 0.0% 0.0% 1.5% 0.0% 2.91% 0.29% 3.21% 92.1%

CBC Bank (S) Bowling Green 0.17% 2.02% 58 0.05% 33,646 13,612 30,593 44.5% 2,929 -4.9% -7.9% 8.7% 1.2% 13.0% 1.5% -0.1% 2.63% 0.24% 2.86% 95.2%

Security State Bancshares, Inc. (S) Charleston 0.15% 2.47% 1,005 1.06% 684,503 575,346 532,371 108.1% 29,715 8.7% 7.6% 4.3% 2.1% 38.5% 1.4% 0.3% 3.38% 1.12% 4.50% 70.1%

Commercial Bank of Oak Grove Oak Grove 0.15% 0.99% 113 0.17% 75,275 32,797 63,378 51.8% 11,433 -1.2% -6.4% 15.2% 8.8% 54.3% 4.6% 0.1% 2.44% 0.37% 2.78% 91.8%

Bank of Bill ings Bill ings 0.15% 0.99% 78 0.33% 54,851 35,419 46,836 75.6% 4,859 -1.5% -1.0% 9.4% 1.0% 14.9% 1.2% 0.3% 4.13% 0.47% 4.59% 89.6%

Home S&LA of Norborne, F.A. Norborne 0.14% 0.93% 123 0.23% 84,953 58,019 71,548 81.1% 13,380 -3.3% -2.8% 15.8% 2.0% 11.8% 1.4% 0.1% 2.07% 1.37% 3.24% 89.1%

1st Cameron State Bank Cameron 0.14% 1.61% 77 0.25% 51,258 31,568 43,003 73.4% 4,781 2.2% -1.3% 9.3% 0.2% 1.7% 1.1% 0.0% 2.88% 0.36% 3.21% 91.7%

Midwest Independent Bancshares Jefferson City 0.14% 1.10% 522 0.20% 322,056 114,090 245,698 46.4% 41,060 -9.1% -11.1% 13.0% 3.8% 26.4% 4.2% -0.9% 1.86% 0.94% 2.65% 96.7%

First Federal Bank, FSB Kansas City 0.13% 0.80% 450 0.20% 388,241 278,981 282,446 98.8% 57,199 27.6% 0.5% 14.7% 0.6% 4.0% 0.4% 0.0% 2.88% 0.72% 3.54% 95.8%

First Bank of the Lake Osage Beach 0.11% 0.68% 42 0.74% 47,367 27,967 38,496 72.7% 5,092 10.9% 38.6% 11.0% 4.5% 39.9% 0.8% 0.3% 4.44% 0.64% 5.03% 85.7%

Bank of Iberia Iberia 0.11% 1.26% 61 0.62% 56,140 44,118 50,597 87.2% 4,873 4.1% -1.3% 8.7% 2.2% 22.9% 1.1% 0.6% 5.10% 0.87% 5.97% 86.9%

RCSBank New London 0.09% 0.98% 53 0.20% 55,250 34,260 49,666 69.0% 5,415 -2.3% -2.2% 9.8% 0.8% 8.0% 0.8% 0.2% 3.65% 0.31% 3.97% 94.8%

Central Federal S&LA of Rolla Rolla 0.07% 0.36% 48 0.25% 65,393 52,861 51,791 102.1% 13,523 -7.4% -0.6% 20.7% 2.5% 12.5% 0.8% 0.0% 3.19% 1.00% 4.02% 91.8%

Frontenac Bank Earth City 0.02% 0.25% 62 0.05% 270,638 203,326 241,355 84.2% 25,236 4.0% 0.8% 9.3% 14.1% 122.8% 2.9% 0.1% 3.23% 0.67% 3.89% 98.4%


FortuneBank Arnold -0.06% -0.60% (91) 0.52% 147,881 104,994 121,975 86.1% 14,623 -4.4% 2.9% 9.9% 4.8% 52.0% 1.3% 1.3% 3.32% 1.16% 4.46% 87.0%

Diamond Bancorp, Inc. (S) Washington -0.10% -1.31% (693) 0.78% 659,231 511,166 524,895 97.4% 52,650 -12.4% -12.7% 8.0% 15.9% 158.7% 3.1% 1.4% 3.13% 0.98% 4.21% 75.8%

Love Savings Holding Company Saint Louis -0.10% -1.38% (866) 0.37% 918,708 606,542 721,286 84.1% 52,106 10.6% 8.1% 5.7% 2.9% 36.9% 1.5% 0.3% 3.15% 0.78% 3.98% 92.4%

LINCO Bancshares, Inc. (S) Columbia -0.15% -1.20% (982) 0.11% 682,157 428,231 582,116 73.6% 77,529 18.1% 3.4% 11.4% 2.0% 15.5% 2.5% 0.5% 4.91% 0.53% 5.42% 95.5%

Lead Bank (S) Garden City -0.17% -1.86% (186) 0.19% 126,414 98,148 111,630 87.9% 11,827 34.7% 52.0% 9.4% 2.6% 24.5% 1.6% 0.2% 4.88% 0.91% 5.81% 96.5%

Bank of Orrick Orrick -0.18% -1.90% (62) 0.12% 36,785 18,390 33,546 54.8% 3,196 -8.3% 11.8% 8.7% 1.6% 17.1% 2.6% 0.8% 4.01% 0.17% 4.18% 95.5%

Bank of Crocker (S) Waynesville -0.19% -1.86% (247) 0.23% 130,532 75,185 116,686 64.4% 13,374 -10.7% 1.3% 10.3% 4.9% 45.8% 1.2% 0.8% 3.75% 0.53% 4.28% 90.9%

Cabool State Bank Cabool -0.19% -1.36% (124) 0.45% 64,864 37,020 55,541 66.7% 9,214 -0.4% 0.2% 14.2% 4.1% 27.4% 1.7% 1.2% 3.94% 0.32% 4.26% 86.5%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio

Below 0.00% ROAA Banks (Continued)

Bank of Macks Creek Macks Creek -0.23% -3.66% (46) -0.12% 20,182 11,574 18,882 61.3% 1,255 -10.1% -1.5% 6.2% 11.5% 155.1% 2.4% 1.2% 4.15% 0.50% 4.70% 102.9%

Systematic Savings Bank Springfield -0.28% -1.45% (115) -0.35% 39,126 23,290 31,168 74.7% 7,856 -11.9% -4.5% 20.1% 2.0% 9.3% 1.4% 0.2% 3.36% 0.74% 4.01% 111.4%

Mississippi County S&LA Charleston -0.33% -1.32% (33) -0.41% 9,759 2,955 7,250 40.8% 2,486 -7.5% -3.1% 25.5% 0.1% 2.3% 1.3% 0.0% 2.87% 0.68% 3.43% 115.4%

Horizon State Bank (S) Cameron -0.44% -6.77% (87) -0.70% 20,548 10,715 19,227 55.7% 1,214 6.1% 7.1% 5.9% 1.1% 18.6% 1.3% 0.0% 3.81% 0.29% 4.10% 114.2%

Hometown Bank, NA Carthage -0.46% -3.93% (741) -0.97% 156,791 104,060 125,367 83.0% 18,640 1.8% -6.7% 11.9% 4.6% 34.1% 2.4% 0.3% 3.33% 0.61% 3.96% 124.7%

1st Advantage Bank Saint Peters -0.55% -6.07% (415) -0.11% 76,117 64,033 66,859 95.8% 6,798 9.9% 11.2% 8.9% 16.4% 155.4% 1.9% 0.5% 3.82% 0.50% 4.32% 102.7%

Bank of Fairport Maysville -0.63% -11.65% (171) 0.13% 27,029 7,785 25,431 30.6% 1,573 -0.2% -0.2% 5.8% 1.4% 22.4% 2.6% 3.0% 3.06% 0.33% 3.40% 95.9%

F&M Bank and Trust Company Hannibal -0.68% -6.77% (892) -1.01% 126,650 81,708 94,048 86.9% 12,169 -12.3% -8.3% 9.7% 6.7% 63.8% 1.3% 1.1% 2.94% 0.82% 3.75% 125.2%

Summit Bank of Kansas City Lee's Summit -0.71% -6.53% (321) -0.66% 40,497 31,794 35,681 89.1% 4,370 -16.7% -15.9% 10.9% 3.6% 29.4% 2.0% 1.1% 3.63% 0.67% 4.24% 117.3%

Bank of Houston (S) Houston -0.75% -7.16% (331) -0.71% 44,188 19,465 39,772 48.9% 4,360 -14.8% 2.5% 9.9% 8.4% 74.2% 3.3% 1.4% 3.01% 0.34% 3.34% 120.1%

Home Savings Bank Jefferson City -0.89% -9.72% (234) -1.15% 25,839 18,528 23,525 78.8% 2,252 -8.0% -5.0% 8.7% 7.7% 80.8% 1.1% 0.1% 3.26% 0.51% 3.81% 135.8%

First National Bank (S) Camdenton -1.44% -10.11% (3,560) -2.28% 228,391 70,085 193,195 36.3% 32,901 -27.4% -10.3% 14.4% 4.1% 24.7% 6.6% 1.6% 2.59% 0.23% 2.80% 210.1%

Bank of Belton Belton -1.55% -32.29% (702) -1.56% 45,840 18,543 43,840 42.3% 1,865 -3.7% 1.7% 4.1% 11.1% 218.5% 2.5% 0.0% 2.57% 0.17% 2.76% 160.7%

Superior Bank Hazelwood -1.68% -28.16% (513) -1.44% 28,129 17,585 25,749 68.3% 2,317 -29.2% -18.3% 8.2% 18.6% 188.3% 2.7% 3.6% 3.29% 0.58% 3.94% 145.9%

American L&SA Hannibal -1.97% -14.16% (109) -1.92% 5,398 3,575 4,675 76.5% 713 -27.9% -7.2% 13.2% 2.4% 17.2% 0.9% 1.3% 4.29% 0.37% 4.66% 157.0%

Average 0.75% 7.07% 5,323 1.10% 453,069 270,507 365,604 75.5% 41,561 5.2% 3.4% 10.4% 2.0% 19.8% 1.6% 0.2% 3.67% 0.56% 4.20% 72.7%

Median 0.76% 7.51% 954 1.10% 130,523 87,873 113,039 78.3% 14,072 3.9% 2.1% 9.8% 1.2% 12.5% 1.5% 0.1% 3.68% 0.54% 4.20% 69.2%






2014 Q2

Oklahoma Financial

Performance Report

member SIPC


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Peoples Bank & Trust Company (S) Ryan 2.13% 18.30% 633 4.06% 30,752 24,405 25,116 97.2% 3,989 17.5% -0.8% 13.0% 2.9% 20.2% 1.6% 1.0% 4.99% 1.06% 6.01% 75.7%

First Bank of Chandler (S) Chandler 1.91% 18.62% 1,592 3.30% 85,826 81,386 76,979 105.7% 8,738 6.8% 4.7% 10.2% 0.7% 6.2% 1.8% 0.1% 5.17% 0.47% 5.61% 38.9%

Security First NB of Hugo Hugo 1.91% 22.77% 1,965 3.08% 103,039 78,048 84,945 91.9% 8,833 2.0% -0.4% 8.6% 0.4% 4.5% 1.0% 0.0% 5.58% 0.48% 6.05% 50.7%

Bank of Cushing Cushing 1.85% 17.28% 2,157 2.17% 119,084 46,477 103,746 44.8% 13,354 -1.5% 4.3% 11.2% 0.1% 3.3% 1.6% -0.1% 4.44% 0.23% 4.66% 50.7%

Southwest State Bank (S) Sentinel 1.82% 19.11% 1,852 1.86% 98,664 54,160 83,712 64.7% 9,286 3.8% -10.0% 9.4% 0.3% 2.8% 2.0% -1.9% 3.81% 0.74% 4.49% 52.1%

Farmers Exchange Bank (S) Cherokee 1.81% 20.47% 3,969 2.55% 233,803 158,552 196,560 80.7% 21,214 40.6% 16.4% 9.1% 0.3% 7.0% 1.2% 0.0% 4.42% 0.35% 4.75% 42.1%

Security State Bank (S) Cheyenne 1.75% 16.98% 3,200 2.31% 188,058 83,913 162,850 51.5% 21,419 2.0% 6.6% 11.4% 0.1% 1.3% 1.7% 0.0% 3.26% 0.34% 3.56% 41.7%

Prime Bank (S) Edmond 1.73% 18.20% 3,427 2.80% 208,623 187,914 188,887 99.5% 19,411 12.8% 14.1% 9.3% 0.0% 0.0% 1.1% 0.0% 4.48% 0.78% 5.20% 41.5%

Great Plains National Bank (S) Elk City 1.71% 20.30% 8,874 3.00% 590,277 517,278 501,292 103.2% 44,226 32.2% 24.8% 7.5% 0.3% 4.3% 1.3% 0.2% 6.17% 0.41% 6.56% 65.6%

Bank of the West (S) Thomas 1.66% 14.55% 2,214 2.62% 142,354 125,006 126,354 98.9% 15,468 9.9% 13.1% 10.9% 0.1% 0.4% 1.3% 0.0% 5.35% 0.30% 5.62% 51.4%

Bank of Hydro (S) Hydro 1.65% 19.95% 2,029 2.62% 136,419 117,719 118,947 99.0% 10,409 5.3% 22.1% 7.6% 0.0% 1.5% 1.0% 0.0% 4.26% 0.85% 5.03% 42.2%

Security Bank (S) Tulsa 1.64% 15.24% 7,492 3.02% 480,506 392,616 418,618 93.8% 51,011 8.1% 10.0% 10.6% 0.4% 3.3% 2.4% 0.4% 4.24% 0.77% 4.94% 31.3%

First American Bank (S) Stonewall 1.64% 15.43% 466 2.53% 29,858 21,773 26,738 81.4% 3,095 13.7% 17.2% 10.4% 1.3% 11.9% 1.3% 0.4% 5.26% 0.56% 5.77% 55.6%

1st Bank & Trust (S) Broken Bow 1.62% 14.45% 1,982 2.32% 125,194 62,229 110,549 56.3% 14,405 11.2% 4.4% 11.5% 0.1% 1.1% 1.7% -0.1% 4.28% 0.21% 4.49% 50.5%

Ironhorse Financial Group, Inc. (S) Muskogee 1.61% 16.38% 17,123 2.19% 1,097,998 752,303 957,024 78.6% 109,686 11.1% 4.0% 10.0% 0.9% 9.9% 1.1% 0.4% 4.75% 0.34% 5.08% 57.0%

First Bank & Trust Company (S) Wagoner 1.60% 15.35% 4,186 2.58% 265,479 234,241 236,592 99.0% 27,039 1.2% 4.2% 10.3% 1.4% 11.9% 3.1% -0.1% 4.72% 0.58% 5.27% 48.4%

ACB Bank (S) Cherokee 1.58% 18.58% 1,307 2.49% 87,162 61,506 73,055 84.2% 7,497 8.4% 9.1% 8.6% 1.8% 17.9% 2.1% 0.1% 4.99% 0.46% 5.41% 50.6%

Quail Creek Bank, NA (S) Oklahoma City 1.57% 16.87% 8,505 2.27% 554,238 410,062 500,408 82.0% 52,433 5.5% 6.6% 9.5% 2.0% 18.8% 1.3% 0.1% 4.27% 0.36% 4.61% 47.9%

Bank 7 (S) Oklahoma City 1.56% 18.00% 5,899 2.70% 444,245 342,549 398,324 86.0% 40,634 36.2% 45.0% 9.2% 0.6% 6.0% 1.3% 0.0% 5.67% 0.60% 6.26% 49.8%

First State Bank of Porter (S) Porter 1.55% 10.06% 552 2.52% 37,244 27,313 31,179 87.6% 5,243 -3.0% 4.0% 14.1% 0.4% 3.7% 1.4% -0.1% 6.98% 0.25% 7.22% 64.7%

AmeriState Bank (S) Atoka 1.55% 16.77% 3,092 2.51% 207,211 147,216 183,772 80.1% 18,634 9.2% 10.5% 9.0% 0.7% 7.7% 1.5% 0.6% 4.65% 0.50% 5.13% 59.5%

Lakeside Bank of Salina Salina 1.52% 13.94% 496 2.91% 32,960 24,630 28,950 85.1% 3,492 0.3% -0.1% 10.6% 2.7% 23.3% 3.1% 0.3% 5.92% 0.27% 6.19% 56.1%

Welch State Bank of Welch (S) Welch 1.51% 12.68% 3,309 1.93% 220,445 152,070 187,044 81.3% 27,583 8.8% -0.8% 12.5% 0.4% 2.8% 2.3% 0.0% 4.68% 0.46% 5.11% 56.9%

Idabel National Bank (S) Idabel 1.49% 16.17% 1,766 1.67% 120,996 61,757 92,443 66.8% 11,325 2.8% 3.9% 9.4% 0.2% 2.3% 2.0% 0.2% 3.48% 0.75% 4.19% 50.7%

Exchange Bank and Trust Co. (S) Perry 1.48% 17.45% 3,787 2.26% 268,036 153,972 240,451 64.0% 24,433 1.6% 11.1% 9.1% 1.1% 12.3% 1.6% 0.2% 3.95% 0.59% 4.51% 51.0%

F&M National Bank of Fairview (S) Fairview 1.46% 13.65% 1,481 1.80% 103,185 31,350 88,936 35.3% 12,365 -2.7% 3.0% 12.0% 0.0% 0.0% 3.0% 0.0% 3.74% 0.32% 4.05% 50.0%

First National B&T of Elk City (S) Elk City 1.45% 13.95% 4,671 2.18% 326,866 195,209 292,357 66.8% 34,366 7.2% 5.4% 10.5% 0.5% 4.7% 1.4% 0.1% 3.54% 0.48% 3.98% 43.5%

First Bank of Owasso (S) Owasso 1.44% 12.02% 3,445 2.33% 245,797 176,163 215,324 81.8% 30,088 -3.1% -0.5% 12.2% 0.0% 0.0% 1.8% 0.0% 4.07% 0.18% 4.24% 52.9%

Washita Valley Bank Fort Cobb 1.41% 8.87% 577 1.83% 40,754 17,207 34,107 50.5% 6,620 6.6% 1.5% 16.2% 0.3% 4.5% 0.6% -0.1% 4.90% 0.49% 5.39% 55.7%

First State Bank Boise City 1.40% 17.26% 830 2.14% 62,620 47,878 52,897 90.5% 5,242 8.8% 3.1% 8.4% 0.5% 6.4% 0.9% 0.1% 4.67% 0.39% 5.03% 57.7%

State Bank of Wynnewood (S) Wynnewood 1.40% 10.98% 1,158 1.63% 80,619 44,642 68,909 64.8% 11,485 0.5% -2.8% 14.3% 0.3% 2.0% 1.5% 0.1% 3.85% 0.38% 4.18% 55.1%

First National Bank of Hooker Hooker 1.38% 11.49% 962 1.81% 73,080 31,841 58,433 54.5% 9,052 28.4% 4.6% 12.4% 0.1% 0.7% 1.2% -0.1% 4.08% 0.55% 4.57% 52.4%

Farmers State Bank, Allen (S) Allen 1.35% 11.64% 552 2.11% 40,680 31,227 35,193 88.7% 4,852 11.6% -8.5% 11.9% 1.3% 10.4% 1.3% 0.0% 5.29% 0.31% 5.58% 60.9%

Security National Bank of Enid (S) Enid 1.34% 14.12% 4,324 2.01% 326,325 169,202 294,931 57.4% 30,769 -0.3% 2.0% 9.4% 0.2% 2.7% 1.4% -0.1% 3.56% 0.24% 3.79% 47.1%

Community Bank Bristow 1.33% 17.54% 1,056 2.03% 81,607 45,178 75,270 60.0% 6,209 1.5% 0.4% 7.6% 0.1% 1.1% 1.1% 0.0% 4.06% 0.37% 4.41% 59.5%

First Bank & Trust Co. (S) Duncan 1.32% 10.90% 7,422 2.03% 583,795 367,539 510,247 72.0% 70,678 3.2% 9.4% 12.1% 2.1% 17.1% 1.1% 0.4% 3.99% 0.22% 4.20% 57.1%

First NB&T Co. of Okmulgee (S) Okmulgee 1.32% 11.96% 3,070 2.07% 231,784 132,798 200,120 66.4% 25,090 0.7% 1.3% 10.9% 1.2% 11.3% 1.8% 0.7% 3.94% 0.35% 4.26% 57.4%

Grand Bank Tulsa 1.30% 10.21% 2,756 1.63% 236,974 181,113 192,553 94.1% 26,906 13.0% 23.7% 11.4% 0.6% 4.6% 2.2% -0.1% 4.78% 0.36% 5.13% 62.0%

Payne County Bank (S) Perkins 1.30% 7.50% 1,824 1.99% 148,810 73,560 121,878 60.4% 26,388 -2.0% 10.2% 17.7% 0.1% 1.4% 1.2% 0.1% 4.60% 0.47% 5.03% 59.8%


Summary of financial performance for banks and thrifts headquartered in Oklahoma as of 2014 Q2


2014 Q2 Oklahoma Financial Performance Report


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Bank of Commerce (S) Duncan 1.29% 12.29% 2,187 2.28% 184,442 133,595 148,169 90.2% 18,231 9.3% 14.1% 10.0% 0.5% 4.6% 1.6% 0.4% 4.50% 1.07% 5.42% 55.0%

FirstBank (S) Antlers 1.29% 15.44% 3,194 2.24% 258,942 219,962 218,100 100.9% 20,179 10.1% 9.5% 7.8% 0.5% 6.7% 1.2% 0.2% 7.04% 0.77% 7.82% 71.3%

Bank of Locust Grove Locust Grove 1.28% 12.33% 392 2.26% 31,468 17,220 27,782 62.0% 3,075 21.0% 6.3% 9.8% 0.6% 5.5% 2.3% 0.1% 5.06% 0.19% 5.24% 65.3%

Eastman NB of Newkirk Newkirk 1.27% 13.59% 2,891 2.16% 227,915 153,630 186,166 82.5% 22,201 14.7% 5.0% 9.7% 0.4% 3.9% 1.5% 0.1% 3.99% 0.15% 4.14% 52.3%

Southwest National Bank Weatherford 1.26% 10.80% 833 1.86% 68,878 34,076 60,668 56.2% 7,892 6.0% 9.0% 11.5% 0.4% 3.4% 2.2% 0.4% 4.52% 0.29% 4.80% 59.2%

JRMB II Inc. (S) Lawton 1.24% 10.65% 8,631 3.02% 714,019 312,213 559,645 55.8% 90,068 18.7% -4.5% 12.6% 1.1% 8.2% 1.9% 3.4% 3.46% 0.29% 3.77% 80.2%

Bank of Commerce Yukon 1.23% 12.31% 2,239 2.03% 182,449 131,887 156,092 84.5% 19,591 5.1% -6.0% 10.7% 0.7% 5.7% 1.2% 0.2% 4.31% 0.34% 4.65% 62.6%

First Bank of Okarche (S) Okarche 1.23% 10.21% 917 1.89% 81,789 33,062 72,409 45.7% 9,277 7.4% 22.6% 11.3% 0.6% 5.1% 1.8% 0.2% 3.45% 0.18% 3.62% 46.8%

State Exchange Bank Lamont 1.22% 9.45% 581 1.57% 52,023 37,419 44,531 84.0% 6,370 17.5% 10.4% 12.2% 0.1% 0.6% 5.3% -0.4% 4.43% 0.48% 4.83% 65.1%

First Enterprise Bank (S) Oklahoma City 1.22% 10.31% 1,698 1.87% 149,816 134,957 122,486 110.2% 17,097 15.8% 6.2% 11.4% 3.0% 22.9% 1.7% 0.0% 5.44% 0.50% 5.90% 67.6%

Community NB of Okarche (S) Okarche 1.21% 8.39% 906 1.70% 81,239 35,250 62,350 56.5% 11,354 8.5% 15.7% 14.0% 0.0% 0.0% 1.5% 0.0% 3.42% 0.34% 3.71% 52.0%

First NB&T Co. of McAlester (S) McAlester 1.19% 10.19% 5,339 1.74% 453,157 202,038 396,344 51.0% 53,901 -0.1% -0.2% 11.9% 2.5% 22.8% 1.5% 0.0% 3.35% 0.42% 3.74% 49.4%

First National Bank Heavener 1.17% 12.30% 893 1.70% 76,279 48,402 63,434 76.3% 7,341 -0.5% 5.6% 9.6% 0.4% 3.5% 1.5% 0.0% 4.94% 0.42% 5.33% 69.9%

Bank of Kremlin (S) Kremlin 1.17% 10.85% 2,771 1.95% 245,160 174,583 212,681 82.1% 26,372 2.8% -0.6% 10.8% 0.2% 1.8% 1.7% 0.1% 4.23% 0.48% 4.69% 56.1%

Citizens Bank of Oklahoma (S) Pawhuska 1.17% 10.35% 2,002 2.06% 190,360 148,928 169,015 88.1% 20,368 13.9% 17.7% 10.7% 0.8% 7.0% 1.6% 0.1% 4.63% 0.60% 5.20% 55.2%

Peoples Bank (S) Westville 1.17% 10.57% 598 1.68% 50,339 32,441 43,592 74.4% 5,833 -3.6% -4.3% 11.6% 0.2% 1.7% 1.0% -0.2% 4.72% 0.44% 5.11% 69.2%

Central NB of Poteau (S) Poteau 1.17% 13.45% 2,649 1.66% 228,200 108,268 206,090 52.5% 20,862 1.5% -0.7% 9.1% 0.4% 4.5% 0.7% 0.1% 3.79% 0.36% 4.14% 61.3%

Oklahoma State Bank (S) Vinita 1.16% 11.77% 1,385 1.85% 122,160 90,912 105,035 86.6% 12,305 7.9% 1.9% 10.1% 1.9% 17.5% 1.3% 0.4% 4.50% 0.86% 5.32% 64.5%

First NB of Oklahoma (S) Oklahoma City 1.16% 12.27% 3,284 1.87% 306,544 232,856 264,382 88.1% 27,143 16.7% 10.6% 8.9% 0.4% 5.1% 1.1% 0.0% 4.44% 0.52% 4.94% 58.0%

Alva State Bank & Trust Co. (S) Alva 1.15% 9.70% 2,914 1.95% 274,455 171,204 236,543 72.4% 33,010 27.8% 26.6% 12.0% 1.6% 13.1% 1.4% 0.1% 3.32% 0.56% 3.84% 42.9%

Sooner State Bank (S) Tuttle 1.15% 9.98% 1,958 1.59% 179,791 106,957 159,103 67.2% 20,247 21.8% 11.2% 11.3% 0.2% 4.7% 1.0% 0.0% 4.01% 0.48% 4.46% 61.2%

Community Bank (S) Alva 1.13% 13.31% 1,031 1.28% 95,076 35,684 83,943 42.5% 8,794 8.6% 9.5% 9.3% 0.0% 0.0% 1.8% -0.2% 2.87% 0.64% 3.47% 53.9%

First State Bank Noble 1.13% 13.67% 662 0.91% 57,034 20,227 51,711 39.1% 5,118 -8.9% -6.4% 9.0% 1.7% 20.6% 1.5% 1.0% 4.62% 0.17% 4.83% 80.7%

High Plains Bank (S) Keyes 1.13% 9.50% 770 1.79% 70,467 59,843 60,586 98.8% 7,005 12.7% 12.8% 10.1% 1.7% 15.4% 1.0% 0.0% 4.68% 0.65% 5.28% 60.8%

First Fidelity Bancorp, Inc. (S) Oklahoma City 1.13% 14.59% 15,480 1.85% 1,404,899 805,413 1,153,352 69.8% 93,271 20.2% 15.8% 6.7% 2.6% 34.6% 1.4% -0.1% 3.99% 0.52% 4.51% 59.8%

Bank of the Panhandle (S) Guymon 1.12% 9.09% 1,534 1.49% 139,522 70,600 113,257 62.3% 17,477 5.5% -2.2% 12.6% 0.0% 0.0% 1.5% 0.0% 3.62% 0.57% 4.14% 62.5%

Anchor D Bank (S) Texhoma 1.12% 12.07% 2,012 1.41% 183,759 109,874 148,299 74.1% 18,733 15.5% -0.4% 10.2% 0.0% 0.0% 1.3% 0.0% 3.70% 0.73% 4.40% 59.5%

Citizens State Bank (S) Okemah 1.12% 10.50% 2,860 1.73% 272,250 188,126 240,135 78.3% 27,519 -23.7% 0.9% 10.1% 0.5% 8.4% 0.3% 0.0% 3.01% 0.64% 3.59% 43.3%

Farmers and Merchants Bank (S) Maysville 1.12% 16.18% 241 1.72% 21,696 10,438 20,166 51.8% 1,527 3.6% 5.7% 7.0% 0.0% 0.1% 1.5% 0.0% 3.81% 0.17% 3.97% 59.8%

First National B&T Co., Chickasha Chickasha 1.11% 9.02% 4,969 2.46% 465,505 302,122 401,861 75.2% 48,983 6.2% 11.5% 10.7% 1.5% 13.0% 1.8% 1.2% 4.78% 0.22% 5.00% 53.6%

Cleo State Bank (S) Cleo Springs 1.11% 7.33% 1,034 2.30% 95,561 28,591 80,884 35.4% 14,667 -0.1% 6.1% 15.4% 0.7% 5.5% 1.4% 1.9% 3.79% 0.22% 3.98% 42.8%

BOK Financial Corporation Tulsa 1.10% 9.93% 301,199 1.57% 27,853,768 13,721,816 20,583,754 66.7% 2,798,161 8.1% 5.5% 10.2% 0.8% 7.1% 1.4% -0.1% 2.69% 0.28% 2.96% 65.2%

Security State Bank of Wewoka Wewoka 1.10% 13.17% 1,693 2.07% 153,053 108,928 136,896 79.6% 13,918 8.8% -5.4% 9.1% 0.4% 8.5% 1.9% 0.8% 4.27% 0.55% 4.79% 55.8%

Pauls Valley National Bank Pauls Valley 1.08% 11.15% 2,476 1.30% 234,613 114,337 206,506 55.4% 23,876 15.5% 4.3% 10.2% 0.4% 5.3% 1.3% -0.1% 4.18% 0.37% 4.54% 67.6%

Fairview S&LA Fairview 1.07% 6.50% 411 1.55% 40,310 28,595 33,587 85.1% 6,538 0.8% 8.2% 16.2% 0.2% 1.3% 0.7% 0.0% 4.10% 0.52% 4.56% 62.2%

American National Bank (S) Ardmore 1.06% 11.04% 3,500 1.51% 343,431 174,215 297,528 58.6% 33,942 11.6% 9.1% 9.9% 0.1% 0.5% 1.7% 0.1% 3.63% 0.67% 4.29% 61.7%

Spirit BankCorp, Inc. Bristow 1.06% 15.90% 8,685 1.42% 755,824 620,161 517,547 119.8% 24,974 -8.3% -28.8% 3.3% 6.8% 71.4% 2.6% 1.5% 4.41% 0.60% 5.17% 85.8%

First State Bank (S) Watonga 1.05% 10.88% 564 1.89% 54,720 27,378 47,570 57.6% 5,565 1.3% -2.0% 10.2% 0.5% 4.5% 2.5% 0.7% 7.14% 0.50% 7.87% 60.9%

Oklahoma State Bank (S) Buffalo 1.03% 14.12% 568 1.58% 57,087 25,522 52,840 48.3% 4,180 12.1% 5.0% 7.3% 0.0% 0.5% 0.9% 0.1% 3.74% 0.16% 3.90% 63.2%




2014 Q2 Oklahoma Financial Performance Report (Cont.)


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Southwest Bancorp, Inc. Stil lwater 1.03% 7.88% 20,475 1.21% 1,885,158 1,351,094 1,463,855 92.3% 269,471 2.9% -9.4% 14.3% 3.1% 19.3% 2.5% -0.1% 3.36% 0.40% 3.80% 69.6%

Stock Exchange Bank Woodward 1.03% 10.38% 2,819 1.38% 276,592 80,392 246,452 32.6% 28,397 5.0% -0.9% 10.3% 0.1% 1.0% 2.8% 0.3% 2.77% 0.21% 2.98% 52.5%

Bank 2 Oklahoma City 1.01% 7.88% 1,091 1.26% 109,666 63,104 91,301 69.1% 14,216 -1.1% 7.2% 13.0% 1.6% 11.2% 1.8% 0.1% 4.03% 0.84% 4.84% 84.2%

0.50% - 1.00% ROAA Banks

McCurtain County NB Broken Bow 0.98% 10.03% 1,955 1.64% 202,705 109,978 181,969 60.4% 20,432 0.7% 4.7% 10.1% 0.8% 7.6% 1.9% 0.1% 3.25% 0.59% 3.81% 54.5%

Bank of Commerce (S) Chelsea 0.98% 8.96% 1,452 1.59% 156,438 88,848 136,660 65.0% 16,884 3.5% 10.1% 10.8% 1.7% 14.8% 1.5% 0.3% 4.31% 0.66% 4.94% 66.3%

BancCentral, NA (S) Alva 0.98% 9.96% 3,372 0.64% 483,348 151,152 443,348 34.1% 33,697 27.1% 57.1% 7.1% 0.2% 3.6% 1.9% -0.2% 3.23% 0.26% 3.50% 71.4%

Bank of Western Oklahoma (S) Elk City 0.97% 11.75% 2,205 1.50% 225,794 180,967 206,205 87.8% 16,735 7.2% 0.0% 7.5% 0.4% 6.9% 0.8% 0.0% 4.54% 0.30% 4.85% 66.9%

First National Bank in Marlow (S) Marlow 0.97% 11.75% 643 1.26% 65,262 36,451 49,916 73.0% 5,649 3.6% -2.0% 8.7% 0.6% 6.6% 0.6% 0.1% 4.30% 0.72% 4.97% 71.5%

F&M Bank (S) Edmond 0.97% 11.68% 2,967 1.36% 331,470 189,562 293,472 64.6% 24,541 -0.3% 17.4% 7.5% 1.6% 17.9% 2.3% 0.1% 3.77% 0.36% 4.14% 66.0%

First National Bank of Lindsay Lindsay 0.97% 11.43% 466 1.82% 51,691 18,306 47,207 38.8% 4,456 -2.3% 18.6% 8.6% 1.3% 13.9% 1.6% 0.3% 3.58% 0.24% 3.82% 52.7%

RCB Holding Company, Inc. (S) Claremore 0.96% 9.92% 20,415 1.33% 2,367,929 1,235,291 2,067,420 59.8% 173,877 20.2% 16.4% 7.5% 0.4% 4.8% 1.3% 0.0% 3.47% 0.47% 3.94% 62.2%

Midland Financial Co. (S) Oklahoma City 0.96% 7.98% 95,378 1.91% 9,268,587 7,626,540 5,765,125 132.3% 1,130,771 -3.6% 2.3% 12.2% 2.1% 15.8% 1.0% 0.0% 3.76% 0.97% 4.83% 62.8%

Liberty National Bank (S) Lawton 0.96% 10.02% 2,387 1.54% 247,942 154,067 221,093 69.7% 24,778 2.8% -3.5% 10.0% 1.3% 12.2% 1.1% 0.1% 4.41% 0.31% 4.70% 65.7%

First American Bank (S) Norman 0.95% 10.88% 3,050 1.30% 290,438 178,324 259,251 68.8% 29,948 -14.1% -16.2% 10.3% 0.5% 4.6% 1.3% 0.0% 3.91% 0.25% 4.17% 74.9%

Bank of Laverne Laverne 0.95% 6.29% 597 1.25% 65,174 23,370 54,927 42.6% 9,804 -3.4% 2.7% 15.0% 0.1% 0.8% 1.0% 0.6% 3.75% 0.27% 4.00% 61.9%

First Bank & Trust Company (S) Perry 0.94% 8.87% 1,374 1.32% 154,531 64,377 138,127 46.6% 16,191 2.2% 8.6% 10.5% 0.4% 3.2% 1.1% 0.1% 3.52% 0.26% 3.76% 65.3%

First NB&T Co. of Weatherford (S) Weatherford 0.94% 9.62% 1,973 1.54% 216,368 153,660 184,161 83.4% 19,899 22.3% -3.3% 9.3% 0.2% 1.5% 0.7% 0.2% 4.36% 0.31% 4.68% 68.0%

BancFirst Corporation Oklahoma City 0.94% 10.31% 57,697 1.38% 6,368,675 3,665,908 5,721,617 64.1% 524,469 13.0% 11.1% 8.3% 0.7% 7.9% 1.2% 0.0% 2.97% 0.26% 3.22% 66.6%

Bank of Wyandotte (S) Wyandotte 0.94% 10.21% 121 1.24% 12,893 6,826 11,060 61.7% 1,250 -1.5% 0.4% 9.7% 0.7% 10.3% 2.0% 0.3% 5.88% 0.45% 6.33% 75.3%

Bank of Beaver City (S) Beaver 0.92% 12.57% 1,328 1.27% 139,681 77,820 124,582 62.5% 12,002 2.1% -4.7% 8.6% 0.5% 7.7% 2.1% 0.0% 3.72% 0.58% 4.29% 65.6%

First National Bank in Altus (S) Altus 0.92% 9.72% 2,685 1.50% 280,191 125,130 206,708 60.5% 30,359 15.2% 4.0% 10.8% 0.7% 6.0% 1.8% 0.0% 3.58% 0.51% 4.08% 57.5%

Patriot Bank (S) Tulsa 0.91% 7.09% 1,071 1.78% 132,656 123,721 102,722 120.4% 13,877 31.8% 9.4% 10.7% 0.4% 3.6% 1.4% 0.2% 4.32% 0.81% 5.04% 59.3%

City NB&T Co. of Guymon (S) Guymon 0.91% 10.62% 1,601 1.41% 180,815 72,000 146,624 49.1% 15,750 10.2% -0.4% 8.7% 0.0% 1.2% 1.2% 0.1% 3.38% 0.42% 3.77% 62.9%

First State Bank (S) Anadarko 0.88% 7.86% 827 1.26% 94,569 23,593 82,875 28.5% 11,658 7.7% 6.3% 12.3% 0.3% 2.2% 3.1% -0.1% 3.41% 0.76% 4.12% 65.2%

Peoples State Bank (S) Blair 0.87% 9.92% 151 1.66% 18,190 10,127 16,652 60.8% 1,531 -13.0% 12.3% 8.4% 0.1% 0.9% 1.2% 0.7% 5.02% 0.26% 5.27% 72.0%

Durant Bancorp, Inc. (S) Durant 0.87% 9.50% 20,901 1.33% 2,536,919 1,504,288 2,081,217 72.3% 209,932 6.6% 8.9% 8.3% 3.1% 34.2% 1.2% 0.2% 3.54% 0.45% 3.98% 74.2%

First State Bank, Pond Creek (S) Pond Creek 0.86% 10.57% 476 1.26% 56,940 24,900 52,245 47.7% 4,678 -4.5% 6.6% 8.2% 0.0% 0.3% 2.5% 0.0% 3.47% 0.50% 3.95% 66.7%

First Bethany Bank & Trust (S) Bethany 0.85% 10.76% 1,674 0.91% 192,021 67,773 134,395 50.4% 17,318 3.4% 3.2% 9.0% 0.3% 3.5% 1.5% -0.6% 2.85% 0.28% 3.13% 66.7%

First State Bank (S) Valliant 0.83% 6.91% 366 0.49% 42,189 22,780 36,688 62.1% 5,380 -5.9% -8.1% 12.8% 0.8% 5.7% 3.1% 1.8% 3.97% 0.25% 4.17% 88.1%

American Exchange Bank, Lindsay Lindsay 0.83% 7.28% 427 0.86% 54,568 12,950 47,055 27.5% 6,082 5.6% 10.9% 11.2% 0.0% 0.6% 6.7% -0.1% 3.82% 0.17% 3.97% 75.2%

First State Bank Commerce 0.82% 7.60% 98 1.39% 11,201 6,187 8,869 69.8% 1,398 -7.6% -20.1% 12.5% 0.7% 4.8% 2.1% 0.3% 6.24% 0.41% 6.65% 75.6%

First National Bank of Thomas (S) Thomas 0.81% 5.23% 333 1.24% 42,175 17,681 35,842 49.3% 6,309 9.7% 4.4% 15.0% 0.0% 0.0% 1.9% -0.1% 4.18% 0.30% 4.48% 69.3%

Wilburton State Bank (S) Wilburton 0.80% 9.22% 524 1.24% 65,855 27,060 59,967 45.1% 5,466 5.9% -3.1% 8.3% 0.2% 2.6% 2.3% 0.3% 4.02% 0.43% 4.52% 68.2%

First National Bank in Okeene (S) Okeene 0.80% 5.08% 445 1.78% 54,722 28,664 45,249 63.4% 9,439 0.0% -6.7% 17.3% 0.0% 0.0% 2.4% 0.0% 4.17% 0.52% 4.62% 55.5%

American Bancorporation, Inc. (S) Sapulpa 0.80% 9.67% 8,154 0.92% 1,039,158 382,063 824,138 46.4% 85,322 -1.6% 3.8% 8.3% 0.2% 2.5% 1.5% 0.2% 2.88% 0.47% 3.39% 68.0%

Fort Gibson State Bank Fort Gibson 0.80% 13.18% 496 1.03% 63,641 37,285 59,243 62.9% 3,987 5.3% 8.9% 6.3% 0.2% 2.5% 1.0% 0.3% 4.95% 0.67% 5.58% 78.8%

Citizens Bank of Edmond (S) Edmond 0.80% 8.60% 2,025 1.13% 251,936 181,365 224,733 80.7% 23,827 12.5% -3.2% 9.5% 3.9% 35.9% 1.8% -0.1% 4.08% 0.19% 4.26% 72.7%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


First National B&T Co. of Vinita (S) Vinita 0.79% 10.25% 2,705 1.59% 339,426 160,502 301,752 53.2% 28,910 -1.9% -2.3% 8.5% 1.4% 15.7% 1.5% 0.4% 3.59% 0.51% 4.07% 60.8%

Peoples NB of Checotah (S) Checotah 0.78% 5.11% 998 1.29% 130,250 46,492 107,352 43.3% 19,766 -7.4% 3.6% 15.2% 0.5% 3.3% 2.2% 0.5% 3.30% 0.41% 3.67% 68.2%

American Exchange Bank (S) Henryetta 0.78% 7.14% 492 0.92% 63,158 40,141 55,554 72.3% 6,868 0.7% -5.0% 10.9% 0.2% 8.0% 0.8% 0.9% 4.79% 0.40% 5.20% 77.5%

First NB&T Co. of Ardmore (S) Ardmore 0.78% 9.04% 3,751 1.08% 495,532 192,882 411,454 46.9% 39,678 2.0% 4.9% 8.1% 0.2% 1.9% 1.5% 0.0% 3.16% 0.21% 3.36% 69.4%

Oklahoma Heritage Bank Stratford 0.77% 10.34% 664 1.27% 89,286 58,214 81,524 71.4% 6,777 10.4% 7.6% 7.6% 0.7% 8.1% 1.5% 0.3% 3.83% 1.09% 4.88% 69.3%

Grant County Bank (S) Medford 0.76% 7.29% 612 1.05% 78,598 22,610 69,266 32.6% 9,005 -0.2% -1.3% 11.5% 0.4% 5.7% 4.1% 0.1% 2.66% 0.45% 3.07% 59.1%

Triad Bank, NA (S) Tulsa 0.76% 9.01% 1,391 1.34% 175,617 136,624 155,966 87.6% 15,572 4.0% -7.8% 8.9% 1.0% 10.6% 1.3% 0.1% 3.61% 0.44% 4.03% 61.0%

First National Bank of Stigler (S) Stigler 0.76% 9.95% 778 1.85% 103,791 41,121 95,997 42.8% 7,539 -15.1% 3.0% 7.3% 0.1% 1.7% 1.3% 1.8% 3.54% 0.25% 3.78% 52.3%

Citizens B&T Co. of Ardmore (S) Ardmore 0.76% 8.32% 1,484 1.01% 200,319 95,284 166,064 57.4% 18,547 10.3% 6.2% 9.3% 0.0% 0.3% 1.0% 0.0% 3.30% 0.21% 3.49% 72.3%

Bank of Commerce (S) Chouteau 0.75% 8.78% 273 0.87% 35,454 19,059 32,191 59.2% 3,146 -3.9% -3.6% 8.9% 1.3% 13.8% 1.5% 0.2% 4.50% 0.24% 4.73% 81.1%

Chickasha Bank & Trust Co. (S) Chickasha 0.75% 6.05% 1,474 1.45% 198,767 122,556 165,992 73.8% 20,933 -9.8% 2.1% 10.8% 3.0% 27.8% 0.7% 0.0% 4.24% 0.13% 4.37% 64.3%

NBC Oklahoma (S) Oklahoma City 0.75% 9.84% 3,960 1.11% 561,154 392,841 503,212 78.1% 41,949 7.2% 5.7% 7.5% 1.3% 15.2% 1.3% 0.1% 4.36% 0.25% 4.63% 72.8%

Oklahoma Bank and Trust Co. (S) Clinton 0.74% 6.12% 1,198 1.04% 168,243 56,598 134,324 42.1% 20,381 17.7% -0.4% 12.1% 0.1% 1.1% 1.6% 0.1% 2.46% 0.41% 2.83% 60.0%

Bank of Commerce (S) Stilwell 0.72% 7.20% 690 1.23% 92,312 62,349 79,786 78.2% 10,277 0.7% -1.0% 11.1% 2.4% 21.4% 0.5% 0.5% 3.87% 0.36% 4.20% 69.0%

Security Bank and Trust Co. (S) Miami 0.71% 7.73% 543 0.81% 81,107 36,085 70,831 51.0% 7,790 16.2% 10.4% 9.6% 0.9% 8.7% 2.4% -0.1% 3.20% 0.45% 3.60% 70.6%

First Bank of Fairland (S) Fairland 0.71% 6.49% 81 1.16% 11,519 7,970 10,245 77.8% 1,027 1.0% 7.3% 9.1% 0.0% 2.4% 0.7% 0.0% 4.77% 0.21% 4.97% 77.8%

Lakeside State Bank (S) Oologah 0.70% 7.58% 426 0.97% 62,848 24,679 56,649 43.6% 5,981 4.8% 5.6% 9.5% 0.4% 8.6% 1.2% 0.1% 3.91% 0.42% 4.32% 77.9%

Community State Bank (S) Poteau 0.69% 7.46% 1,417 1.47% 219,514 159,703 189,376 84.3% 19,029 5.4% 16.3% 8.7% 0.9% 9.9% 0.9% 0.3% 5.03% 0.55% 5.57% 72.3%

Grand Savings Bank Grove 0.69% 6.63% 1,528 1.52% 237,778 168,911 206,813 81.7% 22,502 2.8% 4.0% 9.5% 1.3% 13.5% 0.3% 0.2% 4.56% 0.74% 5.32% 69.3%

Bank of the Wichitas (S) Snyder 0.69% 8.21% 863 0.84% 132,650 69,690 115,079 60.6% 10,468 12.3% 4.6% 7.9% 0.6% 6.5% 1.6% -0.3% 4.07% 0.50% 4.56% 81.1%

Exchange Bank Skiatook 0.68% 7.36% 612 0.82% 89,264 47,055 78,263 60.1% 8,745 -4.4% 1.5% 9.8% 4.3% 40.7% 1.5% 0.4% 4.43% 0.54% 4.99% 80.8%

First Liberty Bank Oklahoma City 0.68% 6.46% 1,517 1.48% 222,742 154,685 197,831 78.2% 24,173 8.0% 0.1% 10.9% 1.9% 15.4% 1.9% 0.6% 4.30% 0.45% 4.76% 63.0%

First State Bank in Temple Temple 0.68% 3.36% 154 0.82% 23,017 9,064 18,271 49.6% 4,727 -5.3% 11.4% 20.5% 0.5% 2.4% 4.8% -0.1% 4.44% 0.43% 4.78% 79.1%

Hopeton State Bank Hopeton 0.68% 3.36% 176 0.30% 29,623 7,069 24,111 29.3% 5,339 20.6% 28.3% 18.0% 0.0% 0.0% 2.5% -0.7% 3.56% 0.35% 3.88% 91.4%

Vision Bancshares, Inc. (S) Ada 0.68% 8.70% 4,394 1.08% 660,948 377,681 475,517 79.4% 48,866 1.4% 0.9% 7.4% 0.7% 9.0% 1.1% 0.3% 3.76% 0.53% 4.30% 74.8%

Valley National Bank Tulsa 0.67% 7.33% 2,013 0.73% 398,666 279,182 357,110 78.2% 38,064 67.1% 90.6% 9.6% 2.9% 27.3% 1.5% 0.7% 3.71% 0.47% 4.13% 79.8%

Central Service Corporation (S) Enid 0.67% 10.65% 3,967 1.17% 601,638 423,899 531,347 79.8% 37,935 5.8% 7.6% 6.3% 1.4% 26.2% 0.9% 0.4% 3.85% 0.50% 4.45% 77.4%

Mabrey Bancorporation, Inc. (S) Okmulgee 0.66% 9.92% 5,187 0.95% 817,546 597,814 725,086 82.5% 46,612 13.2% 6.8% 5.8% 1.4% 21.0% 1.3% 0.4% 4.01% 0.38% 4.40% 71.2%

First Security Bank and Trust Co. (S) Oklahoma City 0.65% 7.85% 324 1.51% 47,530 40,147 43,266 92.8% 4,229 0.3% -5.3% 8.9% 4.6% 48.2% 0.8% 0.6% 5.47% 0.33% 5.80% 75.9%

First Farmers NB of Waurika (S) Waurika 0.65% 3.81% 296 1.15% 44,921 15,778 36,689 43.0% 8,216 2.7% 0.9% 18.3% 0.5% 2.9% 7.0% 0.0% 3.51% 0.36% 3.80% 67.2%

Firstar Bank, NA (S) Sallisaw 0.64% 5.81% 3,017 1.66% 465,786 358,768 399,583 89.8% 36,645 3.7% 9.8% 8.1% 1.3% 14.1% 1.5% 0.8% 4.56% 0.52% 5.10% 69.4%

Valliance Bank (S) Oklahoma City 0.64% 6.79% 1,920 1.11% 305,705 224,408 253,897 88.4% 32,847 14.3% 14.2% 10.7% 2.5% 21.6% 1.2% 0.0% 4.24% 0.72% 4.95% 73.6%

Washita State Bank (S) Burns Flat 0.64% 5.57% 798 1.15% 128,992 60,362 83,159 72.6% 15,664 -12.7% 6.6% 12.2% 0.2% 1.2% 1.7% 0.4% 2.52% 2.38% 4.99% 48.1%

Cornerstone Bank Watonga 0.64% 8.74% 933 0.65% 150,253 55,249 135,705 40.7% 11,935 14.0% 8.2% 7.9% 0.3% 4.4% 1.5% 0.0% 3.32% 0.47% 3.79% 73.9%

Farmers State Bank (S) Quinton 0.64% 9.28% 558 0.92% 91,723 43,609 80,520 54.2% 6,958 10.1% 5.3% 7.6% 0.1% 1.6% 2.1% 0.3% 4.08% 0.39% 4.48% 78.6%

State Guaranty Bank (S) Okeene 0.63% 4.87% 261 1.00% 43,616 27,094 38,026 71.3% 5,258 65.4% 12.4% 12.1% 0.4% 3.6% 0.3% 0.0% 3.01% 0.41% 3.39% 70.6%

First State Bank (S) Yukon 0.63% 7.49% 135 1.07% 20,751 17,932 18,938 94.7% 1,805 15.1% -4.0% 8.7% 0.9% 9.2% 0.9% 0.0% 5.29% 0.42% 5.71% 80.4%

FNB Community Bank (S) Midwest City 0.61% 5.77% 2,786 0.81% 458,557 176,370 397,096 44.4% 50,821 15.2% -1.2% 11.1% 0.1% 0.5% 1.0% 0.1% 2.84% 0.56% 3.36% 72.3%

First State Bank Oklahoma City 0.61% 6.29% 1,064 1.26% 177,264 151,411 154,057 98.3% 16,220 20.8% 18.1% 9.2% 1.3% 12.8% 1.2% 0.0% 4.23% 0.69% 4.89% 75.2%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Stroud National Bank (S) Stroud 0.60% 6.02% 486 0.84% 82,962 46,465 65,866 70.5% 8,510 -2.3% 4.9% 10.3% 0.8% 6.9% 1.9% 0.5% 4.24% 0.89% 4.99% 81.1%

Advantage Bank (S) Oklahoma City 0.59% 5.25% 353 0.91% 60,886 34,063 53,941 63.2% 6,860 -5.8% 7.0% 11.3% 0.5% 7.6% 1.2% 0.2% 4.85% 0.40% 5.23% 82.1%

First Bank and Trust Company (S) Clinton 0.58% 6.08% 386 1.15% 64,509 30,741 50,379 61.0% 6,384 -0.7% -5.3% 9.9% 0.4% 5.2% 1.2% 0.1% 3.50% 0.19% 3.69% 73.7%

First American Bank (S) Erick 0.58% 6.71% 261 0.85% 47,210 13,638 43,180 31.6% 3,813 -13.4% 8.9% 8.1% 0.0% 0.0% 1.1% 0.0% 2.56% 0.12% 2.67% 69.5%

Bank of Cherokee County Hulbert 0.58% 8.52% 596 0.91% 100,594 68,334 92,807 73.6% 7,396 -2.2% -5.8% 7.4% 1.3% 15.1% 1.6% 0.4% 4.28% 0.63% 4.88% 79.6%

Regent Bank Nowata 0.57% 5.37% 1,116 1.16% 199,688 170,108 171,388 99.3% 18,699 13.0% 11.6% 9.6% 1.2% 11.3% 1.4% 0.4% 4.42% 0.60% 4.99% 74.3%

Farmers and Merchants Bank (S) Arnett 0.57% 5.72% 331 0.84% 61,448 18,427 55,311 33.3% 6,055 -10.7% 10.8% 9.9% 0.0% 3.1% 2.9% -0.3% 2.10% 0.28% 2.36% 63.9%

All America Bank (S) Oklahoma City 0.56% 6.30% 720 0.87% 125,971 62,343 106,898 58.3% 11,586 7.3% -9.3% 9.2% 0.9% 8.4% 2.1% 0.3% 3.49% 0.61% 4.08% 78.0%

Bank of Vici (S) Vici 0.56% 5.71% 252 0.83% 46,101 17,869 41,607 43.0% 4,453 -4.6% 4.9% 9.7% 0.5% 6.6% 0.9% 0.7% 3.35% 1.05% 4.36% 77.8%

Anadarko B&T Company (S) Anadarko 0.56% 5.27% 407 0.70% 80,287 56,822 69,054 82.3% 8,003 20.9% 12.8% 10.0% 0.1% 0.8% 1.4% 0.0% 4.17% 0.54% 4.65% 82.6%

Community State Bank (S) Hennessey 0.56% 7.57% 252 0.88% 51,880 23,069 48,090 48.0% 3,746 6.7% 26.3% 7.2% 1.8% 23.2% 1.4% 0.1% 4.25% 0.12% 4.37% 82.6%

Bank of Grove (S) Grove 0.55% 7.76% 720 1.17% 134,465 106,338 117,736 90.3% 9,586 12.5% 25.6% 7.1% 1.2% 15.1% 1.1% 0.5% 3.67% 1.09% 4.60% 66.2%

First Texoma National Bank Durant 0.55% 4.96% 852 0.55% 154,595 101,180 136,643 74.1% 17,216 -3.2% -1.1% 11.2% 3.5% 28.0% 2.2% 0.0% 3.92% 0.21% 4.13% 87.9%

AllNations Bank Calumet 0.54% 5.10% 252 0.82% 48,812 17,149 43,440 39.5% 4,240 14.4% 5.2% 8.9% 0.0% 1.3% 2.0% 0.0% 3.33% 0.27% 3.61% 74.6%

First National Bank of Seiling (S) Seiling 0.53% 4.70% 442 0.64% 88,737 44,242 78,010 56.7% 9,550 8.1% 10.6% 10.8% 0.1% 2.1% 1.2% 0.0% 3.49% 0.38% 3.84% 79.9%

Latimer State Bank (S) Wilburton 0.52% 3.12% 411 0.82% 78,898 17,900 65,501 27.3% 13,331 -7.9% 0.2% 16.9% 1.0% 8.3% 1.4% 0.2% 2.13% 0.43% 2.51% 64.0%

Bank of Cordell (S) Cordell 0.52% 6.09% 190 0.80% 38,187 34,522 32,269 107.0% 3,176 38.5% -1.7% 8.3% 0.0% 0.0% 0.5% 0.1% 3.31% 0.54% 3.82% 78.0%

Citizens Bank of Ada (S) Ada 0.51% 5.93% 1,028 0.86% 202,584 126,249 164,552 76.7% 17,765 6.6% 3.9% 8.8% 0.6% 6.9% 0.6% 0.2% 3.87% 0.51% 4.36% 82.2%

First National Bank in Hominy (S) Hominy 0.50% 9.70% 209 0.77% 41,491 16,354 38,736 42.2% 2,532 21.9% 5.6% 6.1% 0.5% 7.5% 0.8% -0.1% 3.29% 0.46% 3.74% 80.8%

First State Bank (S) Tahlequah 0.50% 3.76% 323 0.80% 64,705 42,261 55,795 75.7% 8,838 -11.9% 0.6% 13.7% 2.4% 15.9% 2.4% 0.0% 3.46% 0.59% 3.99% 79.3%

Walters Bank and Trust Co. (S) Walters 0.50% 2.25% 276 0.85% 56,477 22,813 44,376 51.4% 12,034 2.2% 0.2% 21.3% 0.1% 1.9% 2.0% 0.1% 3.66% 0.21% 3.84% 78.4%

0.00% - 0.50% ROAA Banks

First National Bank of Fletcher Fletcher 0.48% 4.15% 92 0.37% 20,442 4,698 18,181 25.8% 2,213 -4.9% 17.3% 10.8% 0.1% 1.2% 5.4% 0.0% 3.48% 0.18% 3.64% 86.9%

First State Bank Ryan 0.48% 4.06% 138 0.69% 28,226 15,672 24,709 63.4% 3,467 -6.9% -4.4% 12.3% 1.3% 11.0% 1.5% -0.4% 3.70% 0.77% 4.41% 83.3%

First National Bank of Pawnee (S) Pawnee 0.47% 4.52% 319 0.99% 67,420 23,482 59,854 39.2% 7,448 -16.3% -0.2% 11.1% 1.4% 13.9% 3.2% 0.2% 3.34% 0.27% 3.59% 73.9%

Community Bank of Oklahoma (S) Verden 0.46% 3.44% 158 1.14% 35,806 21,445 31,086 69.0% 4,596 0.7% 9.1% 12.8% 0.5% 8.5% 0.8% 0.9% 5.22% 0.28% 5.48% 78.8%

SNB Bank, NA (S) Shattuck 0.45% 5.80% 344 0.65% 85,337 49,933 73,959 67.5% 7,038 39.4% 30.1% 8.3% 0.4% 4.9% 1.4% 0.0% 3.04% 0.27% 3.29% 79.3%

American Bancorp of Oklahoma (S) Edmond 0.44% 5.55% 2,810 0.85% 646,149 459,184 543,283 84.5% 51,187 12.4% 2.8% 7.9% 0.3% 3.4% 2.1% 0.5% 3.16% 0.51% 3.62% 71.1%

First National B&T Co. of Miami Miami 0.44% 4.81% 577 0.70% 131,121 77,033 118,441 65.0% 11,637 -1.8% -4.2% 8.9% 1.1% 12.5% 1.1% 0.3% 3.48% 0.16% 3.63% 80.6%

Shamrock Bank, N.A. (S) Coalgate 0.43% 3.59% 1,124 1.20% 269,843 130,165 236,897 55.0% 30,789 6.3% 2.7% 11.4% 0.9% 7.5% 1.0% 1.5% 4.09% 0.27% 4.34% 69.6%

Community State Bank of Canton Canton 0.43% 4.58% 175 1.27% 45,682 21,684 41,644 52.1% 3,938 -1.1% 13.1% 8.6% 0.5% 8.1% 5.1% 1.4% 4.18% 0.35% 4.52% 72.3%

Peoples Bank (S) Tulsa 0.42% 5.00% 445 0.70% 106,547 77,959 95,345 81.8% 8,515 -2.5% 0.4% 8.0% 1.0% 11.4% 1.1% 0.2% 4.47% 0.29% 4.77% 85.5%

McClain Bank Purcell 0.42% 4.35% 807 1.30% 193,400 108,257 171,740 63.0% 19,338 14.3% 3.4% 10.0% 0.8% 7.6% 0.8% 1.7% 3.84% 0.21% 4.04% 71.1%

Bankers Bank Oklahoma City 0.41% 2.97% 866 0.59% 243,111 115,118 162,277 70.9% 29,477 9.8% -1.7% 12.1% 0.1% 1.1% 1.9% 0.1% 2.84% 0.21% 3.03% 92.5%

First National B&T Co. Shawnee 0.39% 3.28% 923 0.36% 237,469 97,717 206,734 47.3% 26,648 11.6% -4.8% 11.4% 0.4% 3.1% 1.8% 0.4% 3.39% 0.19% 3.57% 86.1%

American Bank of Oklahoma Collinsville 0.37% 4.23% 622 0.95% 194,978 165,425 164,531 100.5% 17,358 27.0% 23.7% 8.9% 2.8% 34.4% 0.7% 0.0% 5.26% 0.86% 6.19% 82.0%

First NB&T Co. of Broken Arrow Broken Arrow 0.37% 4.45% 691 0.38% 189,188 102,256 172,440 59.3% 15,938 11.3% -1.2% 8.4% 2.0% 20.9% 1.8% 0.1% 3.31% 0.24% 3.54% 89.3%

First National Bank of Coweta (S) Coweta 0.37% 4.92% 246 0.48% 66,594 25,359 61,113 41.5% 5,383 -2.5% -0.4% 8.1% 0.9% 13.0% 1.9% -0.1% 3.28% 0.28% 3.54% 85.6%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Stockmans Bank (S) Altus 0.36% 4.66% 552 0.91% 159,067 128,669 144,962 88.8% 12,157 3.2% 3.3% 7.6% 1.3% 23.7% 0.8% 0.2% 4.93% 0.65% 5.59% 81.9%

AVB Bank Broken Arrow 0.36% 2.53% 923 0.65% 265,516 182,981 210,459 86.9% 37,160 26.0% -3.9% 14.0% 1.5% 9.9% 1.8% 0.2% 4.00% 0.32% 4.29% 84.2%

Farmers Bank (S) Carnegie 0.34% 3.13% 145 0.89% 41,525 24,735 36,861 67.1% 4,655 -21.2% -6.6% 11.2% 3.0% 32.3% 1.3% 2.3% 4.62% 0.31% 4.92% 81.5%

American Bank and Trust Co. Tulsa 0.33% 3.53% 670 0.48% 199,144 77,255 164,864 46.9% 19,489 -6.6% 1.4% 9.8% 1.0% 17.2% 0.9% 0.0% 2.74% 0.34% 3.09% 83.8%

First Oklahoma Bank Tulsa 0.33% 3.16% 868 0.76% 309,985 232,256 278,306 83.5% 30,050 24.0% 36.1% 9.7% 0.3% 3.3% 1.0% 0.3% 3.95% 0.86% 4.78% 83.9%

American Bank Wagoner 0.32% 1.61% 100 0.34% 30,367 5,646 23,892 23.6% 6,260 -8.5% -2.4% 20.6% 0.0% 0.0% 1.3% -0.1% 2.91% 0.22% 3.08% 82.4%

Farmers & Merchants Bank (S) Duke 0.32% 2.88% 55 0.49% 16,531 5,942 14,590 40.7% 1,928 9.6% -5.9% 11.7% 0.0% 0.0% 1.3% 0.0% 2.45% 0.23% 2.65% 82.5%

Bank of Eufaula Eufaula 0.30% 2.21% 285 0.25% 99,009 40,977 83,083 49.3% 13,430 9.0% 6.5% 13.6% 0.5% 3.8% 1.4% 0.6% 3.76% 0.22% 3.96% 93.4%

First National Bank of Nash Nash 0.28% 3.97% 54 0.39% 20,481 5,956 19,069 31.2% 1,392 3.2% 20.3% 6.8% 0.0% 0.0% 0.5% 0.0% 2.29% 0.08% 2.37% 84.3%

Liberty Federal Savings Bank Enid 0.28% 7.31% 280 -0.48% 99,123 48,370 95,064 50.9% 3,889 -18.9% -6.1% 3.9% 6.6% 127.1% 2.7% -0.2% 2.55% 0.66% 3.22% 119.1%

Oklahoma State Bank Guthrie 0.27% 2.27% 207 0.51% 93,632 77,388 81,556 94.9% 6,717 37.2% 26.1% 7.4% 0.5% 8.2% 0.5% 0.0% 4.53% 0.57% 5.09% 87.8%

Frontier State Bank (S) Oklahoma City 0.27% 2.41% 1,692 1.12% 656,462 414,276 435,562 95.1% 74,233 -1.2% 13.9% 11.3% 3.5% 30.4% 1.8% 1.0% 2.63% 2.09% 4.63% 60.0%

First NB in Pawhuska Pawhuska 0.25% 2.21% 72 0.27% 29,603 8,523 26,033 32.7% 3,299 -12.0% 2.5% 11.1% 4.5% 35.4% 5.8% -0.5% 3.41% 0.47% 3.90% 92.8%

First State Bank (S) Grandfield 0.24% 3.58% 98 0.64% 39,485 18,160 36,336 50.0% 2,788 0.4% -6.3% 7.1% 2.8% 37.1% 2.1% 0.7% 2.88% 0.76% 3.63% 79.7%

Bank, National Association (S) McAlester 0.23% 2.79% 922 1.59% 405,063 211,369 368,265 57.4% 35,305 13.3% 0.2% 8.7% 1.1% 11.8% 1.8% 0.0% 3.79% 0.44% 4.23% 62.6%

YNB (S) Yukon 0.18% 2.36% 341 0.23% 187,944 110,859 171,476 64.7% 14,183 2.5% 3.2% 7.6% 1.3% 16.4% 0.9% 0.0% 3.65% 0.32% 3.98% 92.9%

Spiro State Bank Spiro 0.09% 0.71% 44 0.04% 51,226 14,775 44,801 33.0% 6,321 -3.1% -4.5% 12.3% 0.1% 2.3% 2.7% 0.1% 3.34% 0.21% 3.57% 95.9%

Great Nations Bank Norman 0.03% 0.21% 15 0.49% 53,666 42,407 46,461 91.3% 7,118 14.7% 24.1% 13.3% 0.6% 4.0% 1.4% 0.3% 4.06% 0.92% 4.88% 88.4%

Yorktown Bank Pryor 0.00% 0.02% 3 0.65% 73,336 53,534 59,592 89.8% 9,307 -9.8% -18.5% 13.5% 1.6% 12.1% 0.8% 0.0% 4.30% 0.36% 4.65% 82.3%


Midstate Bancorp, Inc. (S) Oklahoma City -0.12% -2.92% (582) 0.85% 487,062 379,363 438,391 86.5% 19,529 4.8% -4.0% 4.0% 4.9% 96.4% 1.3% 1.7% 4.69% 0.50% 5.26% 86.6%

First Security Bank (S) Beaver -0.15% -1.95% (182) 0.39% 117,861 68,095 108,318 62.9% 9,106 -1.9% 5.0% 7.7% 1.0% 12.2% 0.8% 1.1% 1.87% 0.68% 2.54% 79.3%

First Commercial Bank Edmond -0.42% -3.71% (1,287) 1.12% 305,908 217,787 261,169 83.4% 32,723 -2.9% 0.8% 10.8% 1.8% 14.1% 2.6% 1.8% 4.25% 0.54% 4.77% 75.4%

First State Bank Elmore City -0.50% -6.76% (49) -0.50% 9,967 6,671 9,206 72.5% 687 9.4% 4.8% 6.9% 0.0% 0.0% 0.8% 0.1% 4.44% 0.07% 4.50% 108.2%

First Pryority Bank Pryor -0.74% -6.21% (899) 0.60% 125,982 65,368 109,747 59.6% 15,505 -1.2% 7.2% 12.3% 3.1% 22.8% 2.6% 3.8% 2.89% 0.65% 3.47% 78.8%

Freedom Bank of Oklahoma (S) Tulsa -1.20% -12.00% (511) -0.51% 41,022 29,373 37,203 79.0% 3,669 6.9% -1.6% 8.9% 10.2% 90.5% 3.2% 0.3% 3.99% 0.47% 4.45% 114.8%

First State Bank (S) Waynoka -1.23% -11.27% (288) -0.35% 23,306 3,876 20,835 18.6% 2,464 -35.2% -3.2% 10.6% 0.8% 7.6% 3.6% 7.1% 2.52% 0.37% 2.87% 111.0%

Average 0.86% 8.64% 3,996 1.37% 412,799 244,342 327,906 67.2% 40,705 6.2% 5.5% 10.3% 1.0% 10.5% 1.7% 0.3% 4.00% 0.46% 4.44% 68.6%

Median 0.82% 8.87% 922 1.28% 128,992 68,334 108,318 66.7% 13,331 5.3% 4.3% 10.0% 0.5% 6.5% 1.5% 0.1% 3.97% 0.42% 4.41% 68.2%






2014 Q2

Texas Financial

Performance Report

member SIPC


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Beal Financial Corporation (S) Plano 4.72% 15.33% 397,971 7.20% 8,107,061 5,567,603 3,817,941 145.8% 2,685,885 -3.3% -13.9% 33.1% 6.6% 24.0% 2.4% 0.4% 8.70% 0.86% 9.35% 19.3%

Briscoe Ranch, Inc. Uvalde 3.33% 14.05% 41,703 7.98% 1,335,007 213,967 929,214 23.0% 327,619 8.8% 14.2% 24.6% 0.5% 1.8% 1.3% 0.0% 1.92% 0.29% 2.18% 16.0%

State Bank of Texas (S) Dallas 2.93% 13.77% 12,592 4.51% 413,266 326,750 304,027 107.5% 93,280 2.4% -19.9% 22.6% 2.5% 10.5% 1.8% -0.2% 6.25% 0.60% 6.76% 29.5%

Charter Bank (S) Corpus Christi 2.66% 34.61% 6,173 3.13% 247,775 131,665 209,414 62.9% 20,455 11.1% 12.0% 8.3% 0.2% 2.3% 1.3% -0.2% 6.51% 0.16% 6.67% 49.1%

First W. Mortgage Corporation (S) Fort Worth 2.66% 11.92% 27,495 4.11% 1,015,125 526,786 701,353 75.1% 224,536 -22.0% -4.2% 22.1% 2.7% 11.7% 2.4% 0.2% 5.88% 0.45% 6.31% 72.3%

T Bank, National Association Dallas 2.05% 15.29% 2,931 2.90% 159,045 129,229 130,528 99.0% 20,475 23.9% 39.7% 12.9% 0.9% 6.7% 1.4% 1.1% 4.87% 0.52% 5.33% 78.9%

Waggoner NB of Vernon (S) Vernon 1.83% 14.37% 4,965 2.39% 278,800 150,518 241,293 62.4% 35,413 0.1% 7.4% 12.7% 0.6% 4.7% 3.0% 0.0% 4.09% 0.43% 4.51% 46.2%

Ciera Bank (S) Graham 1.80% 15.69% 7,679 2.74% 484,971 332,399 418,398 79.5% 56,689 130.3% 90.2% 11.8% 1.5% 17.4% 1.8% 0.3% 6.11% 0.72% 6.75% 54.3%

Oakwood State Bank Oakwood 1.75% 7.89% 90 2.35% 5,205 1,294 4,008 32.3% 1,181 14.5% 14.6% 22.7% 0.1% 0.4% 2.6% 0.3% 3.41% 0.00% 3.41% 61.0%

TexasBank (S) Brownwood 1.74% 14.40% 6,068 2.71% 375,072 270,794 307,064 88.2% 43,921 24.3% 22.1% 11.8% 0.3% 2.3% 1.5% 0.0% 5.19% 0.27% 5.44% 52.1%

First National Bank (S) Fabens 1.73% 16.99% 5,598 2.75% 324,903 205,081 275,326 74.5% 34,341 5.2% 1.7% 10.6% 0.3% 2.2% 1.2% 0.2% 4.15% 0.45% 4.57% 50.1%

Citizens State Bank (S) Miles 1.69% 17.18% 1,526 2.71% 97,211 81,283 87,816 92.6% 9,175 20.6% 15.8% 9.4% 0.2% 1.5% 1.3% 0.0% 5.49% 0.26% 5.75% 48.9%

Trinity Bank, N.A. Fort Worth 1.68% 14.16% 3,056 2.22% 184,577 108,647 160,679 67.6% 23,066 15.1% 4.5% 12.5% 0.2% 1.2% 1.3% 0.1% 3.61% 0.24% 3.83% 41.3%

First Financial Bankshares, Inc. Abilene 1.65% 14.14% 84,342 2.28% 5,446,356 2,786,644 4,318,458 64.5% 544,384 8.1% 10.2% 10.2% 0.5% 4.5% 1.3% 0.1% 3.95% 0.08% 4.04% 50.1%

Cowboy Bank of Texas (S) Maypearl 1.63% 17.17% 913 2.59% 57,376 37,976 51,557 73.7% 5,714 4.2% 4.1% 10.0% 0.8% 7.3% 1.2% 0.0% 4.88% 0.56% 5.41% 55.0%

First NB of Hughes Springs (S) Hughes Springs 1.59% 10.91% 3,488 2.16% 237,987 136,592 203,800 67.0% 32,710 11.0% 5.1% 13.8% 0.6% 6.1% 1.4% 0.3% 5.08% 0.18% 5.25% 55.2%

Texas Heritage National Bank (S) Daingerfield 1.58% 15.02% 1,707 2.39% 114,360 85,227 88,342 96.5% 12,719 12.0% -0.9% 11.1% 1.1% 9.9% 1.2% 0.0% 4.34% 0.94% 5.30% 55.7%

Cadence Bancorp, LLC Houston 1.57% 10.28% 101,159 1.02% 7,052,792 5,355,300 5,680,274 94.3% 645,075 26.1% 16.5% 9.6% 0.7% 11.4% 0.9% 0.2% 4.54% 0.40% 4.95% 76.1%

Muenster State Bank (S) Muenster 1.57% 12.11% 2,530 1.80% 165,189 34,350 133,470 25.7% 22,988 -0.6% 5.4% 13.9% 1.2% 8.6% 1.6% 0.3% 3.12% 0.22% 3.32% 41.6%

Texas Citizens Bank, NA Pasadena 1.56% 16.23% 4,891 0.76% 313,474 254,291 272,300 93.4% 32,257 9.0% 3.2% 10.3% 2.4% 21.2% 1.3% 0.0% 4.88% 0.48% 5.35% 85.1%

Horizon Bank, SSB Austin 1.55% 17.47% 6,972 2.32% 495,115 420,856 424,304 99.2% 42,160 42.5% 24.7% 8.6% 0.0% 0.3% 1.1% 0.0% 4.70% 0.54% 5.20% 57.5%

First Bank, NA Conroe 1.53% 18.45% 5,312 1.85% 354,587 256,636 326,953 78.5% 26,394 4.1% 7.1% 7.5% 0.8% 9.9% 1.3% 0.1% 4.81% 0.20% 5.00% 65.5%

Santa Anna National Bank Santa Anna 1.52% 12.69% 693 1.98% 46,332 21,404 37,831 56.6% 5,811 18.7% -1.5% 12.5% 0.1% 0.7% 1.4% 0.0% 4.26% 0.33% 4.54% 52.6%

First State Bank of Bedias (S) Bedias 1.51% 12.51% 2,260 2.29% 149,727 67,267 130,210 51.7% 19,127 -7.6% 2.3% 12.8% 0.6% 4.1% 1.9% 0.3% 3.87% 0.56% 4.40% 41.5%

Normangee State Bank Normangee 1.50% 11.22% 1,564 2.37% 104,816 62,175 89,537 69.4% 14,945 17.5% 2.5% 14.3% 1.5% 12.4% 1.1% 0.5% 4.53% 0.43% 4.91% 48.5%

WestStar Bank Holding Co. (S) El Paso 1.48% 16.22% 15,211 2.26% 1,069,385 737,070 967,508 76.2% 96,968 9.4% 10.7% 9.1% 0.8% 8.8% 1.0% 0.0% 4.26% 0.22% 4.48% 52.8%

Preston State Bank Dallas 1.46% 7.49% 1,737 1.09% 124,154 92,501 99,162 93.3% 24,132 -8.2% 2.3% 19.4% 1.1% 5.4% 2.1% -0.7% 4.72% 0.49% 5.12% 77.1%

Security State Bank Pearsall 1.46% 14.93% 6,683 1.90% 485,144 244,315 425,609 57.4% 45,548 10.5% 15.1% 9.4% 1.0% 10.7% 0.3% 0.0% 3.49% 0.40% 3.86% 48.1%

Crockett National Bank (S) San Angelo 1.46% 15.10% 6,550 2.97% 508,040 429,517 367,183 117.0% 37,763 17.7% 11.0% 7.6% 0.9% 11.9% 1.0% 0.1% 3.88% 0.52% 4.35% 75.1%

Coleman County State Bank (S) Coleman 1.45% 15.52% 1,412 2.28% 100,060 74,105 90,433 81.9% 9,583 6.9% 5.9% 9.6% 0.2% 2.2% 1.1% 0.0% 4.95% 0.30% 5.23% 58.4%

Central Community Corporation Temple 1.45% 14.53% 19,444 1.63% 1,384,690 562,003 1,114,042 50.5% 136,506 2.5% 15.4% 9.9% 2.6% 24.2% 2.6% 0.0% 3.51% 0.53% 4.09% 53.3%

Hilltop Holdings Inc. Dallas 1.45% 9.44% 123,874 2.45% 9,396,448 5,970,723 6,155,309 97.0% 965,261 28.0% 36.9% 10.6% 0.6% 6.3% 0.7% 0.1% 4.87% 0.40% 5.30% 79.9%

Sanger Bank Sanger 1.45% 11.36% 1,653 1.87% 122,894 67,743 107,377 63.1% 15,276 7.1% 9.7% 12.4% 0.1% 3.7% 1.0% 0.0% 4.22% 0.52% 4.69% 57.9%

Olney Bancshares of Texas, Inc. (S) Olney 1.45% 14.29% 33,677 2.18% 2,536,643 2,020,297 2,203,059 91.7% 180,955 22.5% 22.3% 7.4% 3.6% 46.2% 0.8% 0.0% 4.02% 0.21% 4.28% 48.0%

Citizens 1st Bank (S) Tyler 1.45% 7.69% 10,664 1.80% 735,035 245,743 462,805 53.1% 147,701 7.4% 1.7% 20.1% 0.8% 4.1% 0.8% 0.1% 2.72% 0.99% 3.55% 30.8%

Vintage Bank (S) Waxahachie 1.44% 15.02% 2,372 2.22% 178,697 125,098 157,333 79.5% 16,816 17.2% 11.6% 9.4% 0.7% 6.4% 1.3% 0.0% 4.86% 0.33% 5.18% 58.8%

Grandview Bank Grandview 1.44% 14.87% 1,916 2.02% 132,212 97,029 117,116 82.9% 12,969 5.8% -2.1% 9.9% 0.3% 2.5% 1.3% 0.1% 4.54% 0.32% 4.85% 57.5%

Libertad Bank SSB Austin 1.44% 12.93% 840 0.57% 66,068 50,145 53,304 94.1% 7,076 42.2% 18.1% 10.7% 0.3% 2.8% 1.1% -0.1% 3.82% 1.24% 4.86% 84.9%

Triumph Savings Bank, SSB Dallas 1.43% 8.45% 5,369 2.96% 415,166 316,987 316,779 100.1% 52,512 17.9% 13.5% 13.1% 2.7% 19.7% 1.1% 0.6% 10.17% 1.08% 11.16% 69.5%


Summary of financial performance for banks and thrifts headquartered in Texas as of 2014 Q2


2014 Q2 Texas Financial Performance Report


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Bank of DeSoto, NA (S) Desoto 1.43% 13.98% 2,592 2.23% 184,875 108,502 165,913 65.4% 18,780 0.5% 2.2% 10.2% 2.0% 22.1% 1.1% 0.2% 6.86% 0.69% 7.70% 60.6%

Texas Champion Bank (S) Corpus Christi 1.43% 14.51% 5,337 2.22% 387,075 264,921 302,889 87.5% 34,956 14.6% 9.6% 9.1% 1.4% 13.7% 1.5% 0.0% 4.38% 0.27% 4.65% 61.4%

First National Bank of Albany (S) Albany 1.42% 14.74% 6,731 2.09% 488,895 197,568 434,888 45.4% 50,844 3.9% 7.9% 10.4% 0.2% 2.3% 2.1% 0.3% 3.39% 0.28% 3.65% 38.2%

Prosperity Bancshares, Inc. Houston 1.41% 9.54% 260,891 2.20% 21,253,920 9,308,162 17,286,831 53.9% 1,189,251 50.8% 38.1% 6.2% 0.1% 2.3% 0.8% 0.0% 3.68% 0.28% 3.94% 40.1%

First National Bank of Burleson (S) Burleson 1.41% 15.59% 2,529 1.75% 175,508 70,464 158,521 44.5% 16,384 -10.7% 0.3% 9.3% 0.2% 2.4% 0.8% -0.1% 3.19% 0.15% 3.33% 48.9%

Industry Bancshares, Inc. Industry 1.40% 16.94% 35,778 1.66% 2,782,705 518,510 2,461,112 21.1% 227,000 9.7% 18.5% 8.3% 0.1% 1.7% 1.7% 0.5% 2.85% 1.11% 3.84% 36.8%

Community NB&T of Texas Corsicana 1.40% 12.76% 7,037 1.91% 494,696 297,496 428,713 69.4% 50,243 39.5% 39.0% 10.3% 0.5% 4.1% 1.3% 0.0% 4.41% 0.21% 4.62% 56.7%

West Texas State Bank (S) Snyder 1.39% 13.18% 2,019 2.00% 140,305 77,071 123,610 62.4% 16,414 -3.9% -4.6% 11.7% 1.4% 11.1% 1.9% 0.1% 3.93% 0.18% 4.10% 51.5%

Tejas Bank (S) Monahans 1.39% 12.13% 1,719 2.27% 135,276 84,805 120,352 70.5% 12,506 27.7% 24.8% 9.4% 0.0% 0.2% 1.0% 0.0% 4.56% 0.32% 4.87% 50.9%

Security Star Bancshares, Inc. (S) Midland 1.37% 14.95% 11,010 2.39% 820,845 540,192 715,815 75.5% 47,712 1.0% 6.8% 6.0% 0.3% 4.9% 1.5% 0.1% 5.47% 0.17% 5.70% 58.7%

National Bank of Andrews (S) Andrews 1.37% 15.57% 2,179 2.26% 173,345 82,817 152,164 54.4% 16,537 0.4% 14.0% 9.6% 0.1% 3.9% 1.6% 0.2% 4.00% 0.13% 4.13% 59.5%

Community Bank (S) Longview 1.37% 16.47% 2,997 2.10% 220,471 160,803 180,826 88.9% 19,049 5.3% -4.3% 8.6% 0.0% 0.0% 1.0% 0.0% 3.65% 0.24% 3.88% 48.6%

First State Bank (S) Shallowater 1.36% 8.19% 848 2.08% 66,400 45,993 55,332 83.1% 8,651 20.8% 9.0% 13.5% 0.4% 3.0% 2.3% 0.1% 4.90% 0.62% 5.49% 58.4%

Commercial State Bank (S) Andrews 1.34% 14.80% 6,732 2.52% 542,116 358,659 492,709 72.8% 46,677 7.0% 14.4% 8.6% 1.9% 19.6% 1.5% 0.5% 5.26% 0.44% 5.69% 54.4%

First Community Bank (S) Corpus Christi 1.34% 16.02% 4,802 2.20% 363,172 265,157 328,264 80.8% 32,688 10.8% 0.4% 9.0% 0.6% 5.9% 1.7% 0.2% 5.27% 0.43% 5.69% 66.7%

Citizens NB of Wills Point (S) Wills Point 1.34% 11.36% 1,424 1.84% 111,534 64,128 98,218 65.3% 12,864 10.0% 10.2% 11.5% 0.1% 0.8% 1.2% 0.0% 3.89% 0.50% 4.37% 54.1%

First State Bank and Trust Co. Carthage 1.33% 8.95% 6,193 1.84% 492,452 167,378 391,991 42.7% 72,449 1.9% 9.9% 14.7% 0.1% 1.4% 0.5% 0.2% 3.41% 0.37% 3.75% 47.8%

First Bank (S) Burkburnett 1.33% 14.25% 3,953 2.26% 326,944 263,686 277,280 95.1% 28,663 13.5% 22.5% 8.8% 1.2% 11.9% 1.6% 0.1% 4.92% 0.42% 5.32% 69.2%

NewFirst National Bank (S) El Campo 1.32% 13.13% 7,056 2.12% 556,288 399,472 495,978 80.5% 55,497 20.0% 11.6% 10.0% 1.0% 10.7% 1.4% 0.0% 4.71% 0.17% 4.87% 60.7%

Texas NB of Jacksonville Jacksonville 1.32% 13.68% 4,853 2.10% 399,893 351,849 338,309 104.0% 37,251 20.2% 16.4% 9.3% 1.1% 10.7% 1.5% 0.1% 4.41% 1.02% 5.38% 52.9%

Citizens State Bank Sealy 1.31% 12.73% 2,717 1.43% 227,670 76,214 202,793 37.6% 22,874 7.5% 18.2% 10.1% 0.0% 0.2% 1.2% 0.0% 3.18% 0.36% 3.52% 52.2%

First NB of Chill icothe (S) Chill icothe 1.29% 10.55% 625 1.31% 48,333 18,001 41,446 43.4% 6,085 -4.7% 0.0% 12.6% 0.4% 3.6% 1.4% 0.1% 3.49% 0.45% 3.90% 60.5%

Citizens NB of Hillsboro (S) Hillsboro 1.28% 12.70% 2,563 1.26% 201,258 27,668 133,807 20.7% 22,022 -3.5% 1.4% 10.9% 0.1% 0.8% 1.4% 0.0% 2.45% 0.70% 3.10% 49.8%

Preston National Bank (S) Dallas 1.28% 8.55% 727 1.97% 59,942 53,275 51,103 104.3% 8,515 6.5% 15.3% 14.2% 1.1% 7.6% 1.4% 0.1% 6.06% 0.30% 6.33% 69.2%

Wallis State Bank (S) Wallis 1.27% 13.01% 5,048 2.06% 401,341 257,561 346,905 74.3% 38,496 5.2% 6.4% 9.6% 1.1% 10.7% 1.0% 0.3% 4.21% 0.58% 4.78% 65.2%

Citizens Bank, NA (S) Abilene 1.27% 10.87% 1,381 1.89% 114,850 73,156 89,537 81.7% 8,954 5.7% 12.1% 8.1% 0.3% 3.6% 1.5% 0.0% 4.07% 0.12% 4.19% 53.1%

Peoples State Bank (S) Rocksprings 1.27% 10.95% 863 1.63% 69,186 24,584 60,896 40.4% 8,219 6.4% 16.1% 11.9% 0.0% 0.0% 0.3% 0.0% 2.94% 0.40% 3.30% 41.5%

Brush Country Bank (S) Freer 1.26% 14.05% 569 2.02% 44,577 28,225 40,309 70.0% 3,523 4.1% -7.9% 8.0% 0.6% 6.7% 0.7% 0.1% 4.34% 0.31% 4.65% 59.3%

International Bancshares Corp. Laredo 1.26% 10.48% 152,134 1.96% 12,436,467 5,437,515 8,422,639 64.6% 1,252,524 10.7% 2.8% 10.3% 1.2% 13.4% 1.3% 0.2% 3.20% 0.47% 3.68% 52.4%

Amarillo National Bancorp, Inc. (S) Amarillo 1.25% 11.83% 47,847 2.23% 3,902,853 2,936,381 3,326,236 88.3% 430,818 12.7% 14.5% 11.0% 0.7% 6.3% 1.2% 0.4% 3.42% 0.23% 3.62% 50.0%

First State Bank Athens 1.25% 11.83% 4,504 1.89% 369,085 222,650 327,936 67.9% 38,937 5.9% 5.1% 10.6% 0.3% 3.1% 1.4% 0.1% 4.46% 0.19% 4.66% 60.1%

Golden Bank, NA Houston 1.24% 9.63% 7,134 1.42% 576,912 332,648 495,078 67.2% 78,954 19.0% 0.6% 13.7% 1.2% 8.3% 1.7% -0.6% 3.37% 0.56% 3.87% 58.1%

First State Bank of Ben Wheeler (S) Ben Wheeler 1.24% 10.96% 1,583 1.92% 128,860 54,283 113,534 47.8% 14,999 13.6% 4.4% 11.6% 0.3% 5.6% 1.1% 0.0% 3.79% 0.50% 4.26% 55.2%

Citizens State Bank Tyler 1.23% 11.94% 3,734 1.97% 311,410 270,454 208,570 129.7% 32,825 20.5% 5.2% 10.5% 0.0% 0.7% 1.0% 0.2% 4.11% 0.65% 4.72% 56.6%

Falls City National Bank Falls City 1.23% 15.90% 3,595 1.88% 308,516 101,924 283,778 35.9% 24,323 13.4% 8.7% 7.9% 1.4% 21.1% 1.3% 0.3% 3.59% 0.17% 3.80% 33.4%

Citizens State Bank (S) Corrigan 1.22% 12.35% 1,388 2.05% 118,228 56,950 105,952 53.8% 11,703 -3.1% 9.8% 9.9% 0.1% 2.2% 1.2% 0.4% 4.27% 0.64% 4.89% 55.9%

Sundown State Bank Sundown 1.20% 14.68% 1,732 1.46% 135,127 89,921 122,255 73.6% 12,337 2.0% -6.1% 9.1% 0.0% 3.4% 1.0% -0.1% 4.16% 0.23% 4.39% 62.5%

Zavala County Bank Crystal City 1.20% 9.81% 787 1.22% 66,145 9,899 56,564 17.5% 8,635 1.3% 0.1% 13.1% 0.0% 0.0% 1.7% 0.1% 3.14% 0.22% 3.37% 62.9%

First State Bank (S) Yoakum 1.20% 11.66% 1,976 1.56% 175,327 68,775 154,429 44.5% 18,259 5.3% 14.1% 10.4% 0.4% 3.5% 1.2% 0.1% 3.46% 0.52% 3.95% 55.8%




2014 Q2 Texas Financial Performance Report (Cont.)


Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Fidelity Bank Wichita Falls 1.19% 12.66% 3,292 2.05% 366,002 248,436 327,603 75.8% 34,004 37.8% 47.2% 9.4% 1.1% 11.2% 1.4% 0.2% 4.79% 0.27% 5.04% 58.3%

North American Bancshares Sherman 1.19% 10.99% 24,685 1.73% 2,125,872 1,341,724 1,815,601 73.9% 208,818 8.6% 5.4% 10.0% 2.5% 23.1% 1.6% 0.0% 3.58% 0.38% 3.95% 55.4%

Westbound Bank Katy 1.19% 7.61% 1,647 0.60% 140,793 72,864 116,927 62.3% 20,962 -15.5% 0.3% 14.9% 0.5% 3.1% 1.8% -0.7% 3.61% 0.64% 4.25% 86.4%

Justin State Bank (S) Justin 1.19% 9.01% 816 1.68% 69,701 47,288 60,048 78.8% 9,288 -3.6% 1.7% 13.3% 1.8% 12.7% 1.6% 0.0% 5.32% 0.09% 5.40% 71.0%

Lone Star State Bank of W. Texas (S) Lubbock 1.19% 10.32% 6,739 1.94% 645,074 563,637 560,651 100.5% 59,458 27.3% 22.4% 9.4% 0.4% 4.3% 1.3% 0.1% 4.27% 0.34% 4.59% 52.1%

Legend Bancorp, Inc. (S) Bowie 1.18% 11.21% 6,920 1.79% 607,257 359,648 518,485 69.4% 53,708 8.5% 4.1% 9.0% 0.8% 8.6% 1.7% 0.1% 4.35% 0.31% 4.65% 60.2%

Citizens NB at Brownwood (S) Brownwood 1.18% 9.58% 2,250 1.83% 194,372 108,304 169,191 64.0% 23,819 2.1% 3.9% 12.3% 2.7% 21.0% 1.7% 0.4% 3.62% 0.18% 3.79% 55.0%

First State Bank (S) Louise 1.18% 15.19% 3,873 1.76% 342,669 231,651 296,941 78.0% 26,675 16.9% 0.0% 7.8% 0.2% 1.8% 1.2% 0.1% 4.57% 0.18% 4.74% 63.5%

First National Bank of Bastrop (S) Bastrop 1.18% 10.96% 4,799 1.67% 427,836 217,389 378,781 57.4% 46,885 4.5% 12.7% 11.0% 0.8% 8.0% 1.7% 0.1% 3.79% 0.32% 4.10% 60.8%

Texas Bank Financial (S) Weatherford 1.18% 13.91% 1,208 1.88% 116,577 90,401 106,494 84.9% 9,740 33.9% 39.5% 8.4% 1.9% 20.7% 1.3% -0.1% 5.17% 0.62% 5.74% 76.3%

First National Bank (S) Spearman 1.18% 13.02% 2,230 1.64% 187,207 108,242 155,523 69.6% 19,218 14.4% 0.4% 10.3% 1.5% 13.5% 1.4% 0.0% 3.83% 0.49% 4.30% 56.0%

State Bank of De Kalb (S) De Kalb 1.17% 9.05% 1,701 2.12% 160,443 133,309 124,127 107.4% 19,303 40.2% 9.6% 12.0% 0.2% 2.3% 1.4% 0.1% 4.54% 0.35% 4.85% 58.5%

Zapata National Bank (S) Zapata 1.17% 10.26% 1,130 1.72% 94,395 39,547 82,934 47.7% 11,256 3.3% -2.5% 11.9% 0.1% 1.1% 1.1% 0.0% 3.49% 0.31% 3.80% 53.8%

Affil iated Bank Arlington 1.16% 10.34% 4,678 1.99% 436,551 393,233 310,240 126.8% 48,110 5.5% -4.6% 11.0% 1.3% 11.5% 1.3% 0.0% 5.13% 0.66% 5.74% 76.4%

Fidelity Bank of Texas Waco 1.16% 9.77% 1,049 1.62% 93,699 63,064 82,336 76.6% 11,240 -1.6% 3.4% 12.0% 1.7% 13.4% 1.1% 0.2% 4.11% 0.36% 4.44% 65.4%

Integrity Bank, SSB Houston 1.16% 11.78% 5,851 1.85% 539,218 442,756 467,417 94.7% 52,720 24.4% 17.4% 9.8% 0.2% 2.3% 1.0% 0.1% 4.16% 0.76% 4.88% 57.7%

Commercial NB of Brady (S) Brady 1.16% 9.38% 1,552 1.69% 138,516 64,681 121,504 53.2% 16,667 -4.6% 5.3% 12.0% 0.1% 1.0% 1.5% 0.0% 4.10% 0.18% 4.27% 58.9%

Inwood Bancshares, Inc. (S) Dallas 1.15% 11.10% 18,293 1.75% 1,665,608 1,175,964 1,439,440 81.7% 134,501 23.0% 12.4% 8.2% 0.3% 2.9% 1.2% 0.0% 3.71% 0.28% 3.98% 54.1%

Roscoe State Bank (S) Roscoe 1.15% 12.89% 1,759 1.03% 150,085 55,480 134,643 41.2% 15,179 35.8% -7.0% 10.1% 0.0% 0.1% 1.5% 0.0% 3.52% 0.20% 3.72% 65.0%

Austin BanCorp, Inc. Jacksonville 1.15% 9.86% 16,722 2.04% 1,491,720 1,060,624 1,283,719 82.6% 164,236 4.0% 6.1% 11.1% 0.6% 4.9% 1.2% 0.3% 4.20% 0.30% 4.48% 60.1%

Southside Bancshares, Inc. Tyler 1.15% 15.18% 39,761 1.64% 3,498,662 1,392,040 2,601,478 53.5% 261,716 7.6% 4.1% 7.5% 0.3% 4.0% 1.3% 1.0% 3.39% 0.53% 3.91% 52.2%

Texas Bank (S) Henderson 1.15% 13.73% 3,828 1.16% 345,927 115,514 290,347 39.8% 29,849 -2.8% 4.5% 8.6% 1.3% 14.6% 1.7% 0.6% 3.55% 0.84% 4.36% 61.5%

First-West Texas Bancshares (S) Midland 1.15% 19.87% 10,372 1.71% 964,623 480,646 862,436 55.7% 48,893 12.6% 13.7% 5.1% 0.2% 3.4% 1.4% 0.0% 3.39% 0.25% 3.64% 53.1%

Pearland State Bank (S) Pearland 1.15% 9.14% 1,959 1.43% 175,783 34,115 153,381 22.2% 21,991 17.9% 8.1% 12.5% 0.0% 0.0% 1.6% 0.0% 2.65% 0.23% 2.86% 49.1%

Security State Bank (S) Littlefield 1.14% 11.84% 1,391 1.12% 114,401 84,131 100,140 84.0% 12,847 -0.9% 4.2% 11.2% 0.0% 0.1% 1.4% 0.2% 5.08% 0.42% 5.52% 75.0%

Citizens State Bank Roma 1.14% 12.00% 929 1.51% 83,294 33,573 69,252 48.5% 8,199 8.4% 0.5% 9.8% 0.7% 6.3% 1.6% 0.2% 4.50% 0.97% 5.40% 70.3%

Farmers NB of Newcastle Newcastle 1.14% 15.55% 456 1.61% 43,135 14,473 39,232 36.9% 3,302 -0.2% 8.6% 7.7% 0.0% 0.9% 1.6% 0.5% 3.79% 0.36% 4.19% 53.4%

Texas Republic Bank, NA Frisco 1.14% 8.58% 1,235 1.89% 131,020 95,575 115,268 82.9% 13,762 24.5% 44.4% 10.6% 0.5% 3.9% 1.2% 0.0% 5.21% 0.54% 5.70% 63.7%

FCT Bancshares, Inc. (S) Waco 1.14% 19.38% 8,316 1.69% 723,236 512,562 652,752 78.5% 44,770 9.0% 1.8% 6.2% 0.7% 9.6% 1.3% 0.1% 3.66% 0.61% 4.34% 51.3%

LegacyTexas Group, Inc. (S) Plano 1.14% 14.47% 19,862 1.73% 1,819,009 1,368,202 1,532,114 89.3% 135,100 18.7% 5.1% 7.5% 0.5% 5.4% 1.4% 0.0% 3.95% 0.35% 4.29% 64.2%

Diboll State Bancshares, Inc. Diboll 1.13% 11.75% 9,829 1.73% 909,076 583,892 819,059 71.3% 79,239 10.3% 8.5% 8.8% 0.4% 5.0% 1.2% 0.1% 3.93% 0.11% 4.06% 63.1%

First Citizens Bancshares, Inc. (S) Waxahachie 1.13% 12.77% 6,970 1.69% 629,770 473,858 548,899 86.3% 54,735 15.4% 3.6% 8.7% 2.4% 26.5% 1.0% 0.1% 4.27% 0.24% 4.53% 70.0%

American NB of Mount Pleasant (S) Mount Pleasant 1.12% 9.98% 1,007 1.52% 94,186 54,668 78,425 69.7% 10,628 4.7% 7.2% 11.3% 0.2% 1.7% 2.2% 0.4% 4.11% 0.53% 4.59% 63.9%

Huntington State Bank Huntington 1.12% 11.83% 2,500 1.09% 224,854 155,337 195,299 79.5% 23,287 6.8% 0.6% 10.4% 0.7% 5.9% 2.4% 0.0% 4.38% 0.29% 4.66% 81.1%

Karnes County NB of Karnes City Karnes City 1.12% 18.60% 3,275 1.47% 308,997 79,905 287,119 27.8% 20,821 14.0% 18.5% 6.7% 0.3% 3.9% 1.4% 0.1% 2.92% 0.15% 3.07% 47.9%

Round Top State Bank Round Top 1.12% 12.04% 4,650 1.51% 434,202 203,792 391,607 52.0% 40,778 29.0% 10.3% 9.4% 0.0% 0.0% 0.8% 0.0% 2.77% 0.74% 3.47% 48.7%

HBank Texas Grapevine 1.11% 10.22% 1,315 1.77% 119,734 62,992 106,285 59.3% 13,386 -9.2% -4.1% 11.2% 0.0% 0.0% 2.1% 0.0% 3.88% 0.32% 4.17% 54.8%

Texas Capital Bancshares, Inc. Dallas 1.11% 11.05% 125,522 1.89% 13,532,830 12,853,259 10,757,321 119.5% 1,091,878 24.2% 34.8% 8.1% 0.3% 3.5% 0.7% 0.1% 4.02% 0.30% 4.30% 55.7%

Woodforest Financial Group (S) The Woodlands 1.11% 15.25% 44,878 1.58% 4,204,847 2,011,727 3,703,144 54.3% 300,380 21.6% 6.7% 7.2% 0.9% 11.7% 1.8% -0.1% 2.40% 0.22% 2.64% 87.2%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


SouthTrust Bank, N.A. (S) George West 1.11% 11.21% 3,389 1.66% 337,180 215,316 304,128 70.8% 31,812 30.9% 21.1% 9.4% 0.9% 8.5% 1.6% 0.1% 4.38% 0.25% 4.62% 62.1%

Plains Bancorp, Inc. (S) Dimmitt 1.10% 14.22% 12,609 1.67% 1,151,938 670,192 942,035 71.1% 87,077 7.5% 1.4% 7.6% 0.5% 6.9% 1.5% 0.1% 3.60% 0.42% 4.02% 58.9%

North Texas Bank, NA (S) Decatur 1.09% 10.76% 1,582 1.64% 154,775 109,266 138,823 78.7% 15,702 25.1% 12.2% 10.2% 0.2% 2.2% 1.3% 0.0% 5.14% 0.23% 5.40% 62.5%

Texas Gulf Bank, NA (S) Lake Jackson 1.09% 11.04% 5,319 1.39% 510,773 292,089 439,179 66.5% 50,445 5.9% 1.6% 9.9% 0.1% 0.9% 1.2% 0.0% 3.88% 0.33% 4.19% 64.4%

Central Bank (S) Houston 1.09% 12.61% 5,091 1.30% 486,351 336,599 415,741 81.0% 41,733 27.4% 4.5% 8.6% 0.0% 0.5% 1.1% -0.1% 4.89% 0.39% 5.26% 72.7%

First National Bank of Gilmer (S) Gilmer 1.08% 9.53% 3,254 1.75% 320,472 209,976 266,963 78.7% 34,305 15.9% 16.8% 10.9% 1.3% 11.8% 1.4% 0.2% 4.68% 0.49% 5.15% 65.3%

Enloe State Bank Cooper 1.08% 9.57% 287 1.51% 27,505 21,885 24,400 89.7% 3,057 13.2% 10.6% 11.1% 0.2% 1.8% 1.2% 0.1% 4.96% 0.76% 5.68% 68.4%

Security State Bank (S) Farwell 1.07% 7.95% 1,232 1.76% 114,156 77,948 97,965 79.6% 15,985 15.5% 4.0% 14.0% 0.0% 0.0% 0.4% 0.0% 4.15% 0.37% 4.55% 51.2%

First NB of Aspermont (S) Aspermont 1.07% 7.17% 698 1.30% 61,237 9,372 50,578 18.5% 10,400 2.8% 5.3% 17.0% 0.0% 0.0% 5.6% 0.0% 2.46% 0.40% 2.81% 44.1%

AccessBank Texas Denton 1.07% 9.05% 1,370 0.41% 133,350 92,409 117,242 78.8% 15,871 11.4% 1.7% 11.9% 1.1% 8.2% 1.6% -0.1% 3.69% 0.65% 4.29% 89.8%

AFNB Holdings, Inc. Houston 1.07% 7.71% 10,227 1.87% 1,038,331 857,633 888,769 96.5% 137,614 16.3% 18.3% 13.3% 1.1% 7.4% 1.4% 0.0% 4.55% 0.58% 5.07% 59.2%

First NB of Hebbronville (S) Hebbronville 1.07% 8.84% 1,448 1.56% 132,046 31,035 114,204 27.2% 16,909 19.4% -3.5% 12.8% 0.4% 2.9% 1.4% 0.2% 2.93% 0.68% 3.60% 51.2%

Morris County National Bank (S) Naples 1.07% 11.60% 966 1.43% 89,382 45,092 78,383 57.5% 8,824 -1.0% 1.2% 9.9% 0.5% 5.2% 1.6% 0.1% 4.05% 0.50% 4.54% 65.1%

First NB of Livingston (S) Livingston 1.06% 7.17% 3,423 1.50% 326,947 108,479 276,193 39.3% 46,002 11.1% 1.0% 14.2% 0.0% 0.2% 1.8% 0.1% 2.92% 0.17% 3.07% 63.0%

Carmine State Bank Carmine 1.06% 8.45% 673 0.98% 67,222 16,533 58,742 28.2% 8,372 1.8% 13.8% 12.5% 0.1% 0.4% 1.1% 0.0% 2.95% 0.71% 3.59% 57.0%

Dilley State Bank Dilley 1.06% 7.70% 1,345 1.52% 132,285 15,491 113,234 13.7% 18,774 -10.0% 10.8% 14.2% 0.1% 0.7% 1.6% 0.1% 2.55% 0.20% 2.74% 47.1%

Spirit of Texas Bank, SSB College Station 1.05% 9.04% 6,246 1.66% 617,640 514,108 506,883 101.4% 64,079 54.3% 36.8% 10.5% 0.5% 4.4% 0.4% 0.0% 4.73% 0.73% 5.41% 71.7%

Citizens State Bank Somerville 1.05% 10.12% 4,137 1.57% 408,056 216,671 361,005 60.0% 42,710 2.5% 2.2% 10.5% 1.2% 12.9% 1.1% 0.4% 4.27% 0.31% 4.58% 65.5%

Cullen/Frost Bankers, Inc. San Antonio 1.05% 9.88% 250,673 1.36% 26,584,688 10,681,368 22,583,708 47.3% 1,961,468 15.8% 18.2% 7.6% 0.3% 3.4% 0.9% 0.2% 2.95% 0.08% 3.03% 59.0%

Guaranty Bancshares, Inc. Mount Pleasant 1.05% 12.79% 12,861 1.27% 1,262,719 721,157 1,028,563 70.1% 109,633 11.1% 10.2% 8.8% 0.5% 5.5% 1.0% 0.1% 3.39% 0.58% 3.94% 65.3%

Houston Community Bank, NA (S) Houston 1.05% 12.74% 3,273 1.43% 319,996 204,606 291,274 70.3% 27,326 11.6% 7.7% 8.6% 0.2% 1.9% 1.0% 0.0% 3.97% 0.23% 4.19% 63.7%

First State Bank of Paint Rock (S) Paint Rock 1.05% 9.55% 875 1.38% 85,181 38,733 74,179 52.2% 9,507 14.4% 2.5% 11.2% 1.8% 14.8% 2.1% 0.0% 3.54% 0.20% 3.72% 60.3%

Johnson City Bank (S) Johnson City 1.05% 8.29% 1,061 1.71% 101,111 76,553 87,880 87.1% 13,067 13.5% 4.1% 12.9% 1.7% 12.4% 0.9% 0.0% 4.43% 0.45% 4.86% 61.5%

Texas Security Bank Dallas 1.04% 8.59% 2,304 1.28% 231,932 186,210 190,208 97.9% 27,587 12.9% 8.8% 11.9% 0.0% 0.0% 1.0% 0.0% 4.20% 0.46% 4.61% 70.9%

First National Bank (S) Wichita Falls 1.04% 10.12% 3,293 1.64% 353,172 296,214 287,630 103.0% 33,507 15.4% 5.7% 9.5% 0.6% 6.0% 1.2% 0.2% 4.74% 0.50% 5.21% 72.6%

Farmers State Bank (S) Center 1.04% 9.39% 4,051 1.53% 373,394 182,317 325,455 56.0% 45,523 6.5% 4.9% 12.2% 0.6% 8.9% 0.9% 0.2% 3.63% 0.30% 3.91% 55.4%

Hondo National Bank (S) Hondo 1.04% 11.00% 2,119 1.26% 216,211 99,595 194,529 51.2% 20,472 -11.6% 10.4% 9.5% 0.3% 3.3% 1.0% 0.1% 3.57% 0.44% 3.99% 63.5%

First NB of Mt. Vernon (S) Mount Vernon 1.03% 10.77% 2,028 1.17% 200,697 60,833 146,055 41.7% 20,861 5.5% 1.4% 10.4% 0.0% 0.1% 1.2% 0.0% 2.77% 0.87% 3.58% 55.4%

City NB of Colorado City (S) Colorado City 1.03% 16.53% 1,326 1.55% 129,858 42,299 120,075 35.2% 9,691 4.1% 1.1% 7.5% 0.0% 0.2% 1.1% 0.1% 3.06% 0.42% 3.48% 55.3%

Yoakum National Bank Yoakum 1.03% 8.83% 2,173 1.41% 217,939 71,732 191,371 37.5% 25,519 -0.4% 12.8% 11.7% 0.0% 0.1% 1.1% 0.0% 2.84% 0.64% 3.44% 49.9%

Pointbank (S) Pilot Point 1.02% 11.21% 3,913 1.17% 401,181 199,960 357,043 56.0% 39,415 11.5% 5.4% 9.8% 1.6% 14.6% 1.8% 0.0% 3.79% 0.30% 4.08% 69.8%

Plains State Bank Humble 1.02% 9.80% 2,928 1.70% 302,895 228,891 270,236 84.7% 29,675 21.0% 21.7% 9.9% 0.4% 3.4% 1.3% -0.1% 4.32% 0.68% 4.93% 62.0%

Texas National Bank Mercedes 1.02% 9.57% 1,215 1.76% 132,330 102,577 98,414 104.2% 13,556 26.2% 11.0% 10.2% 1.7% 18.7% 1.4% 0.1% 6.16% 0.82% 6.96% 71.6%

American National Bank & Trust Wichita Falls 1.01% 7.96% 4,306 1.28% 437,218 276,501 371,322 74.5% 51,474 10.5% 1.9% 11.9% 2.3% 17.5% 1.9% -0.1% 3.28% 0.24% 3.50% 74.3%

Comanche National Bank Comanche 1.01% 8.23% 3,054 1.18% 315,085 107,375 274,226 39.2% 35,524 1.4% 13.2% 11.4% 0.1% 1.0% 2.8% 0.0% 3.44% 0.52% 3.93% 62.2%

Longview Financial Corporation Longview 1.01% 10.63% 18,621 1.58% 1,908,406 1,500,708 1,700,533 88.3% 182,357 21.4% 13.8% 9.6% 0.9% 8.3% 1.6% 0.1% 3.32% 0.37% 3.67% 60.0%

Preferred Bank Houston 1.01% 5.80% 1,857 1.52% 208,774 124,582 174,914 71.2% 32,919 35.8% 10.2% 15.8% 1.2% 7.0% 1.3% 0.0% 4.21% 0.36% 4.55% 67.2%

First National Bank of Floydada (S) Floydada 1.01% 8.93% 1,049 1.50% 101,825 50,062 89,709 55.8% 12,077 19.2% 4.4% 11.9% 0.0% 0.0% 1.6% 0.0% 3.12% 0.17% 3.29% 47.9%

Gruver State Bank (S) Gruver 1.00% 9.50% 643 1.41% 65,420 33,428 50,607 66.1% 7,080 4.0% -4.3% 10.8% 0.0% 0.0% 1.0% 0.0% 3.44% 0.47% 3.87% 58.0%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Texas Heritage Bank (S) Boerne 1.00% 10.43% 1,134 1.52% 118,074 84,056 100,494 83.6% 10,959 1.9% 8.4% 9.3% 0.6% 5.9% 1.3% 0.0% 4.34% 0.31% 4.63% 68.8%

Pecos County State Bank (S) Fort Stockton 1.00% 13.55% 1,989 1.42% 200,619 79,624 182,470 43.6% 14,800 8.8% 4.8% 7.4% 0.2% 4.6% 1.5% 0.0% 3.64% 0.23% 3.87% 64.0%

B&T of Bryan/College Station Bryan 1.00% 10.00% 3,715 1.64% 400,542 284,739 355,773 80.0% 37,776 20.0% 24.4% 9.5% 0.1% 1.1% 1.4% 0.1% 4.22% 0.28% 4.51% 58.4%

First National Bank in Cooper Cooper 1.00% 8.12% 468 1.21% 47,943 18,966 41,664 45.5% 5,959 7.8% 6.8% 12.4% 0.2% 5.7% 0.9% 0.0% 3.09% 0.56% 3.64% 62.0%

National United Bancshares Gatesville 1.00% 9.55% 5,354 1.45% 559,793 326,431 501,049 65.2% 57,463 9.7% 2.9% 10.3% 0.8% 7.5% 1.9% 0.3% 3.95% 0.34% 4.27% 66.8%

Mason Bank (S) Mason 1.00% 5.99% 892 1.51% 92,487 36,735 69,421 52.9% 15,998 4.5% 3.3% 17.3% 0.0% 0.0% 2.2% 0.1% 3.82% 0.43% 4.17% 62.9%

Woodhaven National Bank (S) Fort Worth 1.00% 10.63% 4,201 1.54% 437,028 327,129 387,173 84.5% 41,523 12.3% 8.3% 9.5% 1.1% 11.3% 1.2% 0.0% 4.42% 0.28% 4.69% 63.4%

Junction National Bank (S) Junction 1.00% 8.86% 530 1.32% 52,696 15,280 46,324 33.0% 6,285 -6.2% -4.4% 11.9% 0.2% 1.6% 1.7% 0.1% 3.28% 0.08% 3.35% 64.4%

0.50% - 1.00% ROAA Banks

Centrabanc Corporation (S) Waco 0.99% 13.45% 6,815 1.65% 705,255 522,806 605,008 86.4% 53,454 13.5% 1.3% 7.6% 0.0% 0.5% 1.3% 0.1% 3.37% 0.48% 3.90% 52.7%

Austin County State Bank (S) Bellvil le 0.99% 10.93% 990 1.64% 105,478 78,985 95,040 83.1% 9,967 20.9% 14.0% 9.5% 0.2% 2.1% 1.8% 0.0% 4.34% 0.65% 4.95% 60.5%

AimBank (S) Littlefield 0.99% 12.22% 4,527 1.80% 501,429 402,390 454,762 88.5% 40,971 34.1% 22.3% 8.2% 0.3% 3.5% 1.5% 0.0% 3.87% 0.53% 4.38% 61.4%

First National Bank of Eldorado (S) Eldorado 0.98% 8.57% 669 1.12% 67,247 21,581 58,679 36.8% 8,275 3.8% -0.9% 12.3% 0.0% 0.2% 2.9% -0.2% 3.70% 0.18% 3.89% 64.6%

First National Bank of Evant (S) Evant 0.98% 11.85% 679 1.55% 70,795 45,367 64,884 69.9% 5,788 6.8% 6.0% 8.2% 1.1% 12.8% 1.4% 0.0% 4.16% 0.26% 4.42% 65.6%

Liberty National Bank in Paris Paris 0.98% 5.61% 2,514 1.32% 252,940 90,933 207,280 43.9% 45,029 8.0% -0.4% 17.8% 0.2% 1.2% 3.1% 0.2% 2.96% 0.27% 3.20% 56.1%

Texas State Bank (S) San Angelo 0.98% 9.10% 2,317 1.32% 248,798 121,500 219,523 55.4% 26,277 16.3% 8.6% 10.6% 0.0% 0.2% 0.8% 0.0% 3.41% 0.08% 3.49% 63.4%

First National Bank (S) Rotan 0.98% 11.25% 747 1.37% 73,680 31,232 61,457 50.8% 7,632 -3.9% -12.4% 10.4% 0.1% 0.5% 2.2% 0.1% 3.56% 0.32% 3.85% 61.1%

Midland Bancshares, Inc. Midland 0.97% 14.31% 10,460 1.62% 1,103,378 642,810 1,005,819 63.9% 62,990 20.2% 15.0% 5.8% 0.6% 9.0% 1.3% 0.1% 3.52% 0.13% 3.65% 55.9%

United Texas Bank Dallas 0.97% 8.85% 2,228 1.19% 241,884 131,804 174,956 75.3% 26,714 30.5% 29.8% 11.0% 0.3% 6.3% 1.2% 0.0% 3.79% 0.43% 4.18% 64.3%

Perryton National Bank (S) Perryton 0.97% 9.60% 1,589 1.28% 169,211 45,167 151,232 29.9% 17,846 8.9% 8.3% 10.6% 0.0% 0.0% 1.2% 0.0% 2.58% 0.15% 2.74% 50.6%

Titan Bank, N.A. (S) Mineral Wells 0.96% 9.25% 661 1.67% 77,586 38,637 68,595 56.3% 6,847 26.3% 21.8% 9.0% 0.4% 4.3% 1.4% 0.1% 4.14% 0.62% 4.80% 75.5%

Marion State Bank (S) Marion 0.96% 7.65% 749 1.47% 80,862 27,817 69,913 39.8% 10,870 20.5% 7.5% 13.4% 0.5% 4.5% 1.4% 1.6% 3.24% 0.32% 3.53% 52.8%

Lamar National Bank (S) Paris 0.96% 8.26% 1,193 1.45% 128,072 71,436 110,460 64.7% 15,225 5.0% -7.7% 11.9% 0.2% 1.8% 1.1% 0.0% 4.06% 0.31% 4.37% 64.5%

First State Bank of Burnet (S) Burnet 0.95% 8.13% 2,148 1.36% 230,181 71,270 201,975 35.3% 27,812 -1.9% 1.1% 12.1% 1.8% 14.5% 1.3% 0.1% 3.16% 0.32% 3.46% 58.3%

Gladewater National Bank Gladewater 0.95% 7.73% 508 1.39% 56,715 39,663 47,121 84.2% 6,938 26.4% 20.2% 12.2% 1.9% 14.8% 0.8% 0.0% 4.24% 0.61% 4.82% 89.3%

Llano National Bank Llano 0.95% 8.69% 1,346 1.70% 141,915 86,871 124,671 69.7% 16,151 4.8% 4.2% 11.4% 1.4% 15.8% 2.9% 0.5% 4.26% 0.25% 4.48% 58.5%

First Bank Lubbock Bancshares (S) Lubbock 0.95% 14.27% 5,901 1.67% 659,429 506,399 544,408 93.0% 43,935 5.6% 10.6% 6.7% 1.9% 25.2% 1.3% 0.2% 4.00% 0.97% 5.01% 73.6%

City NB of Sulphur Springs (S) Sulphur Springs 0.95% 9.84% 4,128 1.69% 445,656 323,004 398,534 81.1% 41,253 3.1% 0.4% 9.3% 0.4% 5.0% 1.6% 0.1% 4.44% 0.48% 4.91% 66.3%

Incommons Bank, N.A. Mexia 0.94% 9.29% 968 1.24% 103,165 70,016 88,899 78.8% 10,635 2.3% 5.5% 10.3% 0.4% 3.3% 1.4% 0.0% 4.90% 0.41% 5.28% 74.7%

Texas Independent Bancshares (S) Texas City 0.94% 8.68% 7,996 1.50% 916,412 416,179 805,077 51.7% 87,974 13.9% 10.0% 9.7% 1.5% 14.0% 1.8% 0.0% 3.83% 0.25% 4.07% 66.4%

Commercial Bank Mason 0.93% 9.42% 318 1.21% 36,610 19,425 32,638 59.5% 3,557 16.3% 10.5% 9.7% 0.0% 0.0% 0.8% 0.0% 3.89% 0.08% 3.96% 64.5%

First National Bank of Stanton Stanton 0.93% 10.62% 1,196 1.43% 133,107 47,635 120,545 39.5% 11,710 7.6% 17.3% 8.8% 0.4% 4.4% 1.7% 0.4% 3.47% 0.06% 3.53% 53.2%

ViewPoint Financial Group Plano 0.93% 5.86% 31,956 1.47% 3,953,486 3,117,230 2,476,354 125.9% 526,982 13.8% 11.5% 13.4% 0.6% 4.3% 0.7% 0.0% 3.90% 0.61% 4.44% 63.7%

Buckholts State Bank (S) Buckholts 0.93% 6.35% 605 1.34% 71,671 23,163 61,891 37.4% 9,729 -5.3% 14.1% 13.6% 0.0% 0.6% 1.1% 0.0% 3.52% 0.50% 3.96% 65.4%

Anahuac National Bank (S) Anahuac 0.93% 10.61% 856 1.44% 95,730 54,651 86,497 63.2% 8,915 9.0% 5.8% 9.3% 0.5% 5.1% 2.3% 0.0% 4.50% 0.42% 4.91% 70.7%

RiverBend Bank (S) Fort Worth 0.92% 7.54% 395 1.42% 43,624 27,683 37,531 73.8% 5,526 11.5% 1.1% 12.7% 0.1% 0.4% 1.5% 0.0% 4.29% 0.19% 4.49% 76.6%

Texas National Bank (S) Sweetwater 0.92% 8.36% 999 0.92% 124,339 30,207 111,567 27.1% 11,598 35.1% 20.4% 9.4% 0.1% 1.1% 2.0% -0.3% 2.94% 0.23% 3.16% 65.9%

Bank of Commerce (S) McLean 0.92% 6.84% 285 1.17% 34,078 17,038 29,536 57.7% 4,392 17.3% 16.4% 12.9% 0.2% 1.6% 1.7% 0.2% 2.98% 0.28% 3.22% 63.5%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Citizens Bank (S) Amarillo 0.92% 10.02% 1,214 1.42% 134,532 90,936 118,147 77.0% 12,609 13.2% 6.9% 9.4% 0.0% 0.1% 0.1% 0.0% 3.99% 0.47% 4.45% 64.6%

First State Bank (S) Graham 0.92% 10.38% 1,300 1.48% 144,491 79,284 121,727 65.1% 12,639 1.4% 2.0% 8.8% 0.0% 3.4% 1.0% 0.1% 3.71% 0.53% 4.26% 62.7%

First NB of Giddings Giddings 0.92% 9.88% 1,592 1.21% 178,547 76,997 160,400 48.0% 17,680 -2.5% 9.1% 9.9% 0.2% 2.6% 2.1% 0.1% 3.26% 0.48% 3.70% 60.6%

Henderson Federal SB Henderson 0.92% 5.58% 1,051 1.56% 113,357 74,999 93,538 80.2% 19,334 -1.5% 1.0% 17.1% 2.7% 15.3% 1.3% 0.1% 3.78% 1.12% 4.74% 57.9%

Schertz Bank & Trust Schertz 0.92% 8.38% 1,916 1.39% 233,622 155,103 198,771 78.0% 24,071 42.7% 11.0% 10.3% 0.5% 4.9% 0.7% 0.0% 4.05% 0.19% 4.23% 67.7%

First National Bank of Emory (S) Emory 0.92% 7.48% 980 1.00% 112,555 34,838 91,387 38.1% 13,994 3.6% 8.8% 12.4% 0.6% 5.5% 2.8% 0.0% 2.81% 0.48% 3.25% 63.2%

First National Bank in Dalhart (S) Dalhart 0.91% 9.53% 601 1.19% 62,960 39,140 56,144 69.7% 6,542 1.5% -3.7% 10.4% 0.0% 0.2% 1.5% 0.0% 3.93% 0.14% 4.08% 64.1%

Capital Bank Houston 0.91% 10.13% 2,690 1.48% 306,226 242,260 271,158 89.3% 27,724 9.4% 6.3% 9.1% 0.3% 3.3% 1.0% 0.0% 4.62% 0.37% 4.96% 69.9%

Lytle State Bank of Lytle, Texas Lytle 0.91% 5.96% 750 1.24% 82,393 26,318 67,722 38.9% 13,032 -1.2% 3.1% 15.8% 0.4% 2.3% 1.6% 0.6% 3.72% 0.21% 3.91% 69.1%

Fannin Bank (S) Bonham 0.91% 12.68% 707 1.39% 80,501 44,442 73,480 60.5% 6,423 5.0% 10.9% 8.0% 0.2% 3.1% 1.3% 0.0% 4.73% 0.37% 5.10% 71.1%

Graham Savings and Loan, SSB (S) Graham 0.90% 8.28% 1,139 1.39% 126,224 89,348 108,598 82.3% 13,920 -3.4% 2.8% 11.0% 0.0% 0.3% 1.3% 0.0% 3.65% 0.88% 4.48% 61.4%

Big Bend Banks, N.A. (S) Marfa 0.90% 6.65% 957 0.86% 109,503 22,695 93,794 24.2% 15,512 3.1% 6.2% 14.2% 0.2% 1.1% 3.2% 0.0% 2.94% 0.09% 3.02% 67.0%

First State Bank (S) Stratford 0.90% 9.30% 1,963 1.28% 224,895 104,767 184,036 56.9% 20,817 1.7% -1.2% 9.3% 0.0% 0.0% 0.8% 0.0% 3.10% 0.22% 3.31% 60.9%

First State Bank of Brownsboro (S) Brownsboro 0.90% 11.43% 873 1.28% 96,883 50,441 88,249 57.2% 8,526 -3.1% -1.5% 8.8% 1.5% 18.6% 1.5% 0.4% 3.93% 0.30% 4.22% 68.0%

First State Bank (S) Abernathy 0.89% 8.80% 253 1.53% 27,256 19,388 21,438 90.4% 2,929 6.6% -9.4% 10.8% 0.7% 5.8% 1.2% 0.4% 4.78% 0.35% 5.09% 72.5%

Peoples Bank (S) Paris 0.89% 11.20% 1,063 1.49% 119,876 66,678 89,248 74.7% 10,213 -6.7% 6.8% 8.5% 0.6% 7.2% 1.7% 0.1% 3.80% 0.72% 4.49% 73.7%

Falcon Bancshares Inc. Laredo 0.89% 9.35% 7,183 1.36% 813,278 508,955 704,558 72.2% 81,470 3.4% -4.3% 10.0% 4.8% 42.3% 2.3% -0.1% 3.90% 0.52% 4.43% 69.0%

Gilmer National Bank Gilmer 0.89% 7.34% 1,911 1.50% 222,142 128,295 195,034 65.8% 26,682 -1.0% 6.7% 12.0% 1.1% 12.3% 1.7% 0.6% 3.75% 0.99% 4.67% 58.3%

Texas Star Bank Van Alstyne 0.89% 9.81% 2,812 1.35% 320,750 205,136 285,293 71.9% 29,821 -1.7% 4.9% 9.3% 0.5% 7.9% 1.4% 0.3% 3.75% 0.59% 4.33% 69.7%

Bank of Texas (S) Midland 0.89% 7.58% 2,043 1.55% 260,988 174,396 228,210 76.4% 28,094 15.8% 28.0% 10.8% 0.0% 0.0% 1.4% 0.0% 2.82% 0.95% 3.71% 42.9%

Jefferson Bancshares, Inc. (S) San Antonio 0.89% 11.37% 10,593 1.34% 1,255,104 696,314 1,143,349 60.9% 96,906 8.3% 15.8% 7.8% 0.6% 6.8% 1.1% 0.1% 3.47% 0.14% 3.63% 68.3%

First Security State Bank (S) Cranfil ls Gap 0.89% 12.01% 969 1.23% 108,681 34,836 99,256 35.1% 7,830 7.1% -1.4% 7.3% 0.2% 3.1% 1.6% 0.2% 3.17% 0.25% 3.42% 67.0%

Commercial NB of Texarkana (S) Texarkana 0.88% 10.92% 1,680 1.33% 186,086 104,255 168,960 61.7% 15,914 2.3% -2.1% 8.6% 0.3% 4.2% 1.0% 0.0% 3.71% 0.23% 3.93% 70.0%

Jacksboro National Bank (S) Jacksboro 0.88% 9.63% 1,967 1.04% 233,851 98,006 211,322 46.4% 21,643 11.7% 10.8% 9.3% 0.5% 5.2% 1.7% 0.0% 3.52% 0.33% 3.84% 69.8%

Icon Bank of Texas, NA Houston 0.88% 9.08% 4,790 1.55% 597,462 474,000 505,030 93.9% 55,082 27.4% 19.0% 9.2% 1.0% 10.0% 1.1% 0.1% 5.58% 0.60% 6.19% 71.0%

American Bank Holding Corp. (S) Corpus Christi 0.88% 10.81% 10,667 1.43% 1,263,605 760,168 1,153,614 65.9% 97,820 8.1% 6.9% 7.8% 0.2% 1.8% 1.8% 0.1% 4.25% 0.10% 4.37% 68.1%

Commercial Bank of Texas, N.A. Nacogdoches 0.87% 9.15% 4,504 1.29% 543,084 276,811 468,363 59.1% 47,192 24.7% 8.2% 8.8% 0.5% 6.2% 1.2% 0.1% 3.24% 0.38% 3.61% 70.2%

Farmers State Bank (S) Groesbeck 0.87% 9.19% 1,075 1.23% 126,718 57,484 114,278 50.3% 11,614 3.9% 4.2% 9.2% 0.3% 2.8% 1.3% 0.1% 4.37% 0.23% 4.63% 72.0%

Broadway Bancshares, Inc. (S) San Antonio 0.86% 7.68% 25,111 1.00% 2,970,057 1,268,322 2,526,308 50.2% 325,530 11.2% 3.7% 11.0% 0.8% 7.1% 1.3% 0.1% 2.88% 0.13% 3.03% 65.3%

Comerica Incorporated Dallas 0.86% 7.78% 553,899 1.25% 65,386,081 47,886,787 54,108,225 88.5% 6,718,252 5.3% 5.5% 10.4% 0.6% 5.7% 1.2% 0.1% 2.79% 0.18% 2.96% 67.8%

First National Bank of McGregor McGregor 0.86% 9.80% 1,158 1.63% 138,002 126,649 125,323 101.1% 12,383 6.5% 6.1% 9.0% 0.5% 4.9% 1.8% 0.1% 4.94% 0.71% 5.61% 70.6%

Granger National Bank Granger 0.86% 5.98% 273 0.86% 32,713 6,741 27,710 24.3% 4,847 0.7% 1.2% 14.8% 0.1% 0.4% 3.2% 0.0% 3.03% 0.46% 3.47% 68.1%

Green Bancorp, Inc. Houston 0.86% 7.38% 14,787 1.45% 1,807,978 1,433,702 1,534,736 93.4% 191,741 13.7% 3.4% 10.7% 1.0% 9.0% 1.1% 0.1% 3.94% 0.68% 4.59% 63.3%

Texas Advantage Comm. Bank, NA Alvin 0.86% 10.09% 858 0.54% 104,036 72,654 95,075 76.4% 8,894 7.2% 12.4% 8.6% 0.1% 0.8% 1.0% 0.0% 3.36% 0.85% 4.23% 83.9%

First State Bank of San Diego (S) San Diego 0.85% 11.80% 649 1.27% 77,934 28,588 72,199 39.6% 5,645 4.5% 2.0% 7.2% 0.0% 3.3% 1.5% 0.1% 2.98% 0.19% 3.16% 64.3%

Adam Bank Group, Inc. College Station 0.85% 4.85% 8,237 1.29% 986,769 802,788 684,447 117.3% 156,532 2.1% -6.3% 16.0% 5.4% 38.6% 1.2% 0.0% 5.19% 0.33% 5.49% 73.4%

Pavill ion Bank Richardson 0.85% 6.90% 694 1.02% 83,258 49,431 71,977 68.7% 10,123 10.9% 4.1% 12.2% 1.9% 21.6% 1.2% 0.4% 3.60% 0.40% 3.99% 72.4%

Peoples Bank Lubbock 0.85% 8.70% 2,811 1.28% 348,154 258,536 304,881 84.8% 32,605 14.9% 3.1% 9.4% 0.4% 3.9% 0.8% 0.0% 4.13% 0.32% 4.44% 71.8%

Platinum Bank Lubbock 0.85% 6.67% 1,608 1.24% 213,246 157,378 173,480 90.7% 19,303 52.0% 43.9% 9.3% 1.8% 17.8% 1.3% 0.1% 5.75% 0.80% 6.70% 70.2%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Post Oak Bancshares, Inc. Houston 0.85% 6.96% 6,465 1.50% 813,588 666,925 716,294 93.1% 96,026 17.4% 13.1% 11.8% 0.3% 2.6% 1.3% 0.1% 4.15% 0.45% 4.56% 63.4%

Tradition Bank Houston 0.85% 9.20% 4,288 0.89% 524,398 232,124 467,686 49.6% 48,253 3.1% 7.7% 9.2% 0.3% 3.8% 1.8% 0.0% 3.37% 0.63% 3.97% 67.1%

First National Bank of Dublin (S) Dublin 0.85% 8.15% 614 1.34% 75,838 53,814 68,011 79.1% 7,722 6.3% 8.1% 10.2% 0.5% 4.2% 1.1% 0.0% 4.71% 0.15% 4.86% 73.7%

Community Bank & Trust Waco 0.84% 6.97% 3,324 1.67% 402,142 276,732 346,439 79.9% 49,987 0.7% -1.2% 12.4% 0.5% 6.4% 1.7% 0.5% 3.76% 0.67% 4.36% 62.8%

First National Bank of Anderson Anderson 0.84% 9.53% 1,302 1.35% 166,146 86,850 151,289 57.4% 14,506 -2.2% 10.9% 8.7% 0.6% 6.1% 1.7% 0.2% 3.77% 0.49% 4.26% 66.6%

Happy Bancshares, Inc. Canyon 0.84% 8.61% 19,796 1.37% 2,445,777 1,743,739 2,090,382 83.4% 174,244 18.4% 15.2% 7.3% 0.6% 6.8% 1.3% 0.2% 3.70% 0.28% 4.00% 68.8%

First National Bank of Moody (S) Moody 0.83% 4.36% 379 1.32% 44,977 23,560 34,805 67.7% 8,862 -0.2% -11.6% 19.7% 0.6% 3.7% 2.6% 0.4% 3.77% 0.35% 4.07% 64.5%

East Texas Bancshares, Inc. Livingston 0.83% 5.88% 4,422 1.03% 566,202 173,779 481,703 36.1% 77,962 -3.4% 6.2% 13.8% 0.6% 4.2% 1.2% 0.2% 3.07% 0.36% 3.43% 67.0%

Ozona National Bank (S) Ozona 0.83% 8.30% 1,808 1.17% 227,818 129,253 204,332 63.3% 22,642 13.3% 6.5% 9.9% 0.2% 1.5% 1.2% 0.0% 4.12% 0.10% 4.22% 74.1%

First National Bank of Hereford (S) Hereford 0.82% 8.77% 1,122 1.38% 137,544 97,374 123,573 78.8% 13,488 6.8% 7.8% 9.8% 1.3% 19.7% 1.2% 0.2% 3.99% 0.33% 4.33% 64.8%

West Texas State Bank (S) Odessa 0.82% 8.60% 3,304 0.98% 409,900 177,302 367,656 48.2% 41,057 1.8% 8.1% 10.0% 1.4% 18.2% 3.2% -0.5% 2.78% 0.08% 2.85% 67.7%

Southwest Bank (S) Odessa 0.82% 10.67% 2,381 1.48% 298,105 202,989 272,364 74.5% 24,599 30.7% 12.1% 8.3% 0.3% 4.9% 0.9% 0.6% 3.93% 0.03% 3.96% 71.9%

ANB Corporation Terrell 0.82% 9.44% 19,316 1.10% 2,400,974 1,501,675 2,131,081 70.5% 139,451 17.0% 9.1% 5.9% 0.3% 4.1% 1.7% -0.1% 3.37% 0.20% 3.61% 71.4%

Bank of River Oaks Houston 0.82% 7.97% 3,052 1.16% 422,536 266,411 367,050 72.6% 40,160 11.4% 29.5% 9.5% 0.2% 1.5% 0.8% 0.0% 3.85% 0.36% 4.19% 69.6%

CBFH, Inc. Beaumont 0.82% 6.24% 19,767 1.53% 2,504,705 1,822,020 2,157,565 84.5% 255,585 52.8% 41.5% 10.5% 0.8% 7.3% 1.4% 0.2% 4.00% 0.32% 4.30% 62.3%

First NB of Winnsboro Winnsboro 0.82% 4.87% 1,119 1.10% 139,307 79,655 111,264 71.6% 23,498 3.6% 5.9% 16.9% 5.4% 30.2% 1.7% 0.1% 4.15% 0.38% 4.51% 71.3%

Pioneer Bank, SSB Dripping Springs 0.82% 7.93% 2,170 1.56% 344,135 242,349 305,445 79.3% 36,578 50.2% 44.2% 10.7% 0.1% 1.0% 0.8% 0.0% 4.26% 0.81% 5.09% 64.8%

Spring Hill State Bank Longview 0.82% 9.54% 1,468 1.50% 182,725 150,280 149,594 100.5% 16,046 4.8% 4.6% 8.8% 0.5% 12.2% 1.9% 0.1% 4.12% 0.69% 4.80% 66.2%

Mills County State Bank (S) Goldthwaite 0.82% 8.33% 2,308 1.05% 281,403 125,501 252,253 49.8% 26,096 11.5% 23.6% 9.4% 0.2% 4.1% 1.1% 0.0% 3.33% 0.32% 3.64% 66.2%

First National Bank of Alvin (S) Alvin 0.81% 5.47% 941 1.03% 116,378 20,018 97,566 20.5% 17,624 8.6% 1.3% 15.1% 0.0% 0.0% 1.4% 0.1% 2.72% 0.13% 2.84% 63.7%

Citizens State Bank of Luling Luling 0.81% 7.19% 516 1.21% 66,098 45,919 58,685 78.3% 7,359 13.4% 5.5% 11.1% 0.5% 5.0% 1.3% -0.1% 4.60% 0.16% 4.76% 74.8%

First National Bank of Beeville Beeville 0.81% 10.30% 2,426 1.33% 294,616 166,846 269,423 61.9% 24,671 33.7% -4.4% 8.4% 0.3% 3.4% 1.3% 0.0% 3.06% 0.15% 3.20% 59.8%

ValueBank Texas Corpus Christi 0.81% 8.36% 1,599 1.15% 204,809 116,210 183,560 63.3% 19,667 9.0% 7.2% 9.6% 0.4% 3.5% 1.3% 0.1% 4.24% 0.04% 4.29% 78.7%

Alliance Bancshares, Inc. (S) Sulphur Springs 0.81% 11.53% 4,812 1.12% 625,207 287,684 557,192 51.6% 42,341 1.9% 7.3% 6.8% 0.6% 8.2% 2.0% 0.2% 3.08% 0.45% 3.52% 72.1%

First National Bank of Trinity (S) Trinity 0.80% 12.55% 428 1.30% 52,919 17,425 48,827 35.7% 3,988 25.0% -2.9% 7.5% 0.8% 9.7% 1.4% 0.4% 3.43% 0.19% 3.61% 71.3%

Commerce Bank Texas Stockdale 0.80% 5.54% 368 1.01% 46,746 31,492 37,363 84.3% 4,300 27.7% 0.6% 9.7% 0.0% 0.1% 0.9% 0.0% 4.60% 0.21% 4.80% 74.5%

Security Holding Company Fredericksburg 0.80% 5.94% 5,870 1.23% 754,313 393,079 618,323 63.6% 101,051 3.1% 6.1% 13.4% 3.4% 24.8% 0.9% 0.1% 3.82% 0.16% 3.97% 72.3%

Bandera Bank (S) Bandera 0.80% 6.62% 395 1.22% 50,797 29,754 44,684 66.6% 6,073 10.6% 3.1% 12.0% 1.8% 13.7% 1.4% 0.1% 3.98% 0.21% 4.18% 72.9%

Bank of the West (S) Grapevine 0.79% 9.08% 2,987 1.25% 401,815 244,860 365,586 67.0% 33,668 11.3% 16.8% 8.4% 1.4% 15.7% 1.3% 0.1% 4.05% 0.26% 4.30% 73.3%

First NB of Lake Jackson (S) Lake Jackson 0.79% 8.17% 1,919 1.17% 272,407 17,442 246,308 7.1% 25,744 3.3% 26.3% 9.5% 0.0% 0.3% 1.5% 0.0% 2.36% 0.41% 2.75% 49.4%

Castroville State Bank Castroville 0.79% 8.78% 999 1.03% 127,869 53,687 115,675 46.4% 11,934 11.1% 2.1% 9.3% 0.0% 0.0% 1.1% -0.1% 2.93% 0.50% 3.41% 64.2%

First Liberty National Bank (S) Liberty 0.79% 7.72% 2,489 1.16% 313,409 132,482 273,776 48.4% 33,868 14.0% -2.4% 10.8% 0.0% 0.6% 0.8% 0.2% 2.76% 0.44% 3.17% 64.8%

Bank and Trust, SSB (S) Del Rio 0.79% 7.90% 3,273 1.39% 420,818 238,037 355,531 67.0% 38,962 3.6% 3.1% 9.3% 0.1% 0.9% 0.6% 0.0% 3.61% 0.61% 4.21% 64.4%

Red River Bancorp, Inc. (S) Gainesville 0.78% 11.19% 5,487 1.01% 737,373 275,953 654,484 42.2% 54,563 3.9% 10.2% 7.4% 0.2% 2.0% 1.6% 0.1% 3.23% 0.27% 3.53% 69.1%

National Bank & Trust (S) La Grange 0.78% 10.06% 1,696 1.00% 221,883 50,048 202,204 24.8% 19,315 14.6% 0.3% 8.7% 0.1% 0.9% 1.3% 0.0% 2.25% 0.71% 2.91% 56.0%

Liberty Capital Bank (S) Addison 0.78% 7.78% 998 1.30% 132,073 103,891 118,512 87.7% 13,365 20.3% 26.3% 10.1% 0.0% 0.0% 1.3% 0.0% 3.74% 0.12% 3.85% 65.1%

Allegiance Bancshares, Inc. Houston 0.78% 8.36% 8,163 1.31% 1,206,361 933,318 1,077,256 86.6% 102,984 47.4% 43.0% 8.6% 0.3% 3.2% 0.8% 0.0% 4.20% 0.55% 4.73% 67.2%

Commerce National Fin. Services Lubbock 0.78% 9.50% 6,409 1.15% 863,737 477,223 741,349 64.4% 71,717 24.0% 8.4% 8.3% 0.1% 1.2% 1.8% 0.0% 3.54% 0.55% 4.15% 71.3%

First Bancshares of Texas, Inc. Midland 0.78% 7.99% 6,237 1.26% 848,081 517,839 750,194 69.0% 71,597 11.4% 21.8% 8.4% 0.1% 0.7% 1.3% 0.1% 3.68% 0.31% 4.06% 69.6%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


First State Bank Rice 0.78% 7.27% 1,035 1.13% 127,154 70,857 111,733 63.4% 13,301 9.1% -8.0% 10.6% 0.6% 5.3% 1.5% 0.6% 3.95% 0.53% 4.47% 69.8%

Henderson Citizens Bancshares Henderson 0.78% 8.18% 9,721 1.03% 1,279,987 694,188 1,130,584 61.4% 102,319 15.0% 9.0% 8.1% 0.6% 7.4% 1.0% 0.1% 3.42% 0.46% 3.78% 73.1%

Bank of San Antonio San Antonio 0.76% 7.23% 3,084 1.40% 430,311 332,171 367,157 90.5% 39,712 19.5% 13.7% 9.4% 0.2% 1.8% 1.0% 0.2% 3.76% 0.17% 3.92% 70.5%

Capital Bank of Texas Carrizo Springs 0.76% 6.24% 481 1.08% 63,630 31,447 55,433 56.7% 7,277 20.2% 11.6% 11.6% 0.0% 0.0% 0.7% 0.0% 2.92% 0.19% 3.09% 70.8%

First State Bank (S) Spearman 0.76% 9.77% 928 0.93% 124,690 56,269 112,996 49.8% 9,749 2.2% 3.5% 7.8% 0.0% 0.0% 1.1% -0.2% 2.97% 0.37% 3.32% 67.2%

Oglesby State Bank (S) Oglesby 0.76% 7.55% 109 1.31% 13,991 10,709 12,497 85.7% 1,444 -8.7% -0.4% 10.3% 0.6% 5.9% 1.5% 0.4% 5.18% 0.60% 5.74% 77.8%

First B&T of Childress (S) Childress 0.76% 12.42% 605 1.06% 81,768 51,728 73,246 70.6% 5,587 -0.5% 1.2% 6.8% 2.2% 41.5% 0.7% 0.1% 3.41% 1.05% 4.42% 67.8%

Elsa State Bank and Trust Co. (S) Elsa 0.75% 8.51% 1,354 1.23% 191,463 90,826 173,955 52.2% 16,753 3.0% 14.0% 8.8% 0.6% 7.1% 1.0% 0.3% 4.95% 0.48% 5.48% 74.6%

Wellington State Bank (S) Wellington 0.75% 9.25% 1,838 1.03% 247,223 113,414 223,140 50.8% 21,276 6.5% 8.6% 8.6% 0.1% 1.8% 1.3% 0.0% 3.43% 0.14% 3.57% 67.8%

Hamlin National Bank (S) Hamlin 0.75% 4.75% 724 1.09% 98,650 35,871 81,773 43.9% 16,000 -2.8% 4.0% 16.2% 2.9% 17.5% 2.1% 0.9% 3.56% 0.39% 3.91% 69.9%

First National Bank of Huntsville Huntsville 0.75% 6.52% 3,070 1.07% 420,151 191,039 370,127 51.6% 42,943 6.5% 4.7% 10.4% 0.0% 0.3% 1.7% 0.1% 2.74% 0.29% 3.01% 65.8%

Independent Bank Group, Inc. McKinney 0.75% 6.35% 18,155 1.32% 3,654,310 2,850,043 2,853,419 99.9% 249,199 87.5% 92.1% 7.3% 0.2% 2.8% 0.6% 0.1% 4.11% 0.57% 4.68% 68.4%

Independent Bankers Fin. Corp. Irving 0.75% 7.55% 16,699 1.05% 2,255,567 697,631 1,737,537 40.2% 187,163 15.3% 10.9% 8.3% 0.2% 1.5% 2.4% 0.3% 1.52% 0.64% 2.11% 79.1%

Star Bank of Texas Fort Worth 0.75% 8.23% 1,084 1.10% 144,015 75,758 129,569 58.5% 14,075 7.2% -1.1% 9.8% 0.0% 0.3% 1.1% 0.0% 4.26% 0.48% 4.75% 71.0%

Texas Brand Bank Garland 0.75% 8.41% 880 1.03% 130,445 94,354 118,186 79.8% 11,761 20.3% 26.0% 9.0% 0.2% 1.7% 1.3% 0.0% 4.37% 0.76% 5.06% 75.4%

Interstate Bank, SSB (S) Perryton 0.75% 9.69% 1,440 1.12% 194,315 78,655 177,996 44.2% 15,346 16.2% 6.1% 7.9% 1.6% 19.7% 1.1% 0.2% 3.04% 0.14% 3.17% 69.2%

Menard Bank (S) Menard 0.75% 5.71% 247 0.74% 32,753 13,192 28,291 46.6% 4,421 2.0% 0.6% 13.5% 0.0% 0.0% 1.6% 0.0% 3.34% 0.15% 3.48% 71.4%

First Community Bancshares (S) Killeen 0.75% 8.95% 10,885 1.59% 1,495,820 414,210 1,308,345 31.7% 130,576 22.6% 4.0% 8.7% 0.3% 3.6% 2.5% 2.1% 3.37% 0.09% 3.47% 92.1%

Texana Bank, NA (S) Linden 0.74% 8.10% 1,146 1.40% 158,244 137,626 122,910 112.0% 14,367 5.8% 1.8% 9.1% 0.5% 4.8% 1.0% 0.3% 5.04% 0.62% 5.65% 74.4%

Brenham National Bank (S) Brenham 0.73% 7.98% 1,992 0.88% 270,468 118,089 235,952 50.1% 26,025 25.8% -2.2% 9.6% 0.3% 3.3% 1.6% -0.1% 3.15% 0.36% 3.49% 70.6%

F&M Bancshares Houston 0.73% 8.52% 4,099 1.06% 537,788 408,672 456,045 89.6% 18,933 15.6% 5.1% 3.7% 1.3% 19.3% 1.3% 0.1% 4.27% 0.76% 5.05% 71.3%

First Baird Bancshares, Inc. Bedford 0.73% 10.42% 4,144 1.21% 583,559 472,061 518,994 91.0% 41,245 9.2% 1.4% 7.1% 1.6% 20.7% 1.0% 0.3% 4.76% 0.37% 5.13% 77.3%

Sage Capital Bank, N.A. Gonzales 0.73% 7.67% 2,387 1.06% 332,151 163,311 298,401 54.7% 29,412 -9.5% 7.4% 8.9% 0.1% 0.9% 1.5% 0.0% 3.48% 0.24% 3.72% 69.6%

Crowell State Bank (S) Crowell 0.73% 7.61% 245 1.17% 34,151 16,661 30,377 54.9% 3,315 6.4% -1.1% 9.7% 0.1% 1.8% 1.2% 0.2% 4.04% 0.32% 4.37% 74.1%

Mineola Community Bank, SSB Mineola 0.72% 4.26% 1,109 0.75% 174,078 108,356 122,477 88.5% 26,503 32.7% 6.1% 15.2% 0.1% 1.0% 0.7% 0.0% 4.04% 0.77% 4.74% 78.6%

First Command Fin. Services (S) Fort Worth 0.72% 9.75% 6,386 0.51% 944,174 263,861 621,874 42.4% 63,478 -4.6% 8.6% 6.8% 0.3% 4.4% 1.0% 0.4% 2.55% 0.21% 2.71% 98.1%

Sonora Bank (S) Sonora 0.72% 6.90% 2,431 1.07% 347,226 218,935 300,904 72.8% 34,573 14.0% 3.1% 10.0% 1.9% 17.4% 1.7% 0.0% 3.83% 0.35% 4.17% 76.1%

Lamesa National Bank (S) Lamesa 0.71% 7.01% 2,116 1.06% 290,163 88,314 259,698 34.0% 29,988 17.2% 16.2% 10.3% 0.4% 3.4% 1.6% -0.4% 2.09% 0.59% 2.64% 47.7%

Classic Bank, NA (S) Cameron 0.71% 8.23% 1,891 1.19% 272,127 171,904 244,398 70.3% 24,247 -1.6% 1.3% 8.9% 2.7% 27.9% 1.8% 0.7% 3.90% 0.64% 4.53% 70.5%

Texas Financial Bank Eden 0.71% 7.99% 656 0.96% 95,010 26,681 86,163 31.0% 8,520 29.4% 11.6% 9.0% 0.0% 0.0% 1.6% -0.1% 2.75% 0.04% 2.79% 71.3%

First National Bank of Ballinger (S) Ballinger 0.71% 8.10% 973 1.11% 141,814 76,689 128,266 59.8% 12,049 5.7% 5.6% 8.6% 0.0% 0.4% 1.8% 0.0% 3.79% 0.20% 3.99% 72.6%

Veritex Community Bank Dallas 0.70% 6.20% 4,496 1.31% 710,061 547,261 612,785 89.3% 59,697 28.7% 19.1% 8.7% 0.5% 5.8% 1.0% 0.0% 3.94% 0.42% 4.35% 65.6%

Fayette Savings Bank, SSB La Grange 0.70% 9.02% 647 0.88% 93,372 60,605 85,661 70.8% 7,380 24.3% 7.7% 7.9% 0.6% 7.6% 0.8% 0.0% 3.46% 0.52% 3.96% 71.8%

Hill Bank & Trust Co. Weimar 0.70% 4.13% 860 0.82% 122,756 11,263 101,226 11.1% 20,970 -1.0% 6.3% 17.1% 0.0% 0.0% 2.3% 0.0% 2.06% 0.41% 2.41% 50.7%

Jourdanton State Bank Jourdanton 0.70% 6.80% 1,078 0.94% 166,554 30,151 147,879 20.4% 16,133 -6.9% 15.5% 9.7% 0.3% 3.4% 1.0% 0.0% 2.84% 0.04% 2.88% 73.4%

NexBank Capital, Inc. (S) Dallas 0.70% 9.23% 9,077 1.36% 1,482,530 1,144,979 1,067,086 107.3% 107,668 44.1% 44.8% 7.3% 1.0% 12.6% 0.7% 0.0% 3.06% 0.61% 3.67% 67.3%

Citizens National Bank (S) Cameron 0.70% 7.40% 2,608 0.75% 387,566 136,624 349,781 39.1% 36,648 23.8% 10.3% 9.5% 0.1% 0.9% 2.1% 0.0% 2.44% 0.44% 2.87% 67.0%

Lovelady State Bank (S) Lovelady 0.69% 7.32% 299 1.19% 44,928 21,979 40,671 54.0% 4,214 -3.6% 8.3% 9.4% 0.6% 5.8% 1.8% 0.3% 3.98% 0.56% 4.57% 71.7%

Commerce Bancshares, Inc. (S) Lubbock 0.69% 8.99% 4,881 0.97% 710,880 472,546 597,173 79.1% 57,806 8.9% -0.6% 8.1% 0.8% 9.2% 1.0% 0.0% 4.14% 0.23% 4.42% 78.4%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


First NB of Granbury Granbury 0.69% 6.83% 3,228 1.09% 465,935 206,400 415,194 49.7% 48,930 17.6% -1.8% 10.5% 0.9% 8.5% 0.9% 0.1% 3.13% 0.19% 3.31% 65.5%

First State Bank of Mobeetie Mobeetie 0.69% 8.58% 649 0.77% 88,212 17,304 79,416 21.8% 8,430 0.2% -14.8% 9.6% 0.6% 6.0% 1.6% 0.0% 2.14% 0.51% 2.61% 57.9%

Peoples State Bank Shepherd 0.69% 9.34% 744 0.97% 111,263 48,033 102,467 46.9% 8,626 7.3% 5.3% 7.8% 0.2% 2.8% 1.0% 0.2% 3.40% 0.53% 3.93% 72.7%

Blanco National Bank (S) Blanco 0.69% 7.27% 1,078 1.01% 158,705 95,356 142,098 67.1% 15,936 13.2% 0.5% 10.0% 0.5% 6.7% 1.3% 0.1% 4.54% 0.24% 4.77% 76.3%

Southwestern National Bank (S) Houston 0.69% 6.29% 2,407 0.58% 355,281 117,439 297,798 39.4% 41,978 -8.1% 0.5% 11.8% 0.8% 6.1% 4.1% -0.1% 2.78% 0.61% 3.35% 78.1%

First Commercial Bank, NA (S) Seguin 0.68% 8.83% 966 1.02% 141,579 89,741 129,284 69.4% 11,462 15.8% 7.1% 8.1% 0.5% 5.0% 1.6% 0.0% 4.19% 0.22% 4.40% 76.4%

Commercial State Bank Humble 0.68% 6.34% 1,893 1.02% 289,007 188,993 256,838 73.6% 31,836 35.4% 44.4% 11.0% 0.0% 0.0% 1.1% 0.0% 4.34% 0.20% 4.54% 73.9%

First NB in Port Lavaca Port Lavaca 0.68% 6.42% 1,620 0.90% 250,797 97,082 223,186 43.5% 26,614 18.4% 11.6% 10.6% 0.4% 4.4% 1.3% 0.0% 2.57% 0.75% 3.27% 62.7%

Texas First State Bank Riesel 0.68% 9.00% 2,424 0.89% 355,090 121,180 319,595 37.9% 27,340 -3.2% 0.6% 7.7% 0.1% 0.9% 0.7% 0.0% 2.66% 0.51% 3.15% 64.3%

Vantage Bank Texas San Antonio 0.68% 6.73% 2,198 0.48% 356,454 261,751 320,943 81.6% 31,277 10.6% 22.3% 8.8% 1.0% 10.6% 1.4% 0.0% 4.12% 0.37% 4.46% 88.2%

Mainland Bank (S) Texas City 0.67% 7.13% 804 1.73% 124,338 84,744 107,601 78.8% 12,107 19.1% 8.4% 9.7% 0.1% 1.5% 1.2% 1.1% 4.75% 0.29% 5.04% 61.9%

Community National Bank Hondo 0.67% 6.67% 1,198 1.07% 184,393 93,392 163,882 57.0% 16,244 0.4% 5.8% 8.9% 0.8% 8.3% 1.6% 1.2% 3.85% 0.39% 4.23% 72.5%

Kress National Bank (S) Kress 0.67% 6.86% 274 1.00% 39,601 18,469 31,434 58.8% 4,084 4.8% -7.3% 10.3% 0.0% 0.0% 1.1% 0.2% 3.47% 0.21% 3.65% 71.4%

Shelby Savings Bank, SSB (S) Center 0.66% 5.90% 1,740 1.34% 259,869 184,696 208,623 88.5% 30,228 4.8% 1.1% 11.6% 0.5% 3.7% 1.5% 0.1% 3.76% 0.82% 4.55% 67.3%

First B&T of Memphis (S) Memphis 0.66% 6.19% 419 1.10% 63,860 42,925 56,668 75.8% 6,869 -1.4% 1.4% 10.8% 0.2% 8.8% 1.1% 0.0% 2.77% 0.88% 3.61% 61.5%

Amistad Bank Del Rio 0.66% 5.47% 181 1.03% 25,599 14,543 21,809 66.7% 3,407 7.0% -5.7% 13.3% 0.3% 4.7% 1.7% 0.0% 4.44% 0.55% 5.01% 82.5%

First Community Bank, NA San Benito 0.66% 7.83% 1,768 1.15% 298,138 180,401 271,784 66.4% 24,185 35.0% 28.7% 8.1% 0.3% 5.1% 1.5% 0.0% 4.42% 0.31% 4.73% 75.7%

Lone Star National Bancshares McAllen 0.66% 6.47% 14,490 0.95% 2,166,403 1,262,178 1,800,794 70.1% 233,554 0.8% 2.6% 10.8% 3.2% 26.8% 2.4% 0.3% 3.54% 0.78% 4.32% 76.6%

Pegasus Bank Dallas 0.66% 7.42% 1,886 1.01% 325,801 186,116 299,015 62.2% 26,397 26.5% 30.9% 8.1% 0.0% 0.0% 0.9% 0.0% 2.71% 0.14% 2.84% 62.0%

First NB of Sterling City (S) Sterling City 0.66% 8.80% 933 0.92% 162,168 32,285 150,749 21.4% 10,876 9.2% 28.5% 6.7% 0.0% 0.6% 1.0% 0.0% 2.96% 0.10% 3.07% 66.5%

Pilgrim Bank (S) Pittsburg 0.65% 5.81% 2,540 1.11% 386,129 226,417 305,532 74.1% 36,301 7.5% 4.0% 9.6% 0.9% 8.5% 1.1% 0.0% 3.10% 0.83% 3.88% 62.2%

Worthington National Bank Arlington 0.65% 6.13% 1,145 0.65% 172,191 131,665 151,232 87.1% 19,256 4.2% -0.1% 11.2% 0.7% 5.3% 2.1% -0.2% 4.38% 0.19% 4.56% 85.0%

First NB of Bosque County (S) Valley Mills 0.64% 6.65% 698 1.17% 108,572 58,832 97,113 60.6% 10,521 1.4% -1.8% 9.7% 0.6% 6.5% 1.6% 0.3% 3.36% 0.29% 3.64% 69.6%

Commercial State Bank (S) Palmer 0.64% 8.18% 439 1.60% 70,750 36,911 63,804 57.9% 5,910 8.8% 3.0% 8.4% 0.2% 3.6% 1.1% 0.1% 4.37% 0.28% 4.64% 66.8%

Liberty Bank Hurst 0.64% 4.98% 2,214 1.17% 369,485 283,364 314,233 90.2% 31,754 19.0% 13.0% 8.9% 0.8% 8.9% 1.4% 0.1% 4.35% 0.45% 4.78% 70.0%

Peoples SB of Hallettsvil le Hallettsvil le 0.64% 5.93% 1,543 0.65% 253,053 56,792 220,700 25.7% 27,641 14.2% 11.7% 10.9% 0.0% 0.3% 1.1% 0.0% 1.84% 0.70% 2.48% 54.4%

Rio Bank McAllen 0.64% 7.18% 1,486 1.25% 252,822 160,785 230,588 69.7% 21,586 8.9% 17.0% 8.5% 1.1% 12.1% 1.4% 0.7% 5.24% 0.58% 5.84% 77.1%

City National Bank of Taylor (S) Taylor 0.63% 7.09% 1,273 0.75% 206,336 85,447 185,409 46.1% 19,958 27.6% 8.6% 9.7% 0.2% 2.1% 1.2% 0.6% 3.04% 0.45% 3.47% 75.2%

Ennis State Bank (S) Ennis 0.63% 6.38% 876 1.14% 141,362 103,641 118,806 87.2% 14,225 3.9% 6.2% 10.1% 2.5% 22.7% 1.1% 0.2% 4.65% 0.40% 5.04% 77.8%

Citizens State Bank Woodville 0.63% 6.79% 795 0.87% 142,552 81,823 114,932 71.2% 12,012 -7.0% 11.5% 8.4% 0.6% 6.6% 1.2% 0.6% 4.53% 0.35% 4.87% 82.9%

First State Bank (S) Junction 0.62% 6.91% 276 0.79% 44,113 18,382 39,469 46.6% 4,281 2.2% 5.3% 9.7% 0.0% 0.0% 1.4% 0.1% 3.94% 0.12% 4.07% 76.9%

First NB of Fort Stockton (S) Fort Stockton 0.62% 5.50% 428 0.84% 74,487 27,820 66,311 42.0% 8,015 38.9% 23.2% 10.8% 0.0% 0.0% 1.5% 0.1% 3.51% 0.14% 3.64% 75.2%

Heritage Bank Pearland 0.62% 3.45% 650 1.09% 189,393 105,804 167,616 63.1% 17,312 40.5% 108.2% 9.3% 0.1% 0.6% 1.0% 0.0% 5.02% 0.55% 5.60% 75.9%

Independent Bank of Texas Irving 0.62% 7.24% 738 0.66% 128,004 89,708 112,038 80.1% 10,636 16.2% 18.7% 8.3% 0.2% 2.3% 1.1% -0.1% 3.63% 0.75% 4.36% 83.7%

Western Bank (S) Coahoma 0.61% 6.13% 1,061 1.06% 175,447 96,002 151,677 63.3% 17,024 1.2% 2.3% 9.8% 2.1% 21.3% 0.6% 0.1% 4.15% 0.37% 4.55% 74.7%

First National Bank of Quitaque Quitaque 0.61% 3.94% 291 0.78% 50,111 22,528 42,113 53.5% 7,452 6.3% 9.8% 14.9% 0.2% 1.3% 1.0% 0.1% 3.13% 0.21% 3.32% 73.8%

First State Bank of Odem Odem 0.61% 6.71% 749 0.92% 121,172 58,850 109,331 53.8% 11,620 19.5% -1.4% 9.6% 0.6% 6.0% 1.3% 0.3% 3.52% 0.22% 3.73% 73.9%

First-Lockhart National Bank (S) Lockhart 0.60% 6.89% 1,127 0.99% 190,348 143,324 168,197 85.2% 16,786 10.8% 8.9% 8.8% 0.5% 5.0% 1.7% 0.1% 4.10% 0.55% 4.64% 80.0%

American Bank, NA (S) Waco 0.60% 6.44% 2,339 0.87% 398,894 223,513 345,397 64.7% 37,380 -5.5% 9.3% 9.4% 1.1% 11.0% 1.7% 0.1% 3.08% 0.50% 3.54% 72.8%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


South Plains Financial, Inc. (S) Lubbock 0.60% 8.98% 13,398 0.85% 2,231,870 1,483,736 1,947,576 76.2% 156,349 5.8% 4.2% 7.0% 2.3% 27.7% 1.9% 0.2% 3.39% 0.73% 4.12% 79.2%

Panola National Bank (S) Carthage 0.60% 6.72% 764 0.84% 127,585 54,677 114,894 47.6% 12,107 -0.6% -2.0% 9.5% 0.1% 1.1% 1.0% 0.0% 3.54% 0.20% 3.75% 79.3%

Bank of South Texas Laredo 0.60% 4.19% 457 0.66% 81,636 56,872 63,004 90.3% 7,761 12.1% -0.1% 9.9% 2.4% 23.7% 1.1% -0.2% 5.60% 0.57% 6.15% 87.4%

Cypress Bank, SSB Pittsburg 0.60% 6.78% 1,048 1.03% 176,988 120,495 134,086 89.9% 15,696 0.6% 3.3% 8.9% 0.8% 8.7% 1.2% 0.2% 3.94% 1.24% 5.15% 74.5%

First Texas BHC, Inc. Fort Worth 0.60% 5.32% 7,799 1.13% 1,481,518 1,297,584 1,156,768 112.2% 83,903 30.9% 29.9% 5.8% 0.3% 3.2% 1.0% 0.0% 4.03% 0.63% 4.73% 72.8%

Kilgore National Bank Kilgore 0.60% 5.91% 528 0.95% 92,581 52,300 82,904 63.1% 9,177 -1.1% 7.4% 9.9% 0.6% 6.0% 2.0% 0.0% 4.08% 0.26% 4.33% 78.9%

Patriot Bancshares, Inc. Houston 0.60% 6.67% 7,500 0.83% 1,315,582 936,019 1,024,010 91.4% 59,076 7.5% 0.2% 4.5% 3.3% 36.9% 1.4% 0.1% 2.94% 1.04% 3.92% 80.5%

Brady National Bank (S) Brady 0.60% 7.96% 591 0.73% 99,578 41,788 91,060 45.9% 8,261 -4.9% 0.7% 8.3% 0.1% 0.6% 2.4% 0.1% 2.94% 0.26% 3.19% 76.2%

Security State Bank (S) Winters 0.59% 6.65% 274 1.02% 50,999 19,039 46,497 41.0% 4,252 3.5% 23.8% 8.3% 0.1% 2.0% 1.4% 0.2% 3.47% 0.15% 3.62% 75.7%

Angelina Savings Bank, SSB Lufkin 0.59% 6.21% 339 0.87% 58,953 32,850 53,081 61.9% 5,602 9.9% 4.2% 9.5% 0.7% 7.4% 0.5% 0.0% 3.74% 0.13% 3.86% 80.0%

TrustTexas Bank, SSB Cuero 0.59% 5.26% 1,544 0.74% 278,636 118,668 246,137 48.2% 30,587 14.2% 24.8% 11.0% 0.1% 1.3% 0.7% 0.0% 3.51% 0.46% 3.96% 69.6%

Kleberg Bank, N.A. (S) Kingsville 0.58% 5.18% 2,823 1.03% 499,797 248,515 379,368 65.5% 38,573 9.6% 4.5% 8.0% 0.6% 7.3% 1.1% 0.3% 3.72% 0.23% 3.95% 77.3%

Bridge City State Bank Bridge City 0.58% 7.06% 927 0.91% 164,472 60,199 149,824 40.2% 14,302 7.8% 10.1% 8.7% 1.5% 18.6% 1.4% 0.4% 3.21% 0.40% 3.60% 70.1%

Columbus State Bank Columbus 0.58% 4.20% 496 0.59% 86,294 9,314 74,136 12.6% 11,849 -1.8% 4.1% 13.7% 0.0% 0.0% 2.6% 0.1% 2.26% 0.27% 2.51% 65.8%

Southern Bancshares, Inc. Houston 0.58% 7.12% 3,705 1.13% 672,433 513,380 528,940 97.1% 51,336 -1.7% 13.7% 7.6% 5.6% 72.6% 0.5% 0.1% 4.57% 0.60% 5.14% 76.4%

First State Bank (S) Columbus 0.58% 4.22% 773 0.79% 140,023 20,548 115,806 17.7% 18,701 -0.6% 4.8% 13.4% 0.0% 0.1% 0.8% 0.1% 2.21% 0.55% 2.71% 65.1%

First State Bank (S) Clute 0.58% 6.35% 808 1.10% 146,590 72,086 132,550 54.4% 13,052 0.2% 11.4% 8.9% 3.1% 32.0% 1.8% 0.5% 3.57% 0.21% 3.78% 75.1%

Providence Bank of Texas Southlake 0.57% 4.23% 615 0.83% 107,650 70,177 92,652 75.7% 14,867 2.7% -2.9% 13.8% 4.6% 31.0% 1.5% 0.0% 3.35% 0.88% 4.19% 74.1%

United Bank of El Paso del Norte El Paso 0.57% 6.49% 1,090 1.03% 197,402 132,133 160,228 82.5% 17,661 26.2% 8.1% 9.0% 1.7% 17.6% 1.2% 0.6% 4.17% 0.55% 4.73% 74.3%

Vision Bank - Texas Richardson 0.57% 6.12% 992 0.99% 178,286 124,155 160,856 77.2% 17,215 28.2% 10.1% 9.7% 0.4% 4.0% 1.4% 0.0% 3.32% 0.77% 4.05% 68.9%

Americo Bancshares, Inc. Wolfforth 0.56% 7.43% 4,323 0.83% 691,871 404,150 600,592 67.3% 59,758 -0.6% 1.2% 8.6% 1.1% 11.6% 1.6% 0.1% 3.65% 0.42% 4.11% 73.9%

Union State Bank (S) Florence 0.56% 7.35% 2,610 0.69% 474,229 163,660 422,096 38.8% 38,335 0.3% 5.1% 8.1% 1.0% 10.8% 2.1% 0.0% 2.82% 0.47% 3.27% 75.8%

State National Bank of Texas (S) Iowa Park 0.55% 5.95% 1,240 0.69% 239,891 86,889 218,325 39.8% 21,219 -5.5% 12.5% 8.9% 0.4% 4.2% 1.4% 0.0% 3.11% 0.13% 3.24% 78.9%

BBVA Compass Bancshares, Inc. Houston 0.55% 3.47% 401,011 0.91% 75,747,100 54,297,672 58,118,514 93.4% 6,648,968 14.1% 11.2% 9.4% 0.8% 8.2% 1.3% 0.3% 3.15% 0.48% 3.60% 72.8%

Third Coast Bank, SSB Humble 0.55% 5.38% 1,557 1.15% 311,196 253,525 280,574 90.4% 29,826 22.3% 22.8% 9.6% 0.5% 5.5% 1.3% 0.3% 4.38% 0.83% 5.18% 75.5%

Vista Bank Ralls 0.55% 5.69% 1,408 0.89% 257,385 170,078 229,179 74.2% 23,024 20.3% 5.8% 9.0% 2.0% 20.4% 1.2% 0.2% 4.19% 0.56% 4.73% 80.4%

Guadalupe National Bank (S) Kerrvil le 0.55% 6.44% 640 0.98% 120,056 79,427 109,383 72.6% 10,510 6.3% 11.5% 8.8% 1.3% 13.4% 1.5% 0.0% 3.99% 0.34% 4.31% 87.8%

First Bank of Celeste (S) Celeste 0.54% 6.04% 223 0.83% 41,722 21,300 37,870 56.3% 3,729 -1.1% 2.6% 8.9% 0.5% 4.7% 1.5% 0.0% 3.73% 0.26% 3.99% 80.5%

Extraco Corporation (S) Waco 0.54% 4.99% 6,521 0.54% 1,272,526 784,709 966,060 81.2% 132,177 12.2% 3.1% 10.4% 0.2% 2.4% 2.7% 0.0% 3.60% 0.52% 4.16% 83.6%

TexStar National Bank (S) Universal City 0.53% 4.91% 1,056 1.00% 205,867 159,568 178,278 89.5% 21,086 11.9% 6.4% 10.3% 0.0% 0.0% 2.0% 0.0% 4.15% 0.42% 4.55% 75.3%

First State Bank (S) Three Rivers 0.53% 6.08% 845 0.84% 166,438 59,077 151,861 38.9% 14,263 14.7% 16.8% 8.6% 0.6% 6.7% 0.7% -0.1% 2.25% 0.13% 2.37% 67.5%

Citizens Bank Kilgore 0.53% 5.72% 2,004 0.88% 387,390 181,203 348,327 52.0% 36,436 8.8% 11.6% 9.4% 1.4% 13.6% 2.0% 0.1% 3.21% 0.16% 3.37% 75.1%

Ballinger National Bank (S) Ballinger 0.53% 5.27% 235 0.73% 46,725 18,270 41,907 43.6% 4,659 -1.8% 0.9% 10.0% 1.7% 15.8% 1.7% 0.0% 3.51% 0.21% 3.71% 82.5%

Burton State Bank (S) Burton 0.52% 4.29% 296 0.77% 57,956 16,111 50,965 31.6% 6,949 9.3% 7.1% 12.0% 0.0% 0.3% 0.8% 0.0% 2.09% 0.41% 2.47% 63.5%

First Federal Community Bank Paris 0.52% 4.69% 1,731 0.79% 332,741 242,914 291,737 83.3% 37,800 0.7% 0.0% 11.4% 0.8% 6.9% 1.3% 0.1% 4.00% 0.74% 4.73% 81.2%

Haskell National Bank Haskell 0.52% 4.94% 371 0.69% 72,894 33,749 64,858 52.0% 7,712 9.8% -1.6% 10.6% 0.0% 0.0% 1.0% 0.2% 3.47% 0.14% 3.61% 81.8%

Memorial City Bank Houston 0.52% 6.26% 1,429 1.11% 287,471 225,072 258,591 87.0% 24,415 33.5% 21.1% 8.5% 0.0% 0.0% 0.9% 0.0% 3.91% 0.41% 4.31% 70.0%

Moody Bancshares, Inc. Galveston 0.52% 4.93% 5,046 0.80% 979,720 458,533 831,653 55.1% 113,085 7.6% 3.2% 11.5% 0.9% 7.4% 1.5% 0.5% 3.53% 0.24% 3.76% 82.2%

1st Bank, NA (S) Texarkana 0.52% 4.99% 1,553 0.84% 310,547 253,078 272,236 93.0% 31,961 13.7% 8.1% 10.3% 0.4% 4.4% 1.6% 0.2% 4.23% 0.96% 5.15% 81.1%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Stockmens NB in Cotulla (S) Cotulla 0.51% 6.86% 523 0.81% 100,328 19,685 92,183 21.4% 8,030 -7.3% 0.2% 8.0% 0.0% 0.0% 1.1% 0.1% 1.59% 0.06% 1.65% 60.7%

North Dallas Bank & Trust Co. Dallas 0.51% 4.77% 6,146 0.79% 1,213,545 501,713 1,064,736 47.1% 130,845 11.3% -3.8% 10.8% 0.4% 3.4% 1.8% -0.1% 2.17% 0.31% 2.45% 66.9%

Robert Lee State Bank Robert Lee 0.51% 4.65% 227 0.60% 43,885 17,050 38,430 44.4% 5,117 -1.2% -9.4% 11.7% 0.0% 0.0% 2.6% -0.3% 3.44% 0.31% 3.72% 78.9%

Citizens NB of Crosbyton (S) Crosbyton 0.51% 3.33% 228 0.78% 44,637 16,671 37,620 44.3% 6,929 7.2% 0.6% 15.5% 0.0% 0.0% 0.9% 0.0% 2.08% 0.23% 2.29% 66.4%

FirstPerryton Bancorp, Inc. (S) Perryton 0.50% 6.85% 4,704 0.84% 957,000 441,432 846,606 52.1% 72,362 7.2% 5.5% 7.6% 0.1% 0.6% 1.0% 0.0% 2.58% 0.15% 2.77% 72.8%

0.00% - 0.50% ROAA Banks

Texas Leadership Bank Royse City 0.49% 4.22% 350 0.58% 73,974 43,366 65,201 66.5% 8,581 2.9% 10.1% 11.6% 0.1% 1.2% 1.3% 0.0% 3.36% 0.54% 3.81% 85.7%

Dalhart Federal S&LA, SSB Dalhart 0.48% 4.80% 515 0.70% 110,709 66,140 94,057 70.3% 11,039 1.7% 9.5% 10.0% 0.4% 6.0% 0.2% 0.1% 3.77% 1.03% 4.76% 76.9%

First State Bank Hemphill 0.48% 3.28% 263 0.45% 54,638 6,584 46,308 14.2% 8,257 9.6% 2.4% 15.1% 0.6% 3.9% 0.9% 0.0% 2.17% 0.77% 2.88% 70.2%

MINT National Bank Kingwood 0.48% 3.48% 299 0.63% 64,797 52,188 55,523 94.0% 9,143 17.8% 14.5% 14.1% 1.2% 7.9% 1.4% 0.0% 3.56% 1.09% 4.51% 83.8%

First Bank of Muleshoe Muleshoe 0.47% 3.49% 488 0.52% 102,264 19,183 87,577 21.9% 14,328 -6.9% 0.7% 14.0% 0.6% 3.9% 2.8% 0.3% 2.80% 0.23% 3.01% 79.1%

Sovereign Bancshares, Inc. Dallas 0.47% 4.99% 4,926 0.56% 1,028,803 646,223 794,661 81.3% 80,731 -0.1% -10.3% 7.9% 1.7% 15.3% 1.4% 0.5% 3.21% 0.75% 3.91% 80.2%

Texas Hill Country Bank Bandera 0.47% 4.19% 235 0.73% 55,880 38,616 46,864 82.4% 8,469 46.6% 21.9% 15.2% 0.0% 0.0% 1.0% 0.0% 3.61% 0.45% 4.03% 79.8%

HomeBank Texas (S) Seagoville 0.47% 5.44% 560 0.81% 122,103 74,129 110,688 67.0% 10,359 9.8% 3.7% 8.5% 0.6% 5.9% 1.7% 0.1% 3.89% 0.24% 4.12% 78.6%

First NB of Woodsboro (S) Woodsboro 0.46% 5.95% 267 0.62% 59,840 20,137 54,650 36.9% 5,160 30.0% 7.0% 8.6% 0.0% 0.0% 0.7% 0.0% 2.93% 0.20% 3.12% 77.5%

State National Bank of Groom (S) Groom 0.46% 5.50% 181 0.79% 37,862 31,272 34,584 90.4% 3,238 8.5% -0.9% 8.6% 1.5% 15.3% 1.2% 0.8% 4.23% 0.47% 4.70% 79.1%

SharePlus Bank Plano 0.46% 4.54% 1,420 0.70% 334,971 254,391 270,419 94.1% 31,852 8.8% 3.2% 9.5% 0.7% 7.3% 0.8% 0.3% 3.38% 0.56% 3.90% 81.3%

Vision Bancshares, Inc. Laredo 0.46% 6.90% 5,478 1.06% 1,199,620 615,555 1,065,160 57.8% 85,459 4.2% 3.1% 7.1% 0.3% 4.1% 2.2% 0.2% 2.61% 0.27% 2.87% 66.3%

OmniAmerican Bancorp, Inc. Fort Worth 0.45% 2.99% 6,247 0.77% 1,379,069 791,340 829,952 95.4% 214,530 -2.1% 0.6% 15.6% 0.9% 5.5% 0.8% 0.3% 3.35% 0.58% 3.90% 80.7%

Spur Security Bank (S) Spur 0.45% 4.47% 199 0.53% 44,829 9,020 39,989 22.6% 4,780 -8.1% 1.4% 10.7% 0.0% 0.5% 1.2% 0.3% 2.94% 0.42% 3.38% 74.9%

Frontier Bank of Texas Elgin 0.44% 2.41% 606 0.67% 138,057 72,262 111,981 64.5% 25,695 9.5% 6.2% 18.6% 0.0% 0.1% 0.5% 0.1% 3.48% 0.69% 4.10% 81.3%

First NB of Eagle Lake (S) Eagle Lake 0.44% 4.92% 473 1.11% 107,069 73,436 91,737 80.1% 10,053 8.0% -5.2% 9.4% 0.2% 1.9% 1.5% 0.7% 4.75% 0.17% 4.92% 75.3%

TransPecos Banks (S) Pecos 0.44% 4.25% 580 0.00% 132,082 68,386 115,945 59.0% 12,968 11.7% -4.6% 10.0% 0.2% 1.6% 2.3% -1.7% 3.78% 0.32% 4.09% 96.6%

Citizens National Bank (S) Crockett 0.43% 4.90% 377 0.40% 88,699 29,905 78,497 38.1% 8,318 2.4% 0.0% 9.4% 0.6% 6.3% 2.5% 0.2% 2.98% 0.26% 3.24% 81.8%

First National Bank Groesbeck 0.43% 4.11% 219 0.55% 51,332 25,903 45,681 56.7% 5,430 -11.6% 0.8% 10.6% 1.3% 10.8% 2.0% 0.0% 3.92% 0.53% 4.44% 87.6%

Schwertner State Bank Schwertner 0.43% 3.91% 173 0.39% 40,533 8,505 35,707 23.8% 4,735 -20.1% -1.5% 11.7% 0.5% 4.1% 0.7% 0.0% 2.51% 0.29% 2.78% 86.3%

POINTWEST Bank (S) West 0.43% 6.85% 444 0.55% 101,983 26,273 89,943 29.2% 7,090 -1.7% 7.3% 7.0% 0.5% 7.4% 1.1% 0.0% 2.72% 0.28% 2.99% 83.0%

Bank of San Jacinto County (S) Coldspring 0.43% 3.29% 147 0.71% 34,551 19,173 29,973 64.0% 4,554 13.2% 2.2% 13.2% 1.0% 7.4% 1.6% 0.3% 4.82% 0.30% 5.11% 86.7%

First NB of Tahoka (S) Tahoka 0.42% 4.49% 259 0.65% 56,440 16,194 50,557 32.0% 5,820 8.8% -10.8% 10.3% 0.6% 5.8% 1.4% 0.0% 2.37% 0.18% 2.55% 74.1%

FB BanCorp San Antonio 0.42% 3.82% 2,645 1.48% 656,325 626,019 571,255 109.6% 54,413 10.1% 9.1% 8.3% 0.4% 5.1% 1.1% 0.8% 4.36% 0.78% 5.06% 66.5%

Muleshoe State Bank Muleshoe 0.42% 5.78% 457 0.53% 107,156 42,632 98,036 43.5% 7,795 -1.5% 0.5% 7.3% 0.7% 8.7% 1.3% 0.1% 3.60% 0.18% 3.79% 82.6%

First NB of Tom Bean (S) Tom Bean 0.41% 4.98% 253 0.67% 63,291 37,539 57,983 64.7% 5,226 28.2% 10.5% 8.3% 1.3% 14.6% 1.6% 0.0% 3.70% 0.50% 4.20% 79.3%

Southwest Securities, FSB Dallas 0.41% 3.05% 5,162 0.11% 1,259,711 622,298 1,000,597 62.2% 173,659 0.2% 0.7% 13.8% 1.9% 13.1% 1.3% -0.2% 2.82% 0.26% 3.04% 95.5%

Arrowhead Bank Llano 0.40% 3.97% 561 0.63% 144,340 78,596 129,652 60.6% 14,529 19.8% 6.0% 10.1% 0.1% 1.8% 0.5% 0.1% 3.06% 0.09% 3.15% 80.4%

First Bank & Trust Seymour 0.40% 5.21% 191 0.53% 49,880 6,183 45,613 13.6% 4,199 -11.0% 4.2% 8.4% 0.0% 0.0% 2.7% 0.0% 2.14% 0.21% 2.35% 80.4%

First National Bank of Lipan Lipan 0.40% 4.73% 78 0.38% 20,045 8,609 18,329 47.0% 1,694 -3.4% 11.2% 8.5% 0.6% 6.5% 0.9% 0.0% 3.20% 0.32% 3.52% 89.2%

Powell State Bank Powell 0.40% 3.84% 113 0.74% 27,746 14,809 23,596 62.8% 3,012 1.0% 0.2% 10.9% 2.3% 21.0% 1.5% 0.4% 4.24% 0.36% 4.58% 79.4%

Prosper Bank Prosper 0.40% 4.30% 297 0.55% 77,949 39,932 70,589 56.6% 6,985 -4.3% 9.6% 9.0% 2.4% 25.0% 1.6% -0.1% 4.02% 0.52% 4.55% 80.8%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


Grand Bank of Texas (S) Grand Prairie 0.40% 4.61% 731 0.73% 200,190 149,627 183,184 81.7% 16,257 21.8% 23.6% 8.1% 1.2% 13.5% 1.3% 0.0% 4.89% 0.33% 5.22% 85.5%

First State Bank Abilene 0.39% 4.71% 153 0.57% 39,608 17,929 36,317 49.4% 2,653 -3.7% 7.1% 6.8% 0.3% 3.6% 0.8% 0.0% 3.10% 0.06% 3.16% 81.9%

R Bank Round Rock 0.39% 3.89% 963 0.76% 297,345 199,873 255,883 78.1% 28,453 56.3% 54.0% 9.7% 0.6% 6.7% 1.2% 0.0% 3.39% 0.80% 4.17% 75.0%

City National Bank of San Saba (S) San Saba 0.39% 2.61% 214 0.38% 55,830 8,858 47,533 18.6% 8,226 4.1% 1.7% 14.7% 0.0% 0.0% 2.6% 0.5% 2.96% 0.10% 3.07% 80.0%

First State Bank (S) Chico 0.38% 4.34% 792 0.92% 206,521 106,206 180,939 58.7% 19,423 -13.3% -6.9% 9.4% 2.6% 24.0% 3.0% 0.3% 4.37% 0.41% 4.77% 78.3%

First NB of South Padre Island (S) South Padre Is. 0.38% 4.34% 236 0.63% 59,019 21,440 53,356 40.2% 5,631 -4.3% -7.2% 9.5% 2.3% 21.8% 2.3% -0.1% 2.93% 0.36% 3.30% 77.7%

State NB of Big Spring (S) Big Spring 0.38% 4.48% 1,194 0.39% 312,995 41,070 284,620 14.4% 27,817 15.7% 6.2% 8.9% 0.0% 0.1% 5.2% -0.5% 1.47% 0.12% 1.59% 73.1%

Community Bank Bridgeport 0.38% 4.09% 233 0.37% 63,760 33,104 57,874 57.2% 5,835 6.3% 9.6% 9.2% 0.0% 0.0% 0.6% 0.0% 3.05% 0.89% 3.97% 87.8%

NB of Texas at Fort Worth (S) Fort Worth 0.37% 4.86% 666 0.65% 189,766 73,981 171,546 43.1% 14,762 15.2% 9.4% 7.8% 0.2% 2.1% 2.0% -0.1% 3.12% 0.38% 3.48% 82.9%

Carlile Bancshares, Inc. Fort Worth 0.37% 2.40% 6,517 0.87% 1,755,578 1,106,901 1,436,060 77.1% 201,105 9.7% -5.3% 12.0% 2.5% 20.4% 1.0% 0.3% 4.55% 0.30% 4.84% 75.0%

First National Bank of Trenton Trenton 0.36% 3.50% 557 0.41% 158,882 78,238 128,636 60.8% 15,903 -8.5% 3.8% 10.0% 1.6% 15.2% 1.2% 0.0% 2.87% 0.63% 3.46% 92.2%

One World Bank Dallas 0.36% 2.99% 298 0.44% 83,595 51,548 66,031 78.1% 9,996 -7.6% -0.2% 12.0% 8.0% 55.0% 4.1% 2.8% 3.46% 0.60% 3.99% 90.7%

Texas Exchange Bank, SSB (S) Crowley 0.35% 2.08% 465 0.79% 134,157 82,602 106,837 77.3% 21,458 -4.0% 1.6% 16.1% 0.0% 2.2% 1.1% 0.1% 4.18% 0.94% 5.08% 73.6%

Community Bank of Snyder Snyder 0.35% 4.01% 457 0.80% 127,075 59,439 114,695 51.8% 11,436 -6.7% -5.3% 9.0% 0.0% 0.0% 0.8% 1.0% 2.95% 0.18% 3.11% 71.0%

Donley County State Bank (S) Clarendon 0.34% 1.95% 143 0.46% 38,104 7,829 30,708 25.5% 7,309 -13.9% -5.2% 19.2% 0.0% 0.0% 3.6% 0.0% 2.49% 0.29% 2.81% 83.6%

American Bank, NA Dallas 0.34% 4.70% 177 1.36% 52,063 16,713 47,708 35.0% 4,105 52.8% 12.6% 7.9% 0.2% 2.2% 2.6% 2.0% 4.17% 0.87% 4.99% 67.6%

State National Bank in West West 0.32% 4.38% 246 0.47% 73,571 13,763 67,747 20.3% 5,743 -1.5% -6.0% 7.8% 0.1% 1.8% 1.3% 0.8% 2.12% 0.25% 2.36% 81.0%

First Fed. Bank Littlefield, Texas Littlefield 0.31% 1.83% 147 0.51% 48,950 31,953 35,756 89.4% 8,085 12.2% -2.3% 16.5% 0.0% 3.6% 1.1% 0.0% 3.58% 0.48% 3.99% 85.9%

First National Bank of Mertzon Mertzon 0.30% 5.24% 1,048 0.42% 360,937 51,023 340,211 15.0% 20,603 -2.8% 20.7% 5.7% 0.1% 1.6% 1.2% 0.6% 1.34% 0.06% 1.40% 67.3%

Bank Texas, NA Quitman 0.29% 2.07% 1,179 0.76% 544,275 388,556 468,458 82.9% 65,061 100.0% 98.6% 12.0% 0.1% 0.7% 1.0% 0.0% 3.27% 0.58% 3.79% 75.3%

Grand Bank (S) Dallas 0.28% 3.95% 1,479 0.43% 532,680 213,007 430,667 49.5% 38,536 12.5% -2.6% 7.2% 0.0% 0.0% 1.1% 0.0% 1.89% 0.38% 2.25% 78.6%

First NB in Falfurrias (S) Falfurrias 0.27% 2.52% 200 0.53% 71,827 17,065 63,869 26.7% 7,892 1.8% -1.0% 11.0% 0.9% 8.8% 0.7% 0.5% 2.26% 0.10% 2.35% 83.1%

American State Bank (S) Arp 0.27% 2.03% 695 0.47% 255,764 165,186 219,600 75.2% 30,727 -9.0% 8.8% 12.2% 1.4% 11.4% 0.8% 0.1% 4.13% 0.50% 4.63% 85.5%

Security State Bank Anahuac 0.27% 2.87% 398 0.73% 160,699 78,004 145,240 53.7% 12,871 17.9% 11.5% 8.1% 0.7% 8.3% 0.8% 0.1% 3.95% 0.54% 4.53% 74.4%

Synergy Bank, S.S.B. McKinney 0.27% 1.70% 315 0.40% 122,063 80,100 103,084 77.7% 15,667 9.7% 5.7% 13.2% 8.6% 63.3% 1.2% 0.3% 4.72% 0.55% 5.39% 90.9%

Lone Star Capital Bank, NA San Antonio 0.26% 2.27% 646 0.53% 238,428 156,018 198,783 78.5% 21,078 23.3% 1.4% 9.2% 0.1% 0.9% 1.2% 0.0% 3.56% 0.49% 4.05% 84.2%

Brazos National Bank Richwood 0.25% 1.28% 63 0.68% 24,171 15,333 15,026 102.0% 3,720 -14.4% -3.7% 16.2% 0.0% 0.1% 0.9% 0.0% 4.80% 0.22% 4.95% 96.7%

First NB of Colorado City Colorado City 0.24% 2.52% 90 0.20% 36,176 11,638 32,364 36.0% 3,679 -4.8% 1.6% 10.2% 0.0% 0.0% 0.6% 0.1% 2.58% 0.13% 2.71% 93.5%

Atascosa National Bank Pleasanton 0.23% 3.06% 210 0.05% 92,624 11,946 85,443 14.0% 7,122 21.0% 4.1% 7.7% 0.0% 0.2% 1.5% 0.0% 1.29% 0.14% 1.42% 92.3%

Citizens State Bank Princeton 0.23% 1.13% 102 0.23% 43,252 8,379 31,238 26.8% 5,161 8.0% 0.0% 13.3% 0.4% 3.2% 3.3% -0.2% 2.04% 0.47% 2.46% 88.0%

First Capital Bank Quanah 0.23% 2.21% 107 0.38% 45,981 32,120 41,123 78.1% 4,847 -11.0% -3.1% 10.5% 2.1% 17.7% 1.7% 0.4% 5.12% 0.21% 5.34% 93.3%

Herring Bancorp, Inc. (S) Amarillo 0.21% 2.21% 1,009 0.40% 467,761 280,717 401,981 69.8% 45,823 -4.4% -6.4% 9.8% 0.7% 7.2% 1.2% 0.2% 4.12% 0.45% 4.57% 91.4%

First National Bank of Anson (S) Anson 0.21% 2.44% 116 0.19% 58,964 28,159 53,793 52.4% 4,915 21.2% 5.7% 8.3% 0.6% 7.6% 1.6% -0.4% 4.35% 0.07% 4.43% 94.1%

First Texas Bancorp, Inc. Georgetown 0.21% 1.62% 1,939 0.61% 906,426 260,305 773,416 33.7% 119,338 2.2% 3.2% 13.2% 0.2% 1.6% 0.6% 1.2% 2.64% 0.08% 2.71% 80.1%

City National Bank (S) Corsicana 0.20% 2.01% 86 0.42% 43,473 27,049 38,295 70.6% 4,394 12.9% 10.0% 10.1% 0.0% 0.1% 1.5% 0.2% 3.94% 0.27% 4.19% 90.8%

First Bank & Trust Company (S) Dawson 0.20% 4.16% 78 0.27% 39,169 14,310 36,931 38.8% 2,185 -9.1% 3.7% 5.6% 1.3% 24.7% 1.1% 0.1% 3.25% 0.77% 4.05% 88.5%

Grapeland State Bank Grapeland 0.20% 1.85% 64 0.27% 31,328 18,032 26,685 67.6% 1,900 4.1% -4.9% 6.1% 0.7% 5.9% 1.5% 0.5% 4.09% 0.84% 4.89% 90.6%

First NB of Edgewood Edgewood 0.19% 1.96% 38 0.26% 20,406 6,863 18,187 37.7% 1,964 3.6% 9.0% 9.6% 0.0% 0.0% 1.2% 0.0% 3.22% 0.16% 3.38% 91.4%

Texas Regional Bank Harlingen 0.19% 1.61% 672 0.25% 409,597 210,719 357,836 58.9% 44,272 99.9% 138.5% 10.9% 0.7% 7.0% 0.7% 0.0% 4.02% 0.52% 4.57% 92.8%






Name City ROAA ROAE

Net

Income

($000s)

PTPP

ROAA Assets

Gross

Loans Deposits

Loans /

Deposits

Tangible

Common

Equity

Gross

Loans Deposits

TCE /

TA

NPAs /

Assets

Credit /

Capital

LLR /

Loans

NCOs /

Avg.

Loans NIM

Cost of

Funds

Yield on

Earning

Assets

Efficiency

Ratio


First National Bank of Kemp (S) Kemp 0.18% 1.67% 101 0.19% 55,147 19,557 48,472 40.4% 6,136 0.0% -1.5% 11.1% 3.7% 31.8% 2.3% 0.1% 3.10% 0.18% 3.29% 94.8%

Unity NB of Houston Houston 0.18% 2.03% 132 -0.02% 72,869 41,020 61,951 66.2% 5,889 3.5% -0.3% 8.1% 2.2% 22.0% 1.6% 0.0% 4.29% 0.62% 4.86% 100.1%

State Bank of Texas Houston 0.17% 1.99% 285 0.38% 173,297 81,292 158,462 51.3% 14,432 24.2% 0.8% 8.3% 0.2% 2.9% 0.8% 0.0% 2.55% 0.30% 2.82% 85.6%

Business Bank of Texas, N.A. (S) Austin 0.17% 1.36% 157 0.55% 98,663 52,271 78,897 66.3% 12,203 44.6% 18.0% 12.4% 0.0% 0.0% 1.2% 0.0% 3.23% 0.55% 3.68% 82.9%

Texas State Bank (S) Lufkin 0.15% 1.32% 178 0.97% 119,915 94,433 106,328 88.8% 12,719 -5.5% -4.3% 10.7% 4.5% 41.3% 0.6% 1.3% 4.61% 0.31% 4.90% 82.4%

Cendera Bank, NA (S) Bells 0.13% 1.05% 69 0.39% 58,345 48,407 51,423 94.1% 6,800 43.7% 28.6% 11.7% 0.6% 4.7% 1.0% -0.1% 4.90% 0.72% 5.60% 92.0%

Alliance Bank Central Texas Waco 0.12% 1.19% 223 0.24% 191,711 108,138 170,629 63.4% 18,203 -6.3% 0.4% 9.6% 2.3% 21.5% 2.1% 0.6% 3.60% 0.76% 4.36% 91.4%

First Bank Whitney 0.08% 0.84% 42 0.14% 50,076 7,684 44,537 17.3% 5,492 25.8% -17.1% 11.0% 0.0% 0.1% 4.6% 0.5% 1.79% 0.38% 2.15% 94.5%

Texan Bank Sugar Land 0.08% 0.65% 111 0.66% 151,507 123,954 128,752 96.3% 16,368 73.8% 43.4% 10.9% 0.0% 0.1% 1.5% 0.1% 4.58% 0.75% 5.23% 87.2%

Chasewood Bank Houston 0.07% 0.98% 75 0.10% 105,092 40,687 96,379 42.2% 8,181 3.3% 1.5% 7.8% 0.9% 11.3% 1.0% 0.0% 2.86% 0.64% 3.47% 96.4%

Citizens State Bank Anton 0.03% 0.43% 11 0.11% 32,366 15,245 29,641 51.4% 2,547 29.0% 0.2% 7.9% 0.0% 0.0% 1.2% -0.1% 2.45% 0.44% 2.89% 95.4%

First NB of Throckmorton (S) Throckmorton 0.03% 0.29% 8 0.00% 31,639 13,951 28,704 48.6% 2,766 -8.0% 0.5% 8.7% 0.2% 4.8% 1.0% 0.1% 2.52% 0.16% 2.66% 98.6%

Memphis State Bank Memphis 0.01% 0.09% 3 0.05% 32,981 5,226 29,311 17.8% 2,877 -1.7% -2.0% 8.9% 0.0% 0.1% 1.5% 0.0% 2.07% 0.23% 2.29% 98.0%


Citizens State Bank Ganado -0.02% -0.48% (15) -0.06% 61,196 6,857 57,525 11.9% 3,507 4.3% 1.0% 5.7% 0.1% 1.1% 2.0% 0.0% 2.05% 0.39% 2.44% 102.0%

Greater State Bank Falfurrias -0.03% -0.32% (18) -0.18% 63,839 39,395 58,036 67.9% 5,675 4.6% 20.1% 8.9% 1.9% 20.1% 0.8% 0.1% 4.45% 0.65% 5.10% 104.1%

Farmers and Merchants Bank (S) De Leon -0.03% -0.27% (21) -0.24% 68,632 38,748 60,597 63.9% 7,678 36.0% 10.9% 11.2% 0.0% 0.1% 1.0% 0.1% 3.77% 0.09% 3.87% 100.9%

D'Hanis State Bank (S) D'Hanis -0.03% -0.20% (16) -0.35% 46,757 25,418 38,833 65.5% 5,224 -1.4% 4.1% 11.8% 0.7% 9.9% 1.1% 0.0% 4.15% 0.45% 4.57% 106.5%

First NB of Paducah (S) Paducah -0.05% -0.57% (24) -0.12% 42,562 12,891 38,396 33.6% 4,104 -3.5% -3.7% 9.6% 1.5% 15.8% 1.6% -0.1% 2.28% 0.57% 2.86% 103.0%

Lone Star Bank Houston -0.06% -0.58% (61) -0.01% 106,486 76,027 89,805 84.7% 7,246 -8.8% 3.9% 6.8% 3.7% 34.2% 1.3% 1.1% 3.38% 1.29% 4.61% 100.3%

Benchmark Bank (S) Plano -0.08% -0.84% (334) -0.12% 423,125 326,253 373,610 87.3% 41,958 8.5% 6.3% 9.9% 1.0% 9.5% 0.7% 0.1% 3.62% 0.36% 3.97% 101.3%

Fort Davis State Bank (S) Fort Davis -0.14% -1.31% (97) -0.37% 68,356 32,154 60,407 53.2% 7,473 -0.8% -1.5% 10.9% 5.6% 48.3% 2.5% 0.0% 3.85% 0.18% 4.02% 104.9%

Bloomburg State Bank Bloomburg -0.14% -1.29% (19) -0.13% 14,703 6,812 13,146 51.8% 1,504 5.4% 10.4% 10.2% 0.0% 0.0% 1.3% -0.1% 3.16% 0.30% 3.47% 104.1%

Security Bank of Crawford (S) Crawford -0.28% -2.21% (103) -0.85% 23,616 15,966 19,092 83.6% 4,473 -52.0% -62.5% 18.9% 1.7% 8.4% 1.9% -0.1% 2.41% 1.50% 3.73% 125.3%

CU Bank Shares, Inc. Dallas -0.31% -2.79% (1,788) -0.31% 592,681 299,455 383,155 78.2% 64,580 8.5% -6.6% 10.9% 1.9% 16.7% 0.6% 0.3% 1.48% 1.04% 2.48% 121.8%

Dublin National Bank Dublin -0.32% -2.52% (87) -0.75% 27,967 6,391 24,300 26.3% 3,620 -17.3% 1.8% 12.9% 1.5% 11.0% 2.7% -0.8% 3.01% 0.14% 3.16% 122.2%

Texas Savings Bank, s.s.b. (S) Snyder -0.56% -7.31% (439) -0.87% 73,656 34,431 67,893 50.7% 5,593 -31.0% -9.6% 7.6% 5.5% 48.3% 8.1% 1.8% 3.09% 0.68% 3.73% 126.4%

Chappell Hill Bank Chappell Hill -0.57% -5.15% (138) -0.55% 23,188 9,943 20,067 49.6% 2,619 22.5% -6.4% 11.3% 0.0% 0.0% 5.2% -0.1% 1.93% 0.63% 2.52% 126.8%

First State Bank Mesquite -0.83% -9.70% (1,478) -1.00% 173,215 48,831 155,428 31.4% 15,114 -22.6% -2.1% 8.7% 5.0% 47.1% 6.8% 1.4% 2.38% 0.31% 2.69% 134.3%

Strategic Growth Bancorp El Paso -1.37% -8.55% (26,739) -1.06% 1,945,060 1,104,384 1,536,069 71.9% 265,117 2.9% -6.3% 14.3% 3.7% 27.6% 0.6% 0.1% 3.91% 0.44% 4.34% 125.2%

Elkhart State Bank Elkhart -2.09% -25.19% (1,236) -0.35% 60,795 16,530 55,621 29.7% 4,659 -21.6% 10.0% 7.7% 3.2% 39.1% 5.0% 3.9% 4.08% 0.64% 4.76% 105.6%

Average 0.82% 7.99% 8,151 1.22% 867,532 542,481 700,257 63.6% 84,169 10.6% 8.3% 10.4% 0.8% 7.6% 1.5% 0.1% 3.73% 0.42% 4.13% 70.1%

Median 0.82% 8.05% 1,400 1.17% 175,646 90,935 152,773 64.7% 18,231 8.1% 5.7% 9.8% 0.5% 4.4% 1.3% 0.1% 3.74% 0.37% 4.12% 69.6%



