6/10/2019 FDIC Certificate 10716 FRB 11 /431958 000 Charter 0 County: DELTA Public Report nform_ation Introduction Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution ENLOE STATE BANK, THE COOPER TX March 31, 2019 Uniform Bank Performance Report Table of Contents 6/10/2019 9:29:00 AM This uniform bank performance report covers the operations of a bank and that of a comparable Summary Ratios--Page 1 group of peer banks. It is provided as a bank management tool by the Federal Financial Institutions Examination Council. Detailed information concerning the content of this report is provided in the Users Guide for the Uniform Bank Performance Report found online at This report has been produced for the use of the federal regulators of financial Income Statement $--Page 2 Noninterest Income, Expenses and Yields--Page 3 Balance Sheet $--Page 4 Off Balance Sheet Items--Page 5 institutions in carrying out their supervisory responsibilities. All information contained herein was Derivative Instruments--Page 5A obtained from sources deemed reliable however no guarantee is given as to the accuracy of the Derivative Analysis--Page 58 data. The information contained in this report are not to be construed as a rating or other evaluation of a ?nancial institution by a federal banking regulator. The quarterly report of condition and income is the principal source of information for this report. Please refer to that document for additional financial information and an explanation of the accounting standards that underlie data shown herein. For questions regarding content of reports contact: 1-888-237-3111 or email: cdr.help@ffiec.gov Financial Institution Address: ENLOE STATE BANK, THE 45 NW 1ST ST COOPER TX 75432- The Current Federal Regulator is: Federal Deposit Insurance Corporation The bank was established on: 6/5/1928 The current peer group for this bank is: 17 Insured commercial banks havinq assets less than $50 million, with 1 full service bankinq offices and not located in a metropolitan statistical area Footnotes: Balance Sheet Percentage Composition--Page 6 Analysis of Credit Allowance and Loan Mix--Page 7 Analysis of Credit Allowance and Loan Mix--Page 7A Analysis of Concentrations of Credit--Page 78 Analysis of Past Due, Nonaccrual Restructured--Page 8 Analysis of Past Due, Nonaccrual Restructured--Page 8A Interest Rate Risk Analysis as a Percent of Assets--Page 9 Liquidity Funding--Page 10 Liquidity Investment Portfolio--Page 10A Capital Analysis--Page 11 Capital Analysis--Page 11A Capital Analysis--Page 11 Capital Analysis--Page 110 One Quarter Annualized Income Analysis--Page 12 Securitization Asset Sale Activities--Page 13 Securitization Asset Sale Activities--Page 13A Securitization Asset Sale Activities--Page 13B Fiduciary Related Services--Page 1 Fiduciary Related Services--Page 1A State Average Bank Holding Compa_ny Information: FRB District/ 11 1108994 Financial data in the Uniform Bank Performance Report may have been adjusted as a result of ENTEX BANCSHARES, INC. information shown in footnotes below. Please refer to the Uniform Bank Performance Report Users Guide online for details. COOPER, TX 1/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Summary Ratios OCC Charter 0 County: DELTA Summary Ratios--Page 1 6/10/2019 9:29:00 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2017 12/31/2016 Earnings and Profitability BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT Percent Of Average Assets: nterest ncome . . . . . . . . . . interest Expense 1.13 0.53 94 0.97 0.37 97 1.01 0.42 96 0.71 0.34 92 0.67 0.33 92 Net Interest Income (TE) 4.31 3.60 83 3.97 3.41 79 4.36 3.54 88 4.71 3.46 96 4.80 3.43 96 Noninterest income 0.13 0.40 11 0.18 0.41 18 0.19 0.42 20 0.22 0.42 23 0.20 0.43 17 - Noninterest Expense 2.53 2.83 38 2.25 2.79 27 2.89 2.89 53 3.05 2.85 60 3.03 2.82 62 8? Lease 0.07 0.04 75 0.00 0.06 59 0.00 0.11 42 0.00 0.10 36 0.08 0.08 62 Cred? LOSS 0th 0.00 0.00 0.00 0.00 0.00 (TEf?retaX Operating 'ncome 1.84 1.10 85 1.90 0.99 90 1.66 0.97 82 1.88 0.93 91 1.90 0.98 87 SgcRea'ized GainS/Losses 0.00 0.00 94 0.00 0.00 97 0.00 0.00 94 0.00 0.00 73 0.00 0.01 67 unrea'iz?d Gains? 0.00 0.00 0.00 0.00 0.00 Losses EqUIty Sec Ing??aewg Operatm 1.84 1.10 84 1.90 0.99 90 1.66 0.97 82 1.88 0.93 90 1.90 1.00 86 Net Operating income 1.59 0.96 84 1.36 0.86 78 1.23 0.84 73 1.24 0.75 82 1.26 0.80 78 ln?g?zted Net Operat'?9 1.63 1.02 81 1.36 0.91 77 1.15 0.86 66 1.22 0.76 78 1.35 0.81 81 Net inc Attrib tO Min ints 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Net income Adjusted Sub 1.59 0.88 89 1.36 0.78 85 1.23 0.76 78 1.24 0.63 92 1.26 0.67 87 Net income 1.59 0.96 84 1.36 0.86 78 1.23 0.84 73 1.24 0.75 82 1.26 0.80 78 Margin Analysis: Assets to Avg 93.72 93.94 42 78.35 93.32 2 88.75 93.79 10 93.11 93.04 47 92.53 92.74 42 ?ge'g'aearmg Funds to Avg 74.80 66.50 81 75.25 66.47 81 74.79 66.41 83 71.55 66.77 69 71.63 67.35 67 to Avg Ear? 5.80 4.41 94 6.29 4.08 98 6.05 4.25 97 5.82 4.11 96 5.92 4.09 97 f?s'ifgense t0 Avg Earn 1.20 0.56 94 1.23 0.40 99 1.14 0.45 98 0.76 0.37 93 0.73 0.36 92 2:41: to Avg Earn 4.60 3.83 83 5.06 3.67 96 4.91 3.78 92 5.06 3.73 95 5.19 3.71 95 Loan Lease Analysis: $85888 ?0 Average Tota' 0.03 0.01 78 0.00 0.05 68 0.10 0.14 62 0.03 0.19 43 0.00 0.14 19 0f Net 87.00 22.79 96 20.49 21.44 21.71 67 87.43 26.01 87 27.78 h?f?h??owance to 0.51 1.57 4 0.75 1.57 9 0.50 1.53 4 0.65 1.51 6 0.72 1.49 9 egowance to Net 19.75 12.57 76 13.77 5.70 15.03 42 25.86 19.80 74 18.49 knit: A??""ance to TOta' 0.51 1.57 4 0.75 1.56 9 0.50 1.53 4 0.65 1.51 7 0.72 1.49 9 33:" Days PaSt 0.00 0.24 44 0.00 0.23 55 0.00 0.23 49 0.00 0.18 51 0.00 0.20 52 -Nonaccrual 0.00 0.67 38 0.50 0.74 59 0.00 0.66 38 0.43 0.72 59 0.50 0.56 57 -Total 0.00 1.06 23 0.50 1.11 48 0.00 1.02 26 0.43 1.03 46 0.50 0.86 47 Liquidity gzegglh?nCore Fund Dep New 7.03 -23.60 89 -11.86 -23.22 58 9.31 -19.56 89 8.95 -19.01 86 0.71 -18.21 78 ?g??-tzansueasesw 83.67 54.67 95 68.21 52.88 77 83.38 55.09 97 78.60 53.91 89 82.06 53.93 95 Capitalization TierOne Leverage Capital 9.2272 12.66 10 9.1276 12.29 14 9.0932 12.65 8 8.8691 12.07 12 9.5644 11.82 23 DiVidendSIONet 0.00 31.09 64 0.00 31.54 63 70.09 37.76 75 81.68 40.84 83 81.84 40.72 82 Income Renamed .Eammgs to Avg 17.61 3.44 98 15.22 3.01 96 3.89 3.21 61 2.32 2.52 45 2.28 2.81 44 Total EqUIty Acq to 0.00 4.72 30 3.54 5.52 53 0.00 4.87 29 3.67 5.35 57 4.02 5.05 57 Growth Rates Total Assets 4.60 -0.31 81 12.20 0.94 93 3.79 -0.08 78 12.02 1.35 93 1.86 0.27 63 Tier One Capital 4.79 3.74 64 1.97 3.19 38 4.14 3.59 60 2.45 3.02 44 2.41 2.78 46 Net Loans Leases 28.31 2.74 95 -8.20 2.14 10 10.10 1.98 86 7.29 2.72 72 7.69 2.55 72 Short Term investments -80.97 3.61 1 425.60 9.30 97 -53.59 8.51 9 101.24 6.77 92 -36.86 12.53 10 ShortTerm Noncore 8.08 -4.17 66 72.83 15.66 78 -19.49 -8.71 36 252.83 21.13 92 21.01 -10.32 76 Funding Average Total Assets 36,490 35,201 34,880 32,478 30,952 Total Equity Capital 3,367 3,213 3,221 3,093 3,019 Net Income 145 120 428 404 391 2/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution Number of banks in Peer 218 231 216 232 256 Group 3/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Income Statement 000 Charter 0 County: DELTA Income Statement $--Page 2 6/10/2019 9:29:01 AM Public Report 3/31/2019 12/31/2018 12/31/2016 Interest and Fees on Loans 484 1,818 1,667 Income From Lease 0 0 Financing Tax-Exempt 0 0 0 Estimated Tax Benefit 0 0 0 Income on Loans Leases (TE) 484 1,818 1,667 US Treas Agency (Excl MBS) 8 34 14 Mortgage Backed Securities 0 0 0 Estimated Tax Benefit 0 0 0 All Other Securities 0 4 0 Tax-Exempt Securities 0 0 0 Income Investment Interest Income (TE) 8 38 14 Interest on Due From Banks 4 14 14 Int on Fed Funds Sold 0 4 0 Resales Trading Account Income 0 Other Interest Income 0 0 0 Total Interest Income (TE) 496 1,874 1,695 Int on Deposits in Foreign Off Interest on Domestic Deposits 90 304 208 Int on Fed Funds Purch 3 1 0 Repos Int Trad Liab Oth 0 Borrowings Int on Sub Notes 0 Debentures Other Interest Expense 10 49 Total Interest Expense 103 354 208 Net Interest Income (TE) 393 1,520 1,487 Non-interest Income 12 66 63 Adjusted Operating Income 405 1 586 1 550 (TE) 1 I Non-Interest Expense 231 1,007 937 Provision: Loan Lease 6 0 25 Losses Provision: Credit Losses Other Assets Pretax Operating Income 168 579 588 (TE) Realized HId-to-Maturity 0 0 0 Sec Realized Avail-for Sale 0 0 0 Sec Unrealized Equity Securities Pretax Net Operating Inc 168 579 588 (TE) Applicable Income Taxes 23 151 197 Current Tax Equiv Adjustment 0 0 0 Other Tax Equiv Adjustments 0 0 0 Applicable Income Taxes 23 151 197 Net Operating Income 145 428 391 Net Discontinued 0 0 0 Extraordinary Items Net Inc Noncontrolling 0 0 0 Minority Interests Net Income 145 428 391 Cash Dividends Declared 0 300 320 Retained Earnings 145 128 71 Memo: Net International Income Memo: Interest on Time Dep Over 72 4/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution Memo: Interest on Time Dep Over 4 3 25 24 33.33 5/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB 11 /431958 ENLOE STATE BANK, THE COOPER TX Non Inc, Exp, Yields OCC Charter 0 County: DELTA Noninterest Income, Expenses and Yields--Page 3 6/10/2019 9:29:02 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2017 Percent of Average Assets BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT Personnel Expense 1.39 1.58 35 1.15 1.55 16 1.63 1.62 52 1.63 1.60 53 1.63 1.56 59 Occupancy Expense 0.18 0.29 24 0.24 0.28 45 0.26 0.30 46 0.30 0.30 57 0.27 0.30 50 gig?ggfg) EXP 0.96 0.94 59 0.86 0.94 48 1.00 0.95 59 1.12 0.92 70 1.13 0.94 71 Total Overhead Expense 2.53 2.83 38 2.25 2.79 27 2.89 2.89 53 3.05 2.85 60 3.03 2.82 62 Overhead Less Nonint Inc 2.40 2.40 51 2.07 2.33 37 2.70 2.44 66 2.83 2.40 75 2.82 2.35 75 Other Income Expense Ratios: Efficiency Ratio 57.04 70.87 17 54.25 72.42 12 63.49 72.64 28 61.82 73.23 22 60.45 73.41 21 EXP Per 63.50 66.46 47 57.71 64.54 32 70.88 68.65 60 75.57 65.37 76 71.86 64.27 67 $173;sz Emp'oyee 4.59 4.40 58 5.02 4.37 71 4.56 4.46 54 5.02 4.34 72 4.48 4.33 56 Yield on or Cost Of: Total Loan 8 Leases (TE) 6.28 5.80 73 6.86 5.57 88 6.59 5.72 82 6.45 5.63 81 6.72 5.64 86 Loans in Domestic Offices 6.28 5.80 74 6.86 5.56 88 6.59 5.72 82 6.45 5.62 81 6.72 5.63 86 Real Estate 6.26 5.46 79 5.33 5.30 56 5.67 5.45 65 5.56 5.38 64 5.78 5.42 70 Resi Figure" by 1'4 Fam 7.32 5.58 86 5.31 5.52 51 5.29 5.60 52 5.41 5.57 52 5.77 5.59 62 Real Loans sec 5.29 5.41 53 5.34 5.19 60 6.26 5.41 81 5.78 5.26 74 5.78 5.33 73 Commercial 8 Industrial 15.23 6.05 98 8.22 5.79 93 7.03 5.92 81 7.47 5.83 88 8.06 5.88 91 individual 6.12 7.24 29 7.62 7.04 65 6.68 7.22 43 7.51 7.26 60 8.00 7.24 71 Credit Card 11.17 12.05 11.56 12.17 9.89 Agricultural 6.93 5.79 88 8.04 5.54 97 7.83 5.69 95 7.27 5.48 94 7.43 5.46 94 Loans in Foreign Offices 0.00 0.00 0.00 0.00 0.00 {23' 'nveStment secur't'es 1.60 2.52 3 2.01 2.29 39 1.90 2.35 25 0.70 2.36 1 0.70 2.33 2 (nga?jlg?vesment securities 1.60 2.37 5 2.01 2.15 42 1.90 2.20 33 0.70 2.06 1 0.70 2.04 2 8? Agency 1.60 2.13 14 2.01 1.77 71 1.71 1.89 33 0.70 1.67 6 0.70 1.65 5 822323239 BaCked 0.00 2.01 17 0.00 1.88 17 0.00 2.05 13 0.00 1.91 13 0.00 1.93 11 All Other Securities 2.59 2.51 2.47 2.41 0.00 2.41 1 '?tereSt'BearW Bank 1.33 1.92 17 1.33 1.35 31 1.16 1.66 17 0.91 1.26 18 0.79 1.05 32 Balances EZEZISISFUMS 30? 8? 2.22 1.38 320.00 1.71 99 3.86 0.92 96 0.40 g?gysri?tfre? Bearing 1.45 0.76 95 1.09 0.53 94 1.28 0.61 96 0.97 0.49 94 0.94 0.47 94 Transaction accounts 0.47 0.22 86 0.51 0.16 92 0.50 0.19 90 0.54 0.16 94 0.50 0.15 97 Other Savings Deposits 0.54 0.38 76 0.40 0.27 78 0.42 0.30 77 0.43 0.25 86 0.43 0.24 88 Time Deposits 1.94 1.28 94 1.54 0.88 95 1.80 1.02 96 1.38 0.81 94 1.33 0.76 94 Foreign Office Deposits 0.00 0.00 0.00 0.00 0.00 Ezgirsa' Funds PUIChased 8? 2.99 1.10 80 0.93 3.51 1.61 83 2.40 1.16 82 0.48 Other Borrowed Money 3.23 1.44 1.74 1.46 1.17 Subord Notes 8 Debentures 0.00 0.00 0.00 0.00 0.00 Other Interest Expense 2.00 1.94 50 2.80 1.70 75 2.04 1.71 50 0.00 1.35 22 0.00 All Interest-Bearing Funds 1.51 0.79 94 1.28 0.55 97 1.36 0.64 96 0.99 0.51 93 0.94 0.49 93 $419633 Time Deps over 0.00 0.00 0.00 0.00 1.22 0.80 85 $33 Time Deps over 0.99 1.48 23 0.97 1.03 42 1.77 1.25 73 1.94 0.93 87 0.00 Non-interest Income Expenses Fiduciary Activities 0 0 0 0 0 Deposit Service Charges 8 8 33 38 33 Trading, Vent Cap, Securtz 0 0 0 Inc Inv Banking, Advisory Inc 0 0 0 0 0 Insurance Comm Fees 0 0 0 0 0 Net Servicing Fees 0 0 0 0 0 Loan Lse Net Gains/Loss 0 0 0 0 0 Other Net Gains/Losses 0 0 -9 0 0 Other Non-interest Income 4 8 42 34 30 Non-interest Income 12 16 66 72 63 Personnel Expense 127 101 567 529 503 Occupancy Expense 16 21 90 97 85 Goodwill Impairment 0 0 0 0 0 Other Intangible Amortiz 0 0 0 0 0 Other Oper Exp(incl 88 76 350 365 349 Intangibles) Non-Interest Expense 231 198 1,007 991 937 Domestic Banking Offices(#) 1 1 1 1 1 Foreign Branches 0 0 0 0 0 6/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution Assets Per Domestic Office 36,738 35,123 36,485 35,154 31,382 7/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB 11 /431958 ENLOE STATE BANK, THE COOPER TX Balance Sheet OCC Charter 0 County: DELTA Balance Sheet $--Page 4 6/10/2019 9:29:03 AM Public Report Percent Change ngrter 1 Year Assets: Real Estate Loans 10,957 10,655 10,826 10,502 10,214 1.21 2.83 Commercial Loans 7,091 4,498 7,823 3,679 3,813 -9.36 57.65 Individual Loans 2,493 1,373 2,536 1,224 1,095 -1.70 81.57 Agricultural Loans 10,350 7,609 9,390 12,407 10,762 10.22 36.02 Other Loans Leases 6 3 2 0 57 200.00 100.00 Allowance 158 181 154 181 188 2.60 -12.71 Unearned Income 0 0 0 0 0 Net Loans Leases 30,739 23,957 30,423 27,631 25,753 1.04 28.31 U-S- 8? Agency 1,997 1,995 1,996 2,003 2,005 0.05 0.10 Securities Municipal Securities 0 0 0 0 0 Foreign Debt Securities 0 0 0 0 0 All Other Securities 2 0 0 0 0 HTM Securities Allowance '?tereSt'Bear'ng Bank 1,203 1,203 1,203 1,203 1,288 0.00 0.00 Balances Federal Funds Sold Resales 0 5,120 0 1,389 0 -100.00 Trading Account Assets 0 0 0 0 0 Total Investments 3,202 8,318 3,199 4,595 3,293 0.09 -61.51 Total Earning Assets 33,941 32,275 33,622 32,226 29,046 0.95 5.16 SEES 033? 8? Due From 506 1,459 863 1,408 1,257 -41.37 -65.32 Prem'ses? cap 283 288 279 290 282 1.43 -1.74 Leases Other Real Estate Owned 0 0 0 0 0 Dir lndir RE Ventures 0 0 0 0 0 in Unconsolidated Subs 0 0 0 0 0 Acceptances Oth Assets 2,008 1,101 1,721 1,230 797 16.68 82.38 Total Assets 36,738 35,123 36,485 35,154 31,382 0.69 4.60 Average Assets Burmg 36,490 35,201 35,422 34,874 31,565 3.02 3.66 Quarter Liabilities: Demand Deposits 5,749 6,093 6,067 6,611 6,269 -5.24 -5.65 All Now ATS Accounts 4,202 4,173 3,783 4,538 4,440 11.08 0.69 Money Market 1,916 751 863 746 726 122.02 155.13 Accounts Other savings Deposits 4,464 4,221 4,385 4,333 5,011 1.80 5.76 IT'me Deps At .Or 39"? 13,417 13,302 13,847 10,540 10,391 -3.11 0.86 nsurance Limit Less: Fully Insured Brokered 0 0 0 0 0 Deposits Core Deposits 29,748 28,540 28,945 26,768 26,837 2.77 4.23 Fully Insured Brokered 0 0 0 0 0 Deposits [:25 Deps Above '?Surance 1,506 1,244 1,757 1,243 1,486 -14.29 21.06 Deposits in Foreign Offices Total Deposits 31,254 29,784 30,703 28,011 28,323 1.79 4.94 Federal Funds Purch 0 0 464 0 0 _100 00 Resale igngome 3? Mat 1 2,000 2,000 2,000 4,000 0 0.00 0.00 Fed Home Loan Bor Mat 1 0 0 0 0 0 Year Oth Borrowing Mat 1 Year 0 0 0 0 0 Oth Borrowing Mat 1 Year 0 0 0 0 0 Subordinated Notes 0 0 0 0 0 Debentures A.?C??Piances 8? Other 117 126 97 50 40 20.62 -7.14 Liabilities Total Liabilities (Incl Mortg) 33,371 31,910 33,264 32,061 28,363 0.32 4.58 Total Bank Capital Min Int 3,367 3,213 3,221 3,093 3,019 4.53 4.79 Total Liabilities Capital 36,738 35,123 36,485 35,154 31,382 0.69 4.60 Memoranda: Officers, Shareholder Loans 0 0 0 0 0 (?bers! SharehO'der Loans 205 248 208 263 117 -1 44 -17 34 Held-to-Maturity Securities 1,999 1,995 1,996 2,003 2,005 0.15 0.20 Available-for-Sale Securities 0 0 0 0 0 All Brokered Deposits 0 0 0 0 0 in Foreign Offices Loans Held for Sale 0 0 0 0 0 Loans not Held for Sale 30,897 24,138 30,577 27,812 25,941 1.05 28.00 8/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Off Balance Sheet Items 000 Charter 0 County: DELTA Off Balance Sheet Items--Page 5 6/10/2019 9:29:04 AM Public Report 3/31/2019 12/31/2018 12/31/2016 1 Year Outstanding of Total BANK PG PCT BANK PG PCT BANK PG PCT Assets) 17 17 17 Equ'ty (1'4 0.00 0.03 82 0.00 0.02 83 0.00 0.04 83 Credit Card 0.00 0.00 94 0.00 0.06 95 0.00 0.07 95 Commercial RE Secured by RE 0.00 0.26 58 0.00 0.27 58 0.00 0.23 62 7'4 Eam'w 0.00 0.10 70 0.00 0.11 69 0.00 0.07 74 ReSIdentIal Comml RE, Oth Const Land 0.00 0.10 69 0.00 0.10 71 0.00 0.11 72 COmmerc'a' RE N?t 0.00 0.01 98 0.00 0.01 98 0.00 0.00 98 Secured by RE All Other 1.15 5.31 20 0.99 4.59 17 1.85 4.62 31 To?" 1.15 6.04 13 0.99 5.27 13 1.85 5.28 25 CommItments 0.00 0.00 WA 0.00 0.00 99 Unden/vrItIng Standby Letters of Credit 0.00 0.05 72 0.00 0.05 73 0.00 0.06 71 0mg? conveyed ?0 0.00 0.00 0.00 C?mlner?ia' Letters 0f 0.00 0.00 93 0.00 0.00 92 0.00 0.00 92 CredIt Assets securitized ?r 0.00 0.48 96 0.00 0.40 96 0.00 0.40 95 Sold w/Rec EAm?unt 0f Recourse 0.00 0.00 0.00 0.08 96 Credit Derivatives Bank 000 as Guarantor CredItDerIvatIves Bank 000 MA as BenefICIary 0.00 0.00 0.00 99 0.00 WA 0.00 0.00 99 All Oth Off-Balance Sheet Items 0.00 0.34 96 0.00 0.29 96 0.00 0.24 97 Off-Balance Sheet Items 1.15 6.64 12 Outstanding ($000) Home Equity (1-4 0.99 5.90 13 1.85 5.90 23 . 0 0 FamIly) Credit Card 0 0 0 A Commercial RE Secured by RE 0 0 0 1-4 Family Residential 0 0 0 Commercial RE, Oth Const Land 0 0 0 Commercial RE Not Secured by RE 0 0 0 All Other 424 362 579 -557 SecurItIes 0 UnderertIng Memo: Unused Commit w/mat GT 1 YR 0 0 0 Standby Letters of Credit 0 0 0 Amount Conveyed to Others CommerCIal Letters of 0 0 CredIt Assets Securitized or 0 0 Sold w/recourse Amount of Recourse MA MA 0 Exposure Credit Derivatives Bank 0 MA as Guarantor CredIt Derivatives Bank 0 MA as BenefICIary All Oth Off-Balance Sheet Items 0 0 0 Off-Balance Sheet Items 424 362 579 -557 9/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Derivative Instruments OCC Charter 0 County: DELTA Derivative Instruments--Page 5A 6/10/2019 9:29:05 AM Public Report 3/31/2019 12/31/2018 12I31I2016 Notional Amount ($000) Derivative Contracts 0 0 0 Interest Rate Contracts 0 0 0 Other Derivative Contracts 0 0 0 Foreign Exchange 0 Contracts Equity, Comm Oth 0 Contracts Derivatives Position Future and Forwards 0 Written Options 0 Exchange Traded 0 Over-the-Counter 0 Purchased Options 0 Exchange Traded 0 Over-the-Counter 0 Swaps 0 Held-for-Trading 0 0 0 Interest Rate Contracts 0 0 0 Other Derivative Contracts 0 0 0 Foreign Exchange 0 Contracts Equity, Comm Oth 0 Contracts Non-Traded 0 0 0 Interest Rate Contracts 0 0 0 Other Derivative Contracts 0 0 0 Foreign Exchange 0 Contracts Equity, Comm Oth 0 Contracts Memo: Marked-to-Market 0 Derivative Contracts (RBC 0 0 0 Def) One Year or Less 0 0 0 Over 1 Year to 5 Years 0 0 0 Over 5 Years 0 0 0 Gross Negative Fair Value 0 Gross Positive Fair Value 0 Held-for-Trading 0 Non-Traded 0 Memo: Marked-to-Market 0 Current Credit Exposure All 0 0 0 Derivatives Credit Losses A A Derivatives Past Due Derivatives Instruments: Fair Value Carried as Assets Impact Nontraded Derivatives Contracts: Increase (Decr) in Interest IA Inc Increase (Beer) in Interest IA Exp Increase (Decr) in Nonint ALLOC Increase (Decr) in Net Income 10/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Derivative Analysis OCC Charter 0 County: DELTA Derivative Analysis--Page 58 6/10/2019 9:29:05 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2017 Percent of Notional Amounts BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT interest Rate Contracts 100.00 100.00 100.00 0.00 99.59 Other Derivative Contracts 0.00 0.00 0.00 0.00 0.41 C5333: EXChange 0.00 0.00 0.00 0.00 0.00 Cf??ggiscomm 8? 0.00 0.00 0.00 0.00 0.41 Derivatives Position Futures and Forwards 0.00 0.00 0.00 0.00 0.00 Written Options 0.00 0.00 0.00 0.00 99.59 Exchange Traded 0.00 0.00 0.00 0.00 0.00 Over-the-Counter 0.00 0.00 0.00 0.00 99.59 Purchased Options 0.00 0.00 0.00 0.00 0.41 Exchange Traded 0.00 0.00 0.00 0.00 0.00 Over-the-Counter 0.00 0.00 0.00 0.00 0.41 Swaps 0.00 0.00 0.00 0.00 0.00 Held-for-Trading 0.00 0.00 0.00 0.00 0.00 interest Rate Contracts 0.00 0.00 0.00 0.00 0.00 Other Derivative Contracts 0.00 0.00 0.00 0.00 0.00 Confgcetf? EXChange 0.00 0.00 0.00 0.00 0.00 comm 8? 0th 0.00 0.00 0.00 0.00 0.00 Non-Traded 100.00 100.00 100.00 0.00 100.00 Interest Rate Contracts 100.00 100.00 100.00 0.00 99.59 Other Derivative Contracts 0.00 0.00 0.00 0.00 0.41 Confgcet'g? EXChange 0.00 0.00 0.00 0.00 0.00 Con?ggt 00mm 8? 0.00 0.00 0.00 0.00 0.41 Memo: Marked-tO-Market 0.00 0.00 0.00 0.00 100.00 Bigvative commas (RBC 0.00 0.00 0.00 0.00 23.50 One Year or Less 0.00 0.00 0.00 0.00 23.43 Over 1 Year to 5 Years 0.00 0.00 0.00 0.00 0.07 Over 5 Years 0.00 0.00 0.00 0.00 0.00 Gross Negative Fair Value 0.00 0.00 0.00 0.00 0.02 Gross Positive Fair Value 0.00 0.00 0.00 0.00 0.10 By Tier One Capital: (X53035 Negat've Fa? va'ue 0.00 0.00 0.00 0.00 0.00 0.00 99 (?Gross POSitive Fa? va'ue 0.00 0.00 0.00 0.00 0.00 0.00 99 Held-for-Trading 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Non-Traded 0.00 0.00 98 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.01 98 Mktg??'Traded Marked'to' 0.00 0.00 0.00 0.00 0.00 0.01 98 Current Credit Exposure 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Credit Losses on Derivatives 0.00 0.00 0.00 0.00 0.00 Past Due Derivative Instruments: Ags?sva'ue camed as 0.00 0.00 0.00 0.00 0.00 Other Ratios: Cur Credit Exposure/Risk WT AST Greg'twsses 0? 0.00 0.00 0.00 0.00 0.00 Derivatives/CR Allow Impact Nontraded Derivatives 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Contracts: lnanrmeC) '?tereSt '?C/Net 0.00 0.00 0.00 0.00 0.00 '?tereSt EXp/Net 0.00 0.00 0.00 0.00 0.00 lncr(DeC) Nonint Inc 0.00 0.00 0.00 0.00 0.00 Net '?Come/Net 0.00 0.00 0.00 0.00 0.00 11/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB 11 /431958 ENLOE STATE BANK, THE COOPER TX Balance Sheet OCC Charter 0 County: DELTA Balance Sheet Percentage Composition--Page 6 6/10/2019 9:29:06 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2016 Percent of Average Assets BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT Loans Held For Sale 0.00 0.12 97 0.00 0.12 97 0.00 0.14 97 0.00 0.04 96 0.00 0.02 98 Loans Not Held For Sale 83.95 55.75 96 73.92 54.22 84 79.97 54.86 92 82.74 54.20 95 80.49 54.56 91 Less: Allowance 0.43 0.82 15 0.52 0.78 24 0.47 0.81 19 0.57 0.79 29 0.54 0.79 24 Net Loans Leases 83.53 55.01 97 73.41 53.52 85 79.50 54.16 93 82.18 53.41 96 79.95 53.76 92 gg?fg?ite'fearmg Bank 3.29 11.32 22 3.42 11.56 25 3.41 11.82 24 3.76 11.57 25 5.64 10.86 34 8? 0.00 3.04 36 9.26 2.42 88 3.69 2.43 70 0.86 2.32 48 0.00 2.34 33 Trading Account Assets 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Held-to-Maturity Securities 5.46 2.89 79 5.69 2.92 79 5.67 3.13 79 6.17 2.93 79 6.45 3.16 79 HTM Securities Allowance 0.00 0.00 0.00 0.00 0.00 Available-for-Sale Securities 0.00 14.49 22 0.00 15.39 21 0.00 15.41 20 0.00 15.66 20 0.00 15.85 19 Marketable Equity Sec at FV 0.00 0.00 0.00 0.00 0.00 Total Earning Assets 92.27 92.87 39 91.78 92.53 36 92.28 92.70 42 92.96 92.35 53 92.04 92.32 43 NonintcaShg?DueFrom 1.87 3.69 18 4.08 4.09 56 3.00 3.90 41 2.73 4.18 34 3.95 4.18 56 Banks Eggs! 8? cap 0.77 0.67 64 0.82 0.72 67 0.80 0.67 67 0.87 0.75 67 0.87 0.76 66 Other Real Estate Owned 0.00 0.09 63 0.00 0.09 62 0.05 0.10 63 0.09 0.11 67 0.00 0.12 52 Dir 8 lndir Inv RE Ventures 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Inv in Unconsolidated Subs 0.00 0.00 99 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 Acceptances 8 Other Assets 5.09 2.19 91 3.32 2.08 79 3.87 2.16 84 3.36 2.08 81 3.14 2.08 77 Total Non-Earning Assets 7.73 7.13 60 8.22 7.47 63 7.72 7.30 57 7.04 7.65 46 7.96 7.68 56 Total Assets 100.00 100.00 99 100.00 100.00 99 100.00 100.00 98 100.00 100.00 99 100.00 100.00 99 Standby Letters of Credit 0.00 0.06 71 0.00 0.05 70 0.00 0.06 69 0.00 0.06 70 0.00 0.08 67 Liabilities Demand Deposits 16.14 21.10 27 18.08 20.79 42 17.04 20.79 35 18.68 20.20 48 18.81 19.44 50 All NOW 8 ATS Accounts 10.91 13.38 38 12.40 13.20 43 11.18 13.09 39 14.25 13.25 53 13.83 13.19 50 X??goeuyngarket 3.80 6.31 41 2.13 6.75 30 2.16 6.38 32 2.26 7.15 27 2.28 7.13 26 Other Savings Deposits 12.09 14.37 43 12.17 14.37 43 12.32 14.57 42 14.13 13.77 57 15.85 12.96 67 T'me D995 0? .Or Be'ow 37.23 22.02 93 33.93 22.46 88 36.40 22.69 93 32.66 23.48 81 35.22 25.26 83 Insurance Limit 'nsured Br?ker6d 0.00 0.18 86 0.00 0.22 87 0.00 0.19 86 0.00 0.22 85 0.00 0.25 86 Core Deposits 80.16 80.61 39 78.70 81.17 31 79.10 80.93 31 81.98 81.44 44 85.98 81.61 73 Elg'r'gg'sri?tssured Br?kered 0.00 0.18 86 0.00 0.22 87 0.00 0.19 86 0.00 0.22 85 0.00 0.25 86 Deps Above '?Surance 4.46 3.54 65 3.54 3.25 62 4.24 3.37 67 3.97 2.97 68 3.80 2.75 69 Deposits in Foreign Offices 0.00 0.00 0.00 0.00 0.00 Total Deposits 84.61 85.57 32 82.24 85.91 20 83.33 85.71 24 85.94 85.70 45 89.77 85.71 84 Federa'FundSPUFChg? 0.63 0.04 92 0.00 0.07 85 0.27 0.10 82 1.58 0.14 95 0.00 0.17 65 Repos gzt?gsvf?gg'ome Loan 5.46 0.57 92 8.54 0.65 96 6.81 0.60 97 2.46 0.82 81 0.00 0.80 71 Total Other Borrowings 0.00 0.01 90 0.00 0.00 93 0.00 0.02 88 0.00 0.02 88 0.00 0.01 90 10.55 3.82 89 12.08 3.82 90 11.32 3.87 89 8.02 3.45 83 4.12 3.03 66 SUbordinated NOtesg? 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Debentures 3238:3095 8? Other 0.29 0.35 58 0.25 0.31 59 0.25 0.33 53 0.17 0.34 37 0.20 0.37 40 Total Liabilities (Incl Mortg) 91.00 87.34 89 91.03 87.79 86 90.67 87.54 84 90.16 87.85 75 89.97 87.88 73 Total Bank Capital 8 Min Int 9.00 12.66 10 8.97 12.21 13 9.33 12.46 15 9.84 12.15 24 10.03 12.12 26 Total Liabilities8Capital 100.00 100.00 96 100.00 100.00 96 100.00 100.00 94 100.00 100.00 92 100.00 100.00 94 Memo: All Brokered Deposits 0.00 0.32 83 0.00 0.30 85 0.00 0.29 83 0.00 0.31 83 0.00 0.38 83 Insured Brokered Deposits 0.00 0.18 86 0.00 0.22 87 0.00 0.19 86 0.00 0.23 85 0.00 0.25 86 Loans HFS as a Loans 0.00 0.18 97 0.00 0.21 97 0.00 0.20 97 0.00 0.07 96 0.00 0.03 98 12/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB 11 /431958 ENLOE STATE BANK, THE COOPER TX Allowance Loan Mix-a OCC Charter 0 County: DELTA Analysis Of Credit Allowance and Loan Mix--Page 7 6/10/2019 9:29:07 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2017 12/31/2016 Analysis Ratios BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT kgzsetzmv's'c?? t0 Average 0.07 0.04 75 0.00 0.06 59 0.00 0.11 42 0.00 0.10 36 0.08 0.08 62 to Prior Cred? 0.00 33.55 39 0.00 30.09 40 0.00 38.98 18 40.00 33.11 68 100.00 44.52 83 532:? to Average TOta' 0.03 0.01 78 0.00 0.05 68 0.10 0.14 62 0.03 0.19 43 0.00 0.14 19 31:35?? to Average TOta' 0.03 0.05 72 0.00 0.08 58 0.10 0.20 52 0.03 0.23 37 0.02 0.19 33 ??gi?geries to Average TOta' 0.00 0.04 51 0.00 0.04 50 0.00 0.06 30 0.01 0.05 36 0.02 0.04 57 0.51 1.57 4 0.75 1.57 9 0.50 1.53 4 0.65 1.51 6 0.72 1.49 9 Not HFS knit: A??""ance to ma" 0.51 1.57 4 0.75 1.56 9 0.50 1.53 4 0.65 1.51 7 0.72 1.49 9 egowance to Net 19.75 12.57 76 13.77 5.70 15.03 42 25.86 19.80 74 18.49 Allowance to Nonaccrual (X) 3.78 1.51 3.29 53 3.86 1.51 4.36 45 1.46 4.61 49 0f Net 87.00 22.79 96 20.49 21.44 21.71 67 87.43 26.01 87 27.78 Net Losses by Type of Real Estate Loans 0.00 -0.03 96 0.00 0.00 93 0.00 0.03 77 -0.02 0.02 8 0.00 0.03 78 8? Land 0.00 -0.01 99 0.00 -0.07 99 0.00 -0.05 96 0.00 0.23 96 0.00 -0.03 98 Development 14 Family Construction 0.00 -0.01 98 0.00 -0.08 98 0.00 -0.04 98 0.00 -2.83 98 0.00 0.00 99 Length? 0??Stru?3t'on 8? -0.02 -0.02 0.00 -1.31 -0.08 Secured by Farmland 0.00 ?0.01 99 0.00 ?0.02 99 0.00 -0.06 99 0.00 0.04 98 0.00 ?0.02 98 LJa-?sFamlly Res'dent'a' 0.00 -0.04 97 0.00 -o.04 95 0.00 0.05 80 0.00 0.03 83 0.00 0.06 80 Home Equity Loans 0.00 0.00 0.01 0.00 0.00 1-4 Family 1st Lien Loans 0.00 -0.04 97 0.00 -0.02 95 0.00 0.05 80 0.00 0.03 84 0.00 0.05 80 1-4 Family Jr Lien Loans 0.00 0.00 98 0.00 -0.02 99 0.00 -9.31 96 0.00 0.11 98 0.00 0.35 97 Multifamily Loans 0.00 0.05 0.96 -0.02 0.24 Mgon'Farm Non?ReS'dent'a' 0.00 0.08 98 0.00 0.03 98 0.00 0.02 95 -0.19 0.00 3 0.00 0.07 97 Nonfarm 0.00 0.00 98 0.00 0.00 98 0.00 0.00 96 0.00 0.00 94 0.00 0.05 97 NonreSIdentlal Other N9nfarm 0.00 0.00 99 0.00 0.05 97 0.00 0.50 95 -0.24 0.04 1 0.00 0.08 97 NonreSIdentlal OfFrQiEet?Jans Fore'gn 0.00 0.00 0.00 0.00 0.00 Agricultural Loans 0.00 0.09 97 0.00 -0.02 96 0.12 0.00 93 0.00 0.00 93 0.00 0.00 91 and '?dusma' 0.00 -0.27 95 0.00 -o.02 94 0.15 0.10 84 0.00 0.26 72 0.00 0.14 78 Loans to Individuals 0.33 0.05 83 0.00 0.22 73 0.35 0.39 65 0.83 0.44 75 -0.09 0.40 11 Credit Card Plans 3.98 1.50 3.07 0.79 0.49 Auto Loans 0.00 0.01 90 0.00 0.05 87 6.67 0.13 99 0.00 0.29 70 0.00 0.27 70 332732??th Other 8? 0.00 -0.90 98 0.00 0.02 92 0.00 0.26 87 0.00 0.12 90 0.00 0.52 86 Financial institution Loans 0.00 0.00 0.00 0.00 0.00 0.00 83 Loans to Fore'gn 0.00 0.00 0.00 0.00 0.00 Governments Lease Financing 0.00 0.00 1.41 0.00 0.00 Leases to Individuals 0.00 0.00 0.00 0.00 0.00 All Other Leases 0.00 0.00 0.00 0.00 0.00 Supplemental: comm' 0.00 0.00 0.00 0.00 0.00 Change: Loan Allowance ($000) Beginning Balance 154 181 181 188 162 Gross Credit Losses 2 0 27 9 5 Memo. Loans HFS erte- 0 0 0 0 down Recoveries 0 0 2 6 Net Credit Losses 2 0 27 7 -1 Loan Lease 6 0 0 0 25 Losses Other Adjustments 0 0 0 0 0 Allowance 158 181 154 181 188 13/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution Average TOta' Loans 8? 30,810 24,198 27,569 26,847 24,796 Leases 14/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB 11 /431958 ENLOE STATE BANK, THE COOPER TX Allowance Loan Mix-b OCC Charter 0 County: DELTA Analysis of Credit Allowance and Loan MiX--Page 7A 6/10/2019 9:29:09 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2017 12/31/2016 Gross BANK PG17 PCT BANK PG17 PCT BANK PG17 PCT BANK PG17 PCT BANK PG17 PCT Real Estate Loans 35.43 51.61 23 40.73 51.98 29 37.93 51.29 27 38.76 51.19 30 40.39 51.20 34 8? 0.24 1.44 52 1.08 1.52 60 0.49 1.45 54 0.28 1.33 50 0.40 1.26 51 Development 14 Family Construction 0.24 0.62 64 1.08 0.60 74 0.49 0.57 66 0.28 0.54 64 0.40 0.53 65 Other COW 8? Land 0.00 0.59 66 0.00 0.74 65 0.00 0.66 64 0.00 0.66 61 0.00 0.60 61 Development Secured by Farmland 10.31 16.78 39 11.93 16.35 41 11.01 16.47 40 11.15 16.45 41 11.37 16.22 40 1-4 Family Residential 19.81 20.27 52 23.40 20.22 58 21.95 20.04 58 23.43 20.06 59 24.91 20.57 61 Home Equity Loans 0.00 0.13 79 0.00 0.15 78 0.00 0.13 78 0.00 0.14 76 0.00 0.11 78 1-4 Family 1st Lien Loans 19.74 19.49 54 23.30 19.51 59 21.86 19.32 60 23.34 19.38 62 24.82 19.87 62 1-4 Family Jr Lien Loans 0.08 0.19 63 0.09 0.22 63 0.09 0.20 63 0.09 0.23 61 0.10 0.24 62 Multifamily 0.00 0.34 71 0.00 0.30 73 0.00 0.30 71 0.00 0.28 74 0.00 0.25 73 Non-Farm Non-Residential 5.07 8.45 37 4.32 8.81 30 4.48 8.44 33 3.91 8.68 27 3.71 8.76 28 Owner Non' 2.75 3.96 50 1.05 4.11 38 1.23 3.96 40 0.75 3.91 36 1.10 3.66 39 Farm Non-ReSIdentlal Other. Non'Farm Non' 2.32 3.63 52 3.26 3.72 57 3.24 3.58 59 3.15 3.71 56 2.61 4.03 50 ReSIdentlal Of?gefans Fore'gn 0.00 0.00 0.00 0.00 0.00 Financial Institution Loans 0.00 0.01 98 0.00 0.01 98 0.00 0.02 98 0.00 0.01 97 0.59 0.02 98 Agricultural Loans 32.11 20.94 70 38.53 20.62 78 33.60 21.09 71 40.42 21.19 78 41.43 21.19 80 Eggsnerc'a' 8? '?dusma' 24.26 13.37 86 15.74 13.07 70 21.32 13.17 83 16.49 13.23 70 12.54 12.99 52 Loans to Individuals 8.18 8.85 53 5.00 9.22 34 7.16 9.20 47 4.29 9.42 26 4.98 9.46 29 Credit Card Loans 0.00 0.00 93 0.00 0.00 93 0.00 0.00 94 0.00 0.00 94 0.00 0.00 94 Auto Loans 0.38 3.75 9 0.42 3.82 9 0.37 3.89 8 0.51 3.93 9 0.66 3.97 12 Municipal Loans 0.00 0.25 68 0.00 0.22 71 0.00 0.22 69 0.00 0.24 66 0.00 0.28 62 Non-Depository and Other 0.00 0.09 43 0.01 0.10 41 0.01 0.09 43 0.04 0.10 51 0.07 0.12 60 Loans to Fore'gn 0.00 0.00 0.00 0.00 0.00 99 0.00 0.00 99 Governments Lease Financing Receivables 0.01 0.02 89 0.00 0.02 90 0.00 0.02 88 0.00 0.02 90 0.00 0.02 89 Leases to Individuals 0.00 0.00 0.00 0.00 0.00 All Other Leases 0.00 0.00 0.00 0.00 0.00 Supplemental: $21175: ?nance 00m" 0.00 0.36 95 0.00 0.48 95 0.00 0.00 94 0.00 0.27 95 0.00 0.19 95 52:3: Of?ce Loans 8? 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Memorandum of Avg Tot Loans): 1.38 11.17 10 1.86 11.31 11 1.24 9.65 11 1.11 9.58 12 2.24 9.74 14 Commitments Officer, Shareholder Loans 0.67 1.71 44 1.02 1.73 53 0.71 1.78 42 0.96 1.75 50 0.45 1.87 35 gg?g?gsmreho'dermansm 0.56 0.89 55 0.71 0.88 57 0.57 0.93 54 0.75 0.90 58 0.37 0.97 43 Other Real Estate Owned Assets 8? Land 0.00 0.02 95 0.00 0.01 96 0.00 0.00 94 0.00 0.00 93 0.00 0.00 92 Development Farmland 0.00 0.00 94 0.00 0.03 96 0.00 0.00 93 0.00 0.00 94 0.00 0.00 93 1-4 Family 0.00 0.03 75 0.00 0.04 70 0.05 0.04 73 0.00 0.04 65 0.00 0.05 64 Multifamily 0.00 0.00 99 0.00 0.01 98 0.00 0.00 98 0.00 0.01 97 0.00 0.02 96 Non-Farm Non-Residential 0.00 0.01 85 0.00 0.01 87 0.00 0.01 84 0.09 0.02 87 0.00 0.02 81 Foreclosed GNMA 0.00 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Foreign Offices 0.00 0.00 0.00 0.00 0.00 Subtotal 0.00 0.09 63 0.00 0.09 62 0.05 0.10 63 0.09 0.11 67 0.00 0.12 52 Direct and Indirect 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Total 0.00 0.09 63 0.00 0.09 62 0.05 0.10 62 0.09 0.11 67 0.00 0.12 52 Asset Servicing Assets 0.00 0.00 0.00 0.35 0.00 0.15 98 Rxg?gsage seWiCing 0.00 0.01 0.00 0.01 0.00 0.49 97 Other Financial Assets 0.00 0.00 0.00 0.00 0.00 0.91 98 Total 0.00 0.79 96 0.00 1.23 95 0.00 0.80 95 0.00 1.25 95 0.00 1.55 95 15/38 6/10/2019 FDIC Certificate 10716 OCC Charter 0 Public Report Loan Leases as a of Total Capital Real Estate Loans Construction Development 1-4 Family Construction Other Const Land Development Secured by Farmland 1-4 Family Residential Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans Multifamily Non-Farm Non-Residential Owner Occupied Non- Farm Non-Residential Other Non-Farm Non- Residential RE Loans in Foreign Offices Financial Institution Loans Agricultural Loans Commercial Industrial Loans Loans to Individuals Credit Card Loans Auto Loans Municipal Loans Non-Depository and Other Loans to Foreign Governments Lease Financing Receivables Leases to Individuals All Other Leases Supplemental: Loans to Finance Commercial Real Estate Foreign Office Loans Leases Commercial Real Estate Loans as a of Total Capital: Non-owner OCC Commercial Real Estate Total Commercial Real Estate Commercial Real Estate Loans as a of Total Construction Development Non-owner OCC Commercial Real Estate Total Commercial Real Estate FRB 11 /431958 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution County: DELTA BANK PG 17 310.84 227.13 4.20 6.59 4.20 2.80 0.00 2.73 92.43 72.69 169.96 92.21 0.00 0.61 169.30 88.30 0.65 0.89 0.00 1.69 44.26 36.74 34.78 18.24 9.48 14.95 0.00 0.00 0.07 293.62 80.21 201.16 55.58 70.72 35.47 0.00 0.01 3.15 15.09 0.00 1.00 0.00 0.33 0.00 0.17 0.07 0.00 0.00 0.00 1.19 0.00 0.00 13.67 26.42 48.45 48.36 0.48 1.41 1.56 6.27 5.53 11.ENLOE STATE BANK, THE COOPER TX Analysis of Concentrations of Credit--Page 3/31/2018 BANK PG 17 313.94 229.79 9.25 6.83 9.25 2.70 0.00 3.22 90.87 69.81 178.02 91.13 0.00 0.68 177.31 87.57 0.71 1.01 0.00 1.41 35.80 38.64 11.79 18.68 24.01 15.19 0.00 0.00 0.07 224.19 79.04 132.53 54.95 40.45 36.21 0.00 0.00 2.65 15.43 0.00 0.96 0.09 0.34 0.00 0.00 0.08 0.00 0.00 0.00 1.54 0.00 0.00 33.26 28.27 45.05 51.18 1.30 1.51 4.68 6.60 6.33 11.95 35 12/31/2018 BANK PG 17 320.77 226.94 0.00 6.63 0.00 2.97 0.00 2.73 91.32 71.88 183.35 91.43 0.00 0.45 182.64 87.66 0.71 0.88 0.00 1.32 46.10 35.96 13.78 17.98 32.33 15.69 0.00 0.00 0.07 278.22 84.78 231.79 55.43 75.14 36.80 0.00 0.00 3.56 15.56 0.00 0.95 0.06 0.39 0.00 0.00 0.07 0.00 0.00 0.00 1.21 0.00 0.00 32.33 27.45 46.10 49.39 0.00 1.43 3.57 6.39 5.09 11.BANK PG 17 320.77 233.21 7.61 6.92 7.61 2.60 0.00 3.47 95.08 71.99 186.68 92.07 0.00 0.56 185.95 88.30 0.73 1.10 0.00 1.50 31.40 39.48 4.52 18.46 26.88 16.27 0.00 0.00 0.09 378.96 88.98 112.37 56.66 37.39 38.28 0.00 0.00 3.88 16.07 0.00 0.92 0.00 0.39 0.00 0.00 0.08 0.00 0.00 0.00 1.75 0.00 0.00 34.48 29.22 39.00 52.13 0.90 1.49 4.06 6.60 4.59 11.Concentrations of Credit 6/10/2019 9:29:10 AM 12/31/2016 BANK PG 17 318.49 236.07 3.87 6.26 3.87 2.48 0.00 2.69 86.65 70.86 192.83 94.90 0.00 0.63 192.08 91.13 0.75 1.12 0.00 1.22 35.14 39.93 7.95 17.13 27.19 17.24 0.00 0.00 0.07 335.58 90.50 118.90 57.12 34.14 39.78 0.00 0.00 5.89 16.46 0.00 1.26 1.78 0.39 0.00 0.00 0.00 0.06 0.00 0.00 0.00 0.58 0.00 0.00 31.06 29.26 39.01 51.32 0.48 1.25 3.84 6.46 4.82 11.16/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB 11 /431958 ENLOE STATE BANK, THE COOPER TX PD, Nonacc Rest Loans-a OCC Charter 0 County: DELTA Analysis of Past Due, Nonaccrual Restructured--Page 8 6/10/2019 9:29:10 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2017 0 If); ?ggfurrem by BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT Efg' EState Days 0.00 0.16 73 0.00 0.20 74 0.00 0.14 72 0.00 0.15 74 0.00 0.14 73 -Nonaccrual 0.00 0.61 53 0.90 0.73 68 0.00 0.63 54 0.91 0.75 69 0.63 0.54 68 -Total 0.00 0.94 45 0.90 1.13 60 0.00 0.91 45 0.91 1.07 62 0.63 0.81 59 -30-89 DAYS 2.42 0.89 81 1.09 1.03 65 2.96 0.92 85 0.00 1.11 36 6.10 1.00 96 3661318 Land Demo" Days 0.00 0.00 99 0.00 0.05 98 0.06 0.00 0.44 95 0.00 0.09 97 ?Nonaccrual 0.00 0.02 92 0.00 0.15 88 0.01 0.00 0.11 89 0.00 0.02 93 -Total 0.00 0.02 92 0.00 0.20 87 0.05 0.00 0.30 85 0.00 0.04 91 60-89 DAYS 0.00 0.24 95 0.00 0.03 91 0.08 0.00 0.09 89 0.00 0.09 91 1'4 Fem 0.00 0.00 98 0.00 0.00 98 0.00 0.00 0.37 97 0.00 0.00 98 Days -Nonaccrual 0.00 0.12 96 0.00 0.04 97 0.11 0.00 0.35 96 0.00 1.11 95 -Total 0.00 0.12 96 0.00 0.04 97 0.11 0.00 0.72 95 0.00 1.11 95 ?30-89 DAYS 0.00 0.12 97 0.00 0.70 96 0.00 0.00 1.34 96 0.00 0.36 96 8? Land 0.00 0.07 0.17 0.00 0.13 -Nonaccrual 0.04 0.51 0.03 0.27 0.03 -Total 0.04 0.58 0.13 0.56 0.10 -30-89 DAYS 0.00 0.05 0.12 0.16 0.20 gig/USS by Farm'and'gm 0.00 0.02 91 0.00 0.02 92 0.00 0.91 95 0.00 0.00 94 0.00 0.26 95 ?Nonaccrual 0.00 0.14 89 0.00 0.06 90 0.00 0.17 88 0.00 0.07 91 0.00 0.07 90 -Total 0.00 0.53 82 0.00 0.38 85 0.00 0.31 85 0.00 0.30 86 0.00 0.16 87 ?30-89 DAYS 0.00 0.24 84 0.00 0.42 83 0.00 0.26 84 0.00 0.34 84 0.00 0.23 83 1?4 Family Mtg-90+ Days 0.00 0.17 80 0.00 0.19 78 0.00 0.21 77 0.00 0.13 79 0.00 0.19 77 -Nonaccrual 0.00 0.54 63 1.59 0.74 76 0.00 0.56 64 1.57 0.80 75 0.00 0.63 65 -Total 0.00 0.95 54 1.59 1.23 68 0.00 1.01 54 1.57 1.16 69 0.00 1.09 54 ?30-89 DAYS 3.89 0.97 89 1.92 1.16 72 4.64 0.93 91 0.00 1.49 42 9.12 1.33 95 32313653?), Loans 0.04 0.00 0.00 0.00 1.85 -Nonaccrual 0.02 0.06 0.02 0.00 0.00 -Total 0.06 0.06 0.02 0.05 0.04 3089 DAYS 0.00 0.11 0.01 0.00 0.11 DijaPr/lgy Lie? ?590+ 0.00 0.16 80 0.00 0.20 78 0.00 0.22 77 0.00 0.12 80 0.00 0.18 77 ?Nonaccrual 0.00 0.54 63 1.60 0.72 77 0.00 0.56 65 1.58 0.78 75 0.00 0.65 65 -Total 0.00 0.90 55 1.60 1.22 68 0.00 1.00 54 1.58 1.14 69 0.00 1.10 54 ?30-89 DAYS 3.90 1.01 88 1.93 1.15 72 4.66 0.96 90 0.00 1.52 42 9.16 1.34 95 Jr Lie? ?990+ 0.00 0.73 95 0.00 0.20 97 0.00 0.17 96 0.00 0.00 99 0.00 0.46 96 -Nonaccrual 0.00 0.49 86 0.00 0.32 88 0.00 0.56 87 0.00 0.41 88 0.00 0.27 90 -Total 0.00 1.05 84 0.00 0.44 87 0.00 0.74 86 0.00 0.41 88 0.00 0.36 89 -30-89 DAYS 0.00 0.26 90 0.00 0.29 91 0.00 0.20 92 0.00 0.09 92 0.00 0.00 94 Loans?90+ Days 0.00 0.96 0.00 0.00 1.67 -Nonaccrual 2.62 0.00 0.00 1.82 1.67 ?Total 2.62 1 .00 0.00 1.82 3.33 6089 DAYS 0.25 0.00 0.28 0.34 0.20 3233/3" Non'ReS 0.00 0.14 96 0.00 0.00 94 0.00 0.00 93 0.00 0.27 95 0.00 0.25 95 -Nonaccrual 0.00 0.55 82 0.00 0.43 83 0.00 0.43 82 0.00 0.32 84 5.68 0.30 93 -Total 0.00 0.65 80 0.00 0.72 79 0.00 0.62 79 0.00 0.45 82 5.68 0.41 92 ?30-89 DAYS 2.05 0.39 88 0.00 0.29 80 2.12 0.27 88 0.00 0.54 76 5.24 0.42 91 Own OCC Non-Farm Non- Res_90+ Days PM 0.00 0.12 95 0.00 0.21 96 0.00 0.00 93 0.00 0.12 97 0.00 0.36 95 -Nonaccrual 0.00 0.49 83 0.00 0.43 84 0.00 0.53 82 0.00 0.26 87 25.10 0.46 98 -Total 0.00 0.53 81 0.00 0.53 82 0.00 0.75 78 0.00 0.35 85 25.10 0.69 98 -30-89 DAYS 0.00 0.25 84 0.00 0.22 84 0.00 0.25 82 0.00 0.42 84 0.00 0.55 83 Sg?elgg?g?F/Srm Non'ReS' 0.00 0.09 97 0.00 0.00 94 0.00 0.14 96 0.00 0.33 96 0.00 0.04 97 ?Nonaccrual 0.00 0.27 89 0.00 0.31 87 0.00 0.15 90 0.00 0.22 88 0.00 0.09 89 -Total 0.00 0.34 88 0.00 0.72 84 0.00 0.23 88 0.00 0.33 86 0.00 0.12 88 ?30-89 DAYS 9.58 0.27 95 0.00 0.19 87 3.02 0.06 94 0.00 0.47 79 6.77 0.20 94 SELSSQ SfD?eig? Of?ces" 0.00 0.00 0.00 0.00 0.00 -Nonaccrual 0.00 0.00 0.00 0.00 0.00 17/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution -Total 0.00 0.00 0.00 -30-89 DAYS 0.00 MA 0.00 MA 0.00 Supplemental: w: 00?? Days 7.63 0.00 0.00 -Nonaccrual 4.66 0.00 4.71 -Total 12.29 0.00 4.71 -30-89 DAYS 0.21 12.50 6.40 Non-Current ($000) 90 Days and Over Past Due 0 0 0 Total Nonaccrual 0 0 129 Total Non-Current 0 0 129 30-89 Days Past 333 368 768 Due 90+ Days 0 0 0 on Nonaccrual 0 0 0 30-89 Days 0 0 Restructured 90+ 0 0 0 Days Restructured 0 0 0 Nonaccrual Restructured 30-89 0 0 0 Days Current 1-4 Family Restru 0 0 0 Current Other Restructured 0 0 0 Loans Secured 1-4 RE in 0 0 0 Foreclosure Other Real Estate Owned 0 0 0 18/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB 11 /431958 ENLOE STATE BANK, THE COOPER TX PD, NonaCC Rest Loans-b OCC Charter 0 County: DELTA Analysis of Past Due, Nonaccrual Restructured--Page 8A 6/10/2019 9:29:12 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2017 12/31/2016 0 0f Non'Current by BANK PG 17 PCT BANK PG PCT BANK PG PCT BANK PG 17 PCT BANK PG 17 PCT Loan Type 17 17 E'gjsr?gfyn?'tmm? ?3'90" 0.00 0.00 0.00 0.00 0.00 -Nonaccrual 0.00 0.00 0.00 0.00 0.00 -Total 0.00 0.00 0.00 0.00 0.00 3039 DAYS 0.00 0.00 0.00 0.00 0.00 ngm' 8? '?dUSt Days 0.00 0.19 80 0.00 0.11 85 0.00 0.13 84 0.00 0.05 88 0.00 0.08 83 ?Nonaccrual 0.00 0.62 70 0.38 0.50 72 0.00 0.50 71 0.46 0.49 74 1.52 0.58 80 -Total 0.00 1.09 60 0.38 0.85 66 0.00 0.99 63 0.46 0.87 69 1.52 0.90 76 30-89 DAYS 0.00 0.80 58 0.00 1.16 55 0.00 0.66 60 0.00 0.94 61 0.00 0.95 54 ??gcu'tura' Days 0.00 0.01 91 0.00 0.09 96 0.00 0.00 94 0.00 0.00 94 0.00 0.04 95 ?Nonaccrual 0.00 0.12 86 0.00 0.07 86 0.00 0.10 84 0.00 0.05 88 0.00 0.01 91 -Total 0.00 0.16 83 0.00 0.11 85 0.00 0.12 83 0.00 0.08 85 0.00 0.04 88 30-89 DAYS 0.00 0.19 75 0.00 0.12 84 0.00 0.15 79 0.00 0.04 85 0.00 0.09 85 0.00 0.17 66 0.00 0.19 68 0.00 0.24 67 0.00 0.19 71 0.00 0.25 64 -Nonaccrua 0.00 0.24 68 0.51 0.33 74 0.00 0.26 65 0.57 0.31 78 0.64 0.22 82 -Total 0.00 0.56 49 0.51 0.71 62 0.00 0.65 48 0.57 0.64 66 0.64 0.66 68 30-89 DAYS 1.44 1.25 61 2.18 1.29 73 0.00 1.36 32 6.78 1.68 95 13.24 1.72 98 card P'ans'90+ Days 0.17 0.39 0.55 0.74 0.32 ?Nonaccrual 0.23 0.22 0.29 0.10 0.00 -Total 0.40 0.61 0.84 0.83 0.32 3039 DAYS 1.24 0.77 2.15 0.72 1.09 Auto Loans 0.00 0.14 80 0.00 0.16 79 0.00 0.18 80 0.00 0.11 83 0.00 0.26 78 -Nonaccrual 0.00 0.22 76 7.78 0.20 97 0.00 0.22 75 5.51 0.25 96 3.70 0.14 96 -Total 0.00 0.54 65 7.78 0.58 96 0.00 0.63 62 5.51 0.53 96 3.70 0.57 90 30-89 DAYS 32.43 1.26 99 33.33 1.20 99 0.00 1.49 44 65.35 1.87 99 72.49 1.64 99 Nonideposnoryt Other and 0.24 0.00 0.01 92 0.00 0.02 92 0.02 0.00 0.00 94 Mum-90+ Days -Nonaccrual 0.87 0.00 7.13 95 0.00 0.01 94 0.18 0.00 0.89 91 -Total 7.52 0.00 0.23 90 0.00 1.89 87 0.99 0.00 2.52 88 30-89 DAYS 12.77 7866.67 9.24 99 2400.00 9.89 98 4.35 0.00 2.01 79 $339 Fina??i?9?90+ Days 0.00 0.00 95 0.00 0.00 0.00 0.00 ?Nonaccrual 0.00 0.00 91 0.00 0.00 0.01 0.00 -Total 0.00 0.00 91 0.00 0.00 0.01 0.00 30-89 DAYS 0.00 0.00 91 0.07 0.00 0.00 0.00 5:33:33 '?diVidua'S'90+ 0.00 0.00 0.00 0.00 0.00 -Nonaccrual 0.00 0.00 0.00 0.00 0.00 -Total 0.00 0.00 0.00 0.00 0.00 -30-89 DAYS 0.00 0.00 0.00 0.00 0.00 ?l'DOther Leases?90+ Days 0.00 0.00 0.00 0.00 0.00 ?Nonaccrual 0.00 0.00 0.00 0.00 0.00 -Total 0.00 0.00 0.00 0.00 0.00 3039 DAYS 0.00 0.00 0.00 0.00 0.00 332' Days Pas? 0.00 0.24 44 0.00 0.23 55 0.00 0.23 49 0.00 0.18 51 0.00 0.20 52 ?Nonaccrual 0.00 0.67 38 0.50 0.74 59 0.00 0.66 38 0.43 0.72 59 0.50 0.56 57 -Total 0.00 1.06 23 0.50 1.11 48 0.00 1.02 26 0.43 1.03 46 0.50 0.86 47 30-89 DAYS 1.08 1.04 61 1.58 1.15 68 1.20 1.00 64 0.32 1.13 34 2.96 1.12 86 Other Pertinent Ratios: ?was 0.00 73.46 23 66.30 77.82 57 0.00 74.31 26 66.30 74.49 61 68.62 63.41 60 -Equity Capital 0.00 4.31 23 3.73 4.94 56 0.00 4.37 26 3.88 4.70 58 4.27 4.03 61 1.08 2.23 40 2.08 2.40 53 1.20 2.15 41 0.75 2.31 34 3.46 2.08 75 Nonaccrual Non Curr to 0.00 1.34 20 0.50 1.38 42 0.00 1.30 23 0.43 1.28 41 0.50 1.15 40 ReStrUCt Debt/Gr 0.00 0.01 88 0.00 0.01 88 0.00 0.01 88 0.00 0.01 89 0.00 0.01 90 E?glgon?cu" ReStht/GR 0.00 0.16 74 0.00 0.21 70 0.00 0.16 74 0.00 0.19 71 0.00 0.22 73 Current Restruct 0.00 0.12 79 0.00 0.14 75 0.00 0.13 77 0.00 0.14 76 0.00 0.15 76 19/38 6/10/2019 Loans Sec 1-4 Fam RE in Forclosure as Total Loans Sec 1-4 Fam RE 90+ 90+ Nonaccrual Nonaccrual 30-89 30-89 0.00 0.00 0.08 0.91 0.09 0.99 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution 95 97 0.00 0.00 0.00 0.00 1 .54 0.40 1 .42 94 92 96 0.00 0.00 0.05 1.18 0.60 0.55 96 98 0.00 0.00 0.00 0.02 2.31 3.06 0.50 97 95 98 0.00 0.00 0.00 0.00 0.38 2.20 0.88 94 96 98 20/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB 11 /431958 ENLOE STATE BANK, THE COOPER TX Interest Rate Risk OCC Charter 0 County: DELTA Interest Rate Risk Analysis as a Percent Of Assets-Page 9 6/10/2019 9:29:14 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2017 12/31/2016 Long Assets Insts w/Options BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT migage mans 8? Pass 16.24 13.60 66 16.87 13.76 64 16.90 13.68 67 17.05 13.70 64 19.64 13.94 68 YeLa?ins 8? securities over 15 2.22 1.40 74 2.41 1.39 75 2.26 1.43 74 2.44 1.30 76 2.64 1.34 77 YeLaiEsms 8? securities 5'15 9.18 3.33 84 8.41 3.50 80 8.89 3.46 83 8.51 3.57 82 8.82 3.61 82 Other Loans and Securities 73.30 60.43 73 57.20 59.82 42 72.38 61.17 72 67.42 60.62 65 69.00 60.63 67 YeLac?rzns8?securitiesover15 4.73 1.48 85 4.85 1.60 84 4.97 1.48 87 4.90 1.50 86 5.02 1.56 84 YeLa?znwsecurme?'? 5.77 8.55 42 4.89 9.84 33 4.85 9.18 36 4.27 10.18 28 3.53 10.45 23 6.95 3.19 79 7.26 3.28 80 7.22 3.26 80 7.33 3.08 80 7.66 3.17 81 Total 0.00 0.54 76 0.00 0.51 74 0.00 0.55 75 0.00 0.50 75 0.00 0.42 76 Avg Life Over 3 Years 0.00 0.37 77 0.00 0.36 76 0.00 0.41 76 0.00 0.35 78 0.00 0.29 80 Structured Notes 0.00 0.06 88 0.00 0.07 87 0.00 0.09 87 0.00 0.06 87 0.00 0.04 89 Mortgage Servicing (FV) 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 0.00 0.00 98 Total 0.00 0.07 87 0.00 0.07 87 0.00 0.09 86 0.00 0.06 87 0.00 0.04 88 Overall Risk Indicators Available for Sale 0.00 14.49 23 0.00 15.47 21 0.00 14.85 21 0.00 15.31 21 0.00 15.16 21 Held tO Maturity 5.44 2.82 79 5.68 2.89 79 5.47 2.92 80 5.70 2.74 80 6.39 3.07 79 Off Balance Sheet 1.15 6.64 12 1.28 6.60 14 0.99 5.90 13 0.86 5.75 13 1.85 5.90 23 unrea'izeg . . -0.03 -0.01 12 -0.06 -0.03 18 0.00 -0.02 91 0.00 -0.01 20 -0.01 -0.01 17 AppreClatlon/DepreCIatlon . . 82:32? App/Bap A T'er -O.36 -0.05 11 -0.65 -0.22 16 0.00 -0.18 91 -0.03 -0.07 19 -0.13 -0.06 16 Contractual Mat/Reprice Data Loans/Securities Over3Year 26.73 33.14 36 25.39 34.89 28 31.65 34.29 47 24.10 35.16 26 25.12 35.55 25 Liabilities Over 3 Year 2.60 1.65 71 3.25 1.69 78 3.02 1.54 77 2.68 1.56 76 3.55 1.66 80 Net Over 3 Year Position 24.12 31.08 36 22.14 32.40 28 28.63 32.24 44 21.42 32.86 25 21.57 33.25 23 Loans/Securities Over 1 Year 35.75 50.64 20 30.18 52.25 14 46.67 51.63 32 29.88 52.10 15 33.01 52.62 14 Liabilities Over 1 Year 8.96 7.80 63 7.95 7.37 61 8.75 7.52 63 6.82 7.07 54 10.90 7.51 73 Net Over 1 Year Position 26.80 41.95 21 22.23 43.66 13 37.93 43.16 36 23.06 43.97 14 22.11 44.28 12 Non-Maturity Deposits 44.45 58.69 12 43.38 59.26 10 41.38 58.69 8 46.16 58.97 13 52.41 57.45 33 0 ?gg?'t?gatur'ty Deps Long 166.30 215.50 47 170.89 204.36 50 130.75 205.80 30 191.57 201.48 60 208.63 190.37 68 Net Over 3 Year Position -17.72 -25.12 65 -18.00 -23.89 62 -9.73 -23.94 72 -22.07 -23.36 53 -27.29 -21.29 41 As Tier 1 Capital Structured Notes 0.00 0.51 88 0.00 0.50 87 0.00 0.74 87 0.00 0.43 87 0.00 0.29 89 Mortgage Servicing (FV) 0.00 0.01 98 0.00 0.01 98 0.00 0.01 98 0.00 0.01 98 0.00 0.01 98 Total 0.00 0.52 87 0.00 0.51 87 0.00 0.75 86 0.00 0.44 87 0.00 0.30 88 21/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB 11 /431958 ENLOE STATE BANK, THE COOPER TX Liquidity Funding OCC Charter 0 County: DELTA Liquidity Funding--Page 10 6/10/2019 9:29:14 AM Public Report 3/31/2019 3/31/2018 12/31/2018 12/31/2017 12/31/2016 Percent of Total Deposits BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT and 90.88 87.56 60 90.44 87.77 57 92.29 87.82 84 88.95 87.78 47 88.62 87.99 44 goi'iSCd/ts States 8? PO'itica' 9.12 11.82 42 9.56 11.48 45 7.71 11.57 36 11.05 11.42 56 11.38 11.08 60 ?gfm'gasnks 8? Other Dep 0.00 0.14 82 0.00 0.20 83 0.00 0.12 83 0.00 0.21 82 0.00 0.30 80 Banks in Foreign Countries 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 mfg? G?Vts and 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Total deposits 100.00 100.00 95 100.00 100.00 96 100.00 100.00 96 100.00 100.00 97 100.00 100.00 96 Domestic Demand Deposits 18.39 24.13 29 20.46 23.94 40 19.76 25.29 29 23.60 24.98 50 22.13 23.27 48 223?? Other TransaCt'O? 13.44 15.85 40 14.01 15.55 40 12.32 15.38 37 16.20 15.25 50 15.68 15.46 48 2323:? 68.16 57.95 80 65.53 58.27 71 67.92 57.36 82 60.20 57.64 56 62.19 59.06 59 Total Domestic Deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 Deposits in Foreign Offices 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Total Deposits 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 Liquidity/Funding Ratios $5810?? core Fund Dep 7.03 -23.80 89 -11.86 -23.22 58 9.31 -19.56 89 8.95 -19.01 86 0.71 -18.21 78 Core Deposits 80.97 80.60 45 81.26 81.36 40 79.33 80.62 32 76.14 81.10 24 85.52 81.80 68 core 9.54 3.68 85 9.24 3.69 84 11.57 3.94 91 14.91 3.93 94 4.74 3.02 71 S.T to SI Ncore Fund 34.31 637.45 5 194.91 667.64 34 28.50 568.15 7 49.44 563.21 15 86.68 685.04 18 S.T. Asset to SI Liabilities 99.00 245.88 17 143.54 230.16 34 99.16 230.11 20 147.76 210.46 43 197.97 191.60 61 Net S.T. Liabilities to Assets 0.37 -18.87 82 -17.05 -17.18 48 0.34 -17.04 81 -18.19 -15.23 40 -28.40 -13.81 24 8? Leases to 98.35 64.46 94 80.44 81.88 77 99.09 64.97 95 98.64 63.45 93 90.93 83.29 86 Net to Core Deposits 103.33 88.55 91 83.94 85.86 75 105.11 69.07 92 103.22 67.11 89 95.98 68.70 84 32kg?? Mat 1 Yr t0 23.90 34.47 25.03 37.02 31.40 to 0.00 0.35 85 0.00 0.36 88 0.00 0.38 84 0.00 0.38 86 0.00 0.40 85 Dep to 0.00 0.04 92 0.00 0.06 93 0.00 0.02 93 0.00 0.15 91 0.00 0.04 92 and to 0.00 0.84 81 0.00 0.73 82 0.00 0.65 81 0.00 0.89 81 0.00 0.88 82 sec FFP to T?t 30" 0.00 3.10 75 0.00 3.28 83 0.00 4.42 78 0.00 4.92 81 1.53 Egg?) Dep to To? 0.00 0.00 2.10 0.00 0.00 Total Deposits 'Cngp?'d? ParmerSh'pst and 28,405 26,936 28,337 24,915 25,099 U.S. Govt, States Political U.S. Comml Banks Other Dep 0 0 0 0 0 Inst. in U.S. Banks in Foreign Countries 0 0 0 0 0 Foreign Govts and Official 0 0 0 0 0 Inst. Total Deposits 31,254 29,784 30,703 28,011 28,323 Domestic Demand Deposits 5,749 6,093 6,067 6,611 6,269 Domestic Other Transaction NontransaCt'O? 21,303 19,518 20,853 16,882 17,614 Total Domestic Deposits 31 ,254 29,784 30,703 28,011 28,323 Deposits in Foreign Offices Total Deposits 31,254 29,784 30,703 28,011 28,323 Other Liquidity/Funding Data Non Core Liabilities 3,506 3,244 4,221 5,243 1,486 E??cgtiggerm Gore 3,508 3,244 4,221 5,243 1,486 core Deposits 29,748 28,540 28,945 26,768 28,837 T'me Deps 8? under 10,127 10,510 10,658 8,144 6,970 Mat 1 Yr T'me Deps 8? under 3,290 2,792 3,191 2,396 3,421 Mat 1 Yr ii$e Deps over Mat Time Deps over Mat Fed Home Loan Bor Mat 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution Fed Home Loan Bor Mat 1 Yr Other Borrowing Mat 1 Year Other Borrowing Mat 1 Year Secured Other Borrowings Federal Funds Purchased Secured Fed Funds Purchased Listing Service Deposits Brokered Deposits Reciprocal Brokered Deposits 000 0000 0 000 0 GOOD 0 23/38 6/10/2019 FDIC Certificate 10716 OCC Charter 0 Public Report Percent of Total Assets Short Term Investments Marketable Equity Sec (MES) Net SBLC to Assets Pledged Assets Securities Mix Total Securities US Treas Govt Agencies Municipal Securities Pass-Through Backed Secs CMO REMIC Backed Secs Commercial Back Secs Asset Backed Securities Structured Financial Products Other Domestic Debt Secs Foreign Debt Securities Inv Mut Oth Total Liquidity/Securities Ratios: App (Dep) Hi Risk Struc/T1 Cap App (Dep) in AFS sec to AFS Sec App (Dep) in HTM Sec to HTM Sec App (Dep) in HTM Sec to qu Cap Pledged Securities to Tot Sec Pledged Loans to Total Loans Loans Held for Sale to Total Loans Short Term Investments Short Term Assets Debt Securities 90+ Days Total Non-Current Debt Sec Fair Value Structured Notes Pledged Securities Pledged Loans Leases Loans Held for Sale FRB 11 /431958 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution County: DELTA BANK PG 17 PCT 3.27 20.00 4 0.00 0.00 92 83.67 54.81 95 5.44 13.16 38 99.90 36.18 93 0.00 33.80 15 0.10 10.37 49 0.00 1.80 75 0.00 0.16 90 0.00 0.06 98 0.00 0.00 99 0.00 0.91 83 0.00 0.01 99 0.00 0.01 91 100.00 100.00 99 0.00 -0.06 99 -0.34 -0.60 -0.08 24 -O.36 -0.05 11 100.00 37.06 99 0.00 8.06 68 0.00 0.18 97 1,203 13,497 0 0 0 1,999 0 0 ENLOE STATE BANK, THE COOPER TX Liquidity Investment Portfolio--Page 10A 3/31/2018 BANK PG 17 PCT 18.00 19.75 50 0.00 0.00 93 68.21 53.02 77 11.37 13.50 51 99.90 34.20 91 0.00 34.23 16 0.10 10.72 48 0.00 1.81 74 0.00 0.03 92 0.00 0.03 99 0.00 0.00 99 0.00 0.73 84 0.00 0.01 99 0.00 0.00 92 100.00 100.00 99 0.00 -O.13 99 -1.48 -1.05 -0.70 37 -0.65 -0.22 16 100.00 37.02 99 8.29 8.50 71 0.00 0.22 97 6,323 19,742 0 0 0 1,995 2,000 12/31/2018 BANK PG 17 PCT 3.30 18.19 8 0.00 0.00 92 83.38 55.21 97 10.95 13.10 51 100.00 35.40 99 0.00 34.40 13 0.00 10.46 45 0.00 1.89 74 0.00 0.12 89 0.00 0.04 98 0.00 0.00 99 0.00 0.86 83 0.00 0.01 99 0.00 0.00 92 100.00 100.00 99 0.00 -O.11 98 -1.29 0.00 -0.58 78 0.00 -0.18 91 100.00 37.55 99 6.54 7.74 70 0.00 0.18 98 1,203 14,752 0 0 0 1,996 2,000 0 BANK PG 17 PCT 7.37 17.47 24 0.00 0.00 94 78.60 54.03 89 5.70 12.83 36 99.85 31.31 91 0.00 36.42 15 0.15 10.70 51 0.00 1.80 75 0.00 0.05 91 0.00 0.02 99 0.00 0.00 99 0.00 0.74 84 0.00 0.01 99 0.00 0.00 94 100.00 100.00 99 0.00 -0.07 99 -0.54 -0.05 -0.12 51 -0.03 -0.07 20 100.00 37.75 99 0.00 7.39 69 0.00 0.20 97 2,592 19,780 0 0 0 2,003 0 0 Liquidity Inv Portfolio 6/10/2019 9:29:15 AM 12/31/2016 BANK PG 17 PCT 4.10 17.01 12 0.00 0.00 93 82.06 54.07 95 6.39 11.97 38 99.85 30.42 92 0.00 37.08 15 0.15 10.75 51 0.00 1.48 76 0.00 0.01 93 0.00 0.00 99 0.00 0.05 99 0.00 0.77 83 0.00 0.01 98 0.00 0.00 93 100.00 100.00 99 0.00 -0.11 98 -0.56 -0.20 -0.08 40 -0.13 -0.06 16 100.00 37.04 99 0.00 6.31 70 0.00 0.05 98 1,288 16,740 0 0 0 2,005 0 0 24/38 6/10/2019 FDIC Certificate 10716 OCC Charter 0 Public Report Capital Ratios Percent of Bank Equity: Net Loans Leases Subord Notes Debentures Com RE Related Ventures Percent of Average Bank Equity: Net Income Dividends Retained Earnings Other Capital Ratios: Dividends to Net Operating Income Bank Eq Cap Min Int to Assets Growth Rates: Total Equity Capital Equity Growth Less Asst Growth Intang Assets Bank Equity Mortgage Servicing Rights Goodwill Purch Credit Card Relations All Other Intangibles Total Intangibles Tier One Leverage Capital Standardized Capital Ratios (all banks) Com Equity Tier1 Cap Ratio Tier One Capital Ratio Total Capital Ratio Adv App Cap Ratios (exit parallel run) Com Equity Tier1 Cap Ratio Tier1 Capital Ratio Total Capital Ratio End of Period Capital ($000) Perpetual Preferred Common Stock Surplus Retained Earnings Accum Other Comp Income Other Equity Capital Comp Total Bank Equity Capital Minority Interest Cons Subs Total Bank Capital Min Int Subordinated Notes Debentures Changes in Bank Equity ($000) Balance at Beginning of Period Net Income Sales or Purchase of Capital Merger Absorptions Restate due to Acctg Error&Chg Trans with Parent - Dividends Other Comprehensive Income FRB 11 /431958 County: DELTA PG BANK 17 PCT 9.13 4.40 97 0.00 0.00 99 50.73 49.28 64 17.61 7.63 94 0.00 3.17 63 17.61 3.44 98 0.00 35.42 61 9.16 12.81 10 4.79 5.43 44 0.19 5.44 16 0.00 0.01 98 0.00 0.37 89 0.00 0.00 0.00 0.45 88 9.2272 12.66 10 11.0047 22.50 2 11.0047 22.53 1 11.5211 23.62 0 0.00 0.00 0.00 0 200 2,250 917 0 0 3,367 0 3,367 0 3,221 145 0 0 0 0 0 0 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution ENLOE STATE BANK, THE COOPER TX Capital Analysis--Page 11 3/31/2018 12/31/2018 PG PG BANK 17 PCT BANK 17 PCT 7.46 4.51 91 9.45 4.54 98 0.00 0.00 99 0.00 0.00 99 47.59 53.57 58 48.31 51.45 61 15.22 7.02 92 13.02 6.76 90 0.00 2.90 62 9.12 3.06 89 15.22 3.01 96 3.89 3.21 61 0.00 35.92 59 70.09 40.56 73 9.15 12.18 17 8.83 12.55 9 1.97 1.11 59 4.14 2.36 70 -10.23 0.18 6 0.35 2.33 36 0.00 0.01 98 0.00 0.01 98 0.00 0.37 89 0.00 0.37 88 0.00 0.00 99 0.00 0.00 0.08 95 0.00 0.00 0.44 88 0.00 0.47 88 9.1276 12.29 14 9.0932 12.65 8 13.3066 22.46 10.7632 22.34 1 13.3066 22.48 9 10.7632 22.37 1 14.0562 23.58 8 11.2778 23.46 1 0.00 0.00 0.00 0.00 0.00 0.00 0 200 200 2,250 2,250 763 771 0 0 0 0 3,213 3,221 0 0 3,213 3,221 0 0 3,093 3,093 120 428 Capital Analysis-a 6/10/2019 9:29:16 AM 12/31/2017 PG BANK 17 PCT 8.93 4.63 94 0.00 0.00 99 41.29 53.96 54 12.65 6.12 90 10.33 3.05 92 2.32 2.52 45 81.68 43.83 81 8.80 12.15 11 2.45 3.09 44 -9.57 1.61 7 0.00 0.01 98 0.00 0.36 89 0.00 0.02 99 0.00 0.15 95 0.00 0.45 88 8.8691 12.07 12 11.4395 21.41 5 11.4395 21.44 4 12.1089 22.50 3 0.00 0.00 0.00 0 200 2,250 643 0 3,093 0 3,093 0 3,019 404 0 0 330 0 12I31I2016 PG BANK 17 PCT 8.53 4.67 94 0.00 0.00 99 41.44 52.78 53 12.54 6.51 88 10.26 3.18 91 2.28 2.81 44 81.84 42.49 81 9.62 11.93 23 2.41 1.22 63 0.55 0.91 47 0.00 0.01 98 0.00 0.37 89 0.00 0.00 99 0.00 0.00 94 0.00 0.46 88 9.5644 11.82 23 12.3224 20.67 12.3224 20.69 8 13.0898 21.76 6 0.00 0.00 0.00 0 200 2,250 569 0 0 3,019 0 3,019 0 2,948 391 0 0 0 0 320 0 25/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution _Balance at End of 3,366 3,221 3019 Period Intangible Assets Mortgage Servicing Rights 0 0 Purch Credit Card 0 Relations. Other Intangibles 0 Goodwill 0 0 0 Total Intangibles 0 0 Total Assets for Leverage Ratio: Average Total Consolidated Assets 36?490 35'422 31?565 Less: Ded from CET1 Cap 0 0 0 add T1 Less: Other Deductions 0 Ra'l'ggal Assets for Leverage 36,490 35,422 31,565 26/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Capital Analysis-b OCC Charter 0 County: DELTA Capital Analysis--Page 11A 6/10/2019 9:29:17 AM Public Report 3/31/2019 12I31I2016 Capital Analysis ($000) Common Equity Tier 1 Capital: ($000) Common Stock Plus Related 2450 Surplus Retained Earnings 917 Accum Other Comprehensive 0 Inc (AOCI) Common Equity T1 Minority 0 Interest Common Equity T1 Cap Before Adj/Ded 3367 2,450 771 2,450 569 3,221 3,019 Common Equity Tier 1 Capital: Adj/Ded Less: Goodwill Less: Intangible Assets Less: DTA (NOL Tax Credit Only) AOCl-Related Adjustments- Opt Out AOCI-Related Adjustments- A No Opt Out Oth Ded (add) CET1 bef 0 threshold ded Less: Non-significant 0 Investments Subtotal before Threshold Limits Less: Sig Inv, MSAs, DTA 0 10% Limit Less: Sig Inv, MSAs, DTA 0 15% Limit Less: Ded due to insuff T1 0 and T2 Cap Total Adj and Ded for CET1 0 Capital Common Equity Tier 1 Capital 3,367 OO OO OO 3,221 3,019 Additional Tier 1 Capital: Additional T1C Inst Related Surplus Non-qualifying Cap Inst sub to phaseout Tier 1 Minority Int Not Incl in CET1 Cap Additional T1 Cap Before Deductions Less: Additional T1 Cap Deductions Additional Tier 1 Capital 000000 000000 000000 Tier 1 Capital 3,367 3,221 3,019 Tier 2 Capital: T2 Cap Instruments 0 Related Surplus Non-qualifying Capital 0 Instruments Tot Cap Min Int Not Incl in 0 T1 Cap in Tier 2 Capital 158 Exited Adv App Eligible Cr Reserves Unrealized Gains on AFS 0 Pref Stock Tier 2 Capital Before 158 Deductions Exited Adv App T20 Before A Deductions Less: Tier 2 Capital 0 Deductions 1 54 188 154 188 Tier 2 Capital - Standardized 158 Approaches Tier 2 Capital - Advanced Approaches Total Capital - Standardized 31525 Approaches Total Capital - Advanced Approaches 154 188 3,375 3,207 27/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Capital Analysis-c OCC Charter 0 County: DELTA Capital Analysis--Page 113 6/10/2019 9:29:18 AM Public Report 3/31/2019 12I31I2018 12I31I2016 Risk Weighted Assets On BS Assets and Securitization Exp 2% Category 0 4% Category 0 20% Category 307 50% Category 2,984 100% Category 27,220 150% Category 0 250% Category 300% Category 0 400% Category 0 600% Category 0 1250% Category 0 Other Risk-Weighting App 0 Categories Tot RWA Securitization Exp 0 SSFA Total RWA Securitization Exp 0 Gross-Up On-Balance Sheet Risk Weighted Assets Memo - 0% Category - 2,175 Off Items Subj to Risk Weighting 2% Category 4% Category 10% Category 20% Category 50% Category 100% Category 8 150% Category 625% Category 937.5% Category 1250% Category 1250% Category Securitization Exp Oth Risk-Weighting App Categories Tot RWA Securitization Exp SSFA Total RWA Securitization Exp Gross-Up Tot Deriv, and Oth - Risk Memo - 0% Category - 0 0 00000100000 0 0 00000300000 01 \l 03 Standardized Market Risk 0 Weighted Assets Risk-Weighted Asset Before 30 596 Ded - Excess Allowable 0 Loss - Allocated Transfer Risk 0 Reserve Total Risk Weighted Assets 30,596 29,926 24,500 29,926 24,500 Current Credit Exposure All 0 Derivatives Derivatives Notional Prin Amounts OTC Contracts Total Interest Rate All Other Centrally Clreared Contracts Total Interest Rate All Other COO 28/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Capital Analysis-d OCC Charter 0 County: DELTA Capital Analysis--Page 110 6/10/2019 9:29:19 AM Public Report 3/31/2019 12I31I2016 Risk Based Capital ($000) Tier One Capital Total Equity Capital Adjusted - Ineligible Def Tax Assets 0 0 0 - Ineligible Intangibles 0 0 0 - Cumul Change F.V. Financial Liab Net Tier One 3,367 3,221 3,019 Tier Two Capital +fQualif Debt and Redeem Cumulative Preferred Stock Allowable Loss 158 15 4 188 Allow Unrl Gain qu Sec Other Tier 2 Capital Comp Net Eligible Tier Two 158 154 188 Total RBC Before Deductions Tier One Tier Two 3,525 3,375 3,207 Tier Three Fin Sub Adj - Deductions for Total RBC Total Risk-Based-Capital 3,525 3,375 3,207 Risk-Weighted Assets On-Balance Sheet Category Two - 20% 307 359 444 Category Three - 50% 2,984 3,082 3,080 Category Four - 100% 27,220 26,413 20,860 Total On-Balance Sheet 30,511 29,854 24,384 Memo: Category One - 0% 2,175 2,266 2,331 Off-Balance Sheet Category Two - 20% 0 0 0 Category Three - 50% 0 0 0 Category Four - 100% 85 72 116 Total Off-Balance Sheet 85 72 116 Memo: Category One - 0% 0 0 0 Adjustments to Risk-Wgt Assets Risk-Weighted Asset Before Excess Allowable 0 0 0 Loss AI - Allocated Transfer Risk 0 0 0 Reserve Risk Asset Fin Sub Adj Total Risk-Weighted Assets 30,596 29,926 24,500 29/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Income Statement 1-Qtr-Ann OCC Charter 0 County: DELTA One Quarter Annualized Income Analysis--Page 12 6/10/2019 9:29:19 AM Public Report 3/31/2019 12/31/2018 9/30/2018 6/30/2018 3/31/2018 Earnings and Profitability BANK PG 17 PCT BANK PCT BANK PG 17 PCT BANK PG 17 PCT BANK PG 17 PCT Percent of Average Assets: Interest income (TE) 5.44 4.14 94 5.43 4.16 93 5.54 4.09 95 5.59 3.94 97 4.93 3.79 94 - Interest Expense 1.13 0.53 94 1.15 0.49 96 1.03 0.45 95 0.91 0.40 96 0.97 0.37 97 Net interest income (TE) 4.31 3.60 83 4.28 3.65 81 4.51 3.62 88 4.68 3.52 95 3.97 3.41 79 Noninterest income 0.13 0.40 11 0.16 0.42 18 0.21 0.41 25 0.21 0.42 26 0.18 0.41 18 - Noninterest Expense 2.53 2.83 38 4.13 3.21 84 2.67 2.78 48 2.47 2.76 35 2.25 2.79 27 L?szreosv's'oni Loan 8? Lease 0.07 0.04 75 0.00 0.10 53 0.00 0.07 59 0.00 0.06 59 0.00 0.06 59 credit LOSS 0th 0.00 0.00 0.00 0.00 0.00 (TEf?retaX Operating '?Come 1.84 1.10 85 0.30 0.81 28 2.05 1.18 90 2.42 1.08 95 1.90 0.99 90 SgcRea'ized GainS/Losses 0.00 0.00 94 0.00 -0.02 98 0.00 -0.01 95 0.00 0.00 94 0.00 0.00 97 unrea'ized GainS/ 0.00 0.00 0.00 0.00 0.00 Losses EqUIty Sec Operat'?9 1.84 1.10 84 0.30 0.80 28 2.05 1.17 90 2.42 1.06 95 1.90 0.99 90 Net Operating Income 1.59 0.96 84 -0.08 0.68 17 1.64 1.03 81 2.02 0.93 93 1.36 0.86 78 ln?g?zted Net Operatm 1.63 1.02 81 -0.08 0.69 16 1.57 1.05 79 1.77 0.98 86 1.36 0.91 77 Net inc Attrib Min 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 0.00 0.00 99 Net income Adjusted Sub 1.59 0.88 89 -0.08 0.62 16 1.64 0.93 91 2.02 0.84 95 1.36 0.78 85 Net income 1.59 0.96 84 -0.08 0.68 17 1.64 1.03 81 2.02 0.93 93 1.36 0.86 78 Margin Analysis: 228'ng to Avg Earn 5.80 4.41 94 5.89 4.44 94 5.91 4.36 95 6.16 4.20 97 6.29 4.08 98 gsi?t?gense t0 Avg Ear? 1.20 0.56 94 1.25 0.53 97 1.10 0.47 96 1.00 0.43 96 1.23 0.40 99 2:3; to Avg Earn 4.60 3.83 83 4.64 3.89 84 4.81 3.86 88 5.16 3.76 95 5.06 3.67 96 Loan Lease Analysis: ?0 Average T?ta' 0.03 0.01 78 0.00 0.13 61 0.08 0.10 70 0.30 0.05 86 0.00 0.05 68 coverage 0f Net 87.00 -11.34 98 -4.20 29.50 -6.95 88 9.90 -8.73 74 -10.63 to Net 19.75 -9.88 89 -5.77 6.42 -5.91 73 1.90 -7.01 56 -8.08 Losses (X) Capitalization Gas? DiVidendSto Net 0.00 31.09 64 -4285.71 54.09 0 0.00 11.07 72 0.00 15.62 68 0.00 31.54 63 Income Earns t0 Avg T?ta' 17.23 3.36 98 -36.39 -0.01 1 16.43 6.37 96 20.98 5.00 98 14.94 2.96 96 Yield on or Cost of: Total Loan Leases (TE) 6.28 5.80 73 6.40 5.86 75 6.36 5.77 75 6.81 5.66 88 6.86 5.57 88 Loans in Domestic Offices 6.28 5.80 74 6.40 5.86 75 6.36 5.77 75 6.81 5.66 88 6.86 5.56 88 Real Estate 6.26 5.46 79 5.44 5.55 55 5.38 5.52 49 6.74 5.43 87 5.33 5.30 56 Resi Figured by 1'4 Fam 7.32 5.58 86 5.21 5.66 42 5.97 5.74 65 4.68 5.48 22 5.31 5.52 51 Real Loans sec 5.29 5.41 53 5.74 5.51 61 4.58 5.48 18 12.78 5.33 99 5.34 5.19 60 Commercial Industrial 15.23 6.05 98 5.60 6.06 35 6.99 5.97 80 7.55 5.87 89 8.22 5.79 93 Individual 6.12 7.24 29 6.49 7.43 33 5.94 7.29 25 7.24 7.14 56 7.62 7.04 65 Credit Card 11.17 10.57 12.64 9.23 12.05 Agricultural 6.93 5.69 88 7.90 5.98 90 7.21 5.57 89 8.20 5.04 97 8.04 5.07 97 Loans in Foreign Offices 0.00 0.00 0.00 0.00 0.00 (293' '?VeStment secur't'es 1.60 2.52 3 2.40 2.47 48 2.20 2.38 42 1.00 2.24 5 2.01 2.29 39 (ngg?vesment securities 1.60 2.37 5 2.40 2.29 60 2.20 2.22 51 1.00 2.12 5 2.01 2.15 42 Mg?)Treas 8? Agency 1.60 2.13 14 1.60 2.07 18 2.21 1.85 74 1.00 1.89 6 2.01 1.77 71 ng??jge BaCKed 0.00 2.01 17 0.00 1.92 18 0.00 2.07 12 0.00 1.92 17 0.00 1.88 17 All Other Securities 2.59 2.49 2.53 2.27 2.51 '?tereSt'Bear'ng Bank 1.33 1.92 17 1.00 1.86 15 1.66 1.67 31 0.67 1.61 15 1.33 1.35 31 Balances 30? 8? 2.22 -80.00 2.01 0 1.78 1.46 1.38 Bearing 1.45 0.76 95 1.41 0.71 95 1.39 0.64 96 1.25 0.57 96 1.09 0.53 94 Transaction accounts 0.47 0.22 86 0.51 0.22 88 0.45 0.19 85 0.52 0.17 93 0.51 0.16 92 Other Savings Deposits 0.54 0.38 76 0.39 0.34 64 0.47 0.32 79 0.40 0.28 75 0.40 0.27 78 Time Deposits 1.94 1.28 94 1.97 1.17 96 1.94 1.05 96 1.73 0.96 95 1.54 0.88 95 Foreign Office Deposits 0.00 0.00 0.00 0.00 0.00 30/38 6/10/2019 Federal Funds Purchased Repos Other Borrowed Money Subord Notes Debentures Other Interest Expense All Interest-Bearing Funds Memo: Time Deps Over Memo: Time Deps Over 2.99 2.00 1.51 0.99 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution 1.10 3.23 0.00 1.94 0.79 0.00 1.48 80 50 94 23 10.81 2.80 1 .53 3.55 1.88 4.03 0.00 1.96 0.74 0.00 1.0.00 1 .80 1 .42 0.55 1.91 2.59 0.00 1.71 0.67 0.00 1.26 49 45 96 20 0.00 1.00 1.23 1 .88 0.91 1.27 0.00 1.62 0.60 0.00 1.25 58 36 95 77 2.80 1.28 0.97 0.93 1.44 0.00 1.70 0.55 0.00 1.03 75 97 42 31/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Securitization Asset Sale-a OCC Charter 0 County: DELTA Securitization Asset Sale Activities--Page 13 6/10/2019 9:29:21 AM Public Report 3/31/2019 12/31/2018 12/31/2016 1 Year Securitization Activities 0 0 0 1-4 Family Residential 0 Loans Home Equity Lines 0 Credit Card Receivables 0 Auto Loans 0 Commercial Industrial 0 Loans All Other Loans and Leases 0 Retained Interest-Only Strips 0 1-4 Family Residential 0 Loans Home Equity Lines 0 Credit Card Receivables 0 Auto Loans 0 Commercial Industrial 0 Loans All Other Loans and Leases 0 Retained Credit 0 Enhancements 1-4 Family Residential 0 Loans Home Equity Lines 0 Credit Card Receivables 0 Auto Loans 0 Commercial Industrial 0 Loans All Other Loans and Leases 0 Unused Liquidity 0 Commitments Sellers Interest in Secs 0 Loans Home Equity Lines 0 Credit Card Receivables 0 Commercial Industrial 0 Loans Total Retained Credit 0 IA Exposure Asset Backed Comml Paper Conduits CR Exp Spons by Bank Other Liquid Comm by Bank Other Activity Total Assets Securitization Activities 0.00 0.00 0.00 1-4 Family Residential 0 00 Loans Home Equity Lines 0.00 Credit Card Receivables 0.00 Auto Loans 0.00 Commercial Industrial 0 00 Loans All Other Loans and Leases 0.00 Asset Backed Comml Paper Conduits Cr Exp Spons by Bank Other Liquid Comm by Bank Other Percent of Tot Managed Assets on Balance Sheet Sec Assets 1-4 Family Residential Loans Home Equity Lines 0.00 Credit Card Receivables 0.00 Auto Loans 4.22 Commercial Industrial 14.70 Loans All Other Loans and Leases 57.24 32/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Securitization Asset Sale-b OCC Charter 0 County: DELTA Securitization Asset Sale Activities--Page 13A 6/10/2019 9:29:21 AM Public Report 3/31/2019 12/31/2018 12I31I2016 Tot Securitization Act by Type Retained Int Only Strips 1-4 Family Resndentlal Loans Home Equity Lines Credit Card Receivables Auto Loans CommerCIal Industrial Loans All Other Loans and Leases Retained Credit Enhancement 1-4 Family ReSIdentIal Loans Home Equity Lines Credit Card Receivables Auto Loans Commercnal Industrial Loans All Other Loans and Leases Unused Comm to Provide gills-3:3 Int In Secs LNS Home Equity Lines Credit Card Receivables CommerCIal Industrial Loans Percent of Tier 1 Capital Total Retained Credit A 0.00 Exposure Strips Retained Credit 0.00 Enhancements 30-89 Day PD Securitized Assets Loans Home Equity Lines 0 Credit Card Receivables 0 Auto Loans 0 CommerCIal Industrial 0 Loans All Other Loans and Leases 0 Assets 90+ Days PD Securitized Assets 1-4 Family ReSIdentIal 0 Loans Home Equity Lines 0 Credit Card Receivables 0 Auto Loans 0 CommerCIal Industrial 0 Loans All Other Loans and Leases 0 Total 90+ Days PD Secur 0 Assets Total Past Due Securitized A Assets Net Losses Securitized Assets 1-4 Family ReSIdentIal 0 Loans Home Equity Lines 0 Credit Card Receivables 0 Auto Loans 0 CommerCIal Industrial 0 Loans All Other Loans and Leases 0 Total Net Charge Off A A 0 Secur Asset 33/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FDIC Certificate 10716 FRB District/ID_RSSD 11 /431958 ENLOE STATE BANK, THE COOPER TX Securitization Asset Sale-c OCC Charter 0 County: DELTA Securitization Asset Sale Activities--Page 133 6/10/2019 9:29:22 AM Public Report 3/31/2019 12/31/2018 12I31I2016 30-89 Day PD Securitized Assets 1-4 Family Residential Loans Home Equity Lines Credit Card Receivables Auto Loans Commercial Industrial Loans All Other Loans and Leases Total 30-89 Days PD Secur Asset 90+ Day PD Securitized Assets 1-4 Family Residential Loans Home Equity Lines Credit Card Receivables Auto Loans Commercial Industrial Loans All Other Loans and Leases Total 90+ Day PD Secur Asset Total PD Securitized Asets Net Losses on Securitized Assets% 1-4 Family Residential Loans Home Equity Lines Credit Card Receivables Auto Loans Commercial Industrial Loans All Other Loans and Leases Net Losses on Securitized A A A Assets 30-89 DAY PD managed assets 1-4 Family Residential Loans Home Equity Lines Credit Card Receivables Commercial Industrial Loans All Other Loans and Leases Total 30-89 Day PD Manage Asset 90+ DAY PD MANAGED ASSETS 1-4 Family Residential Loans Home Equity Lines Credit Card Receivables Commercial Industrial Loans All Other Loans and Leases Total 90+ Day PD Manage Asset Total Past Due Managed Assets Net Losses on Managed Assets 1-4 Family Residential Loans Home Equity Lines Credit Card Receivables Commercial Industrial Loans All Other Loans and Leases Net Losses on Managed Assets 34/38 @3983 Waco: - 3n=mo 0:38. 09m 09m 05:15:20: 105 Omnaoma u: 33: 33w 336$ erOm w>zx. 0003mm 000 0:9:9 3: 00::3: 399:: 3962 235:8 35233 3523: 42m: 3::062 339:: >wm9m $3.9m. 09250 $88 $3.08; o$2.95 @008 $3.93 _u9mo:m_ ?cm: 22> 22> 22> 22> 22> 22> 22> wm:9: 00 22> 22> 22> 22> 22> 22> 22> m3c_o 22> 22> 22> 22> 22> 22> 00603.6 3.3m: >6m:o< 22> 22> 22> 22> 22> 22> 22> 22> 263: m, >6m:o< 22> 22> 22> z2> 22> 22> wmmumwg: macsama m, 22> 22> 22> 22> 0.39 22> 22> 22> 22> 22> 22> 22> 3::052 >mm9m 22> 22> 22> 22> 22> m3: 22> 22> 22> 22> 22> 2539 >003 _n9m6: 030mm 22> 22> 22> 22> 22> 22> 22> 2539 039 22:9ng 3 59m. Esau e: $422 :20: 3 52a _u9mo:m_ ?cm: 22> 22> 22> 22> 22> 22> 22> wm:9: 00 22> 22> 22> 22> 22> 22> 22> m3c_o 22> 22> 22> 22> 22> 22> 00.6056 3.3m: >6m:o< 22> 22> 22> 22> 22> 22> 22> 22> 263: m, >6m:o< 22> 22> 22> z2> 22> 22> wmmumwg: maosama m, 22> 22> 22> 22> 0.39 22> 22> 22> 22> 22> 22> 22> 2:359 9 22> 22> 22> 22> 22> m3: 22> 22> 22> 22> 22> 2539 >003 _n9m6: 030mm 22> 22> 22> 22> 22> 22> 22> 2539 039 22> 22> 22> 22> 22> 22> 22> 22> ms: :36: $288 $88 _2 2.83 _2 #0336 $83 _2 _u9mo:m_ ?cm: 22> 22> 22> 22> 22> 22> 22> wm:9: 00 22> 22> 22> 22> 22> 22> 22> m3Eo 22> 22> 22> 22> 22> 22> 00605.6 3.3m: >6m:o< 22> 22> 22> 22> 22> 22> 22> 22> 263: m, >6m:o< 22> 22> 22> z2> 22> 22> wmmumwg: maosama m, 22> 22> 22> 22> 0.39 22> 22> 22> 22> 22> 22> 22> m3: 22> 22> 22> 22> 22> 039 3:68: 9:283 22> 22> 22> 22> 22> 22> 5%me 3293 m3: magma 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> z2> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 3cm? 08:5 22> 22> 22> 22> 22> z2> 22> 22> _:umwmacgmq ea :36: 22> 22> 22> 22> 22> 22> 2539 3::992 _:oo3m - _no_.m6: 22> 22> 22> 22> 22> 22> Wwomm 3::052 _:oo3m o\o 20:3: 22> 22> 383m 2.. 3:8me :04 mm; :04 _u9mo:m_ ?cm: 22> 22> 22> 22> 22> 22> 22> wm:9: 00 22> 22> 22> 22> 22> 22> 22> _wm:338331358: 22> 22> 22> 22> 22> 22> 22> 00605.6 3.3m: >6m:o< 22> 22> 22> 22> 22> 22> 22> 22> 263: m, >6m:o< 22> 22> 22> z2> 22> 22> 0.39 22> 22> 22> 22> 22> 22> 22> 22> 40$: 22> 22> 22> 22> 22> 22> 22> 22> m3: mm?mxmm26 22> 22> 22> 22> 22> 22> 22> 2639 _:oo3m m9m6: 22> 22> 22> 22> 22> 3m: 35: 988 0905. gogam 383 $42: $89 $42: 0033:: 22> 22> 22> 22> 22> z2> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> m:oox\wo:: 22> 22> 22> 22> 22> 22> 22> 22> memgm mo:: 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> mg: 251$: 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 3.3m59m. :3 $422 $03sz 3 52a 0038:: 22> 22> 22> 22> 22> 22> 22> 3::052 wm2_omm-m @3608 wnmwumw o$2.90 22> 22> 22> 22> 22> 22> 22> 22> $0356: 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> $0356: 22> 22> 22> 22> $0356: ?2?:ch $03.35 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> $0323 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> 22> a: 9N3 563303.563. mac? m?ooEwoza Ema moan 225.06% mega man 4.2323033 :9me 4.9m. ism" mcsam tam: 08% 0326:02qu 33ng m. mgm?mq Mmgomm? U23 Waco: - _u_n=m0 095m. Um?m mmvomzo?d _ucc__o Um?m 05355.0: ?mmq 2:339 wam 6/10/2019 FDIC Certificate 10716 OCC Charter 0 County: DELTA Public Report Gross Fiduciary Losses - Managed ($000) Personal Trust and Agency EB Retirement Related Trust Agency nv nv Advisory Agency Other Fiduciary Total Gross Managed Losses Gross Fiduciary Losses - Non Managed Personal Trust and Agency EB Retirement Related Trust Agency nv nv Advisory Agency Other Fiduciary Total Gross Non Managed Losses Net Fiduciary Losses - ALL Personal Trust and Agency EB Retirement Related Trust Agency nv nv Advisory Agency Other Fiduciary Total Net Losses Corporate Trust and Agency ($000) Corporate and Muni Trusteeships Issues in Default All Other Corporate Managed Assets in Fiduciary Accts ($000) Noninterest-Bearing Deposits Interest-Bearing Deposits U.S. Treasury Agency State, County Municipal Money Market Mutual Funds Equity Mutual Funds Other Mutual Funds Common Collective Funds Other Short-Term Obligations Other Notes and Bonds Unregistered Funds Private Equity Other Common Preferred Stocks Real Estate Mortgages Real Estate Miscellaneous Assets Total Managed Assets Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution FRB 11 /431958 %Rev %Change %Total %Change Peer Group Descriptions for Fiduciary Related Services: Peer Number PCT ENLOE STATE BANK, THE COOPER TX Fiduciary Related Services--Page 1A ($000) NHA NAA ($000) NAA NAA NHK ($000) 12I31I2018 %Rev %Change %Total %Change PCT ($000) NAA ($000) ($000) Fiduciary Services-b 6/10/2019 9:29:24 AM 12I31I2017 %Rev PCT %Change %Total %Change 37/38 6/10/2019 Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution 38/38