3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

10
!"#$%& '()#)*+( "#, !-.+#%.. /-&0%1 3 !"#$ 2"*% 3 4+51 6784 4%&5 2-*9%& !"#$ 4)#5"(5 2"*% Texas Department of Banking 1

Upload: vonhan

Post on 02-Oct-2018

230 views

Category:

Documents


0 download

TRANSCRIPT

Page 1: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

!"#$%& '()#)*+( "#, !-.+#%.. /-&0%1

3 !"#$ 2"*%

3 4+51

6784 4%&5 2-*9%&

!"#$ 4)#5"(5 2"*%

Texas Department of Banking 1

Page 2: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

!".%, )# 1)-& :%#%&"; $#)<;%,:% )= 1)-& 9"#$. 5&",% "&%" "#, ,+.(-..+)#. <+5> ()#.-*%&. "#, 9-.+#%..%. ?;%".% ,%.(&+9% 5>% %()#)*1 +# <>+(> 1)-& 9"#$ )==%&. :)),. "#, .%&0+(%. ". ()*?"&%, 5) 5>% ;".5 @-"&5%&A

!"#$"%"&'$()* !"#$"%"&'$()* +$&,-'."$# +$&,-'."$# !('/)- 0-&,-'."$# 0-&,-'."$# 12( 344)"&'/)-

'5 6-$-,') /7."$-.. '&("8"(* ".

/5 9-.":-$("') 4,24-,(* .')- '&("8"(* ".

&5 ;2<<-,&"') ,-') -.('(- .')- '&("8"(* ".

:5 3,-' =":- -<4)2*<-$( ".

-5 3,-' =":-4247)'("2$ ".

;2<<-$(.

Texas Department of Banking 2

Page 3: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

B;%".%

,%.(&+9%

1)-&

?%&(%?5+)#.

"9)-5

5>%

,+&%(5+)#

)=

5>%

=);;)<+#:

+5%*.

)0%&

5>%

#%C5

.+C *)#5>.A

!"#$"%"&'$()* !"#$"%"&'$()* +$&,-'."$# +$&,-'."$# !('/)- 0-&,-'."$# 0-&,-'."$# 12( 344)"&'/)-

'5 +$(-,-.( ,'(-. >"$ #-$-,')?

/5 !(2&@ A',@-( >02=

B2$-.?

&5 C7-) 4,"&-.>#'.2)"$-D E-( %7-)D -(&5?

:5 F") G 6'. 4,"&-.>.42( <',@-(?

-5 +$%)'("2$ >&2$.7<-, 4,"&-.?

;2<<-$(.

Texas Department of Banking 3

Page 4: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

B;%".% ()*?"&% 5>% ;%0%; )= ()*?%5+5+)# 1)-& 9"#$ +. %C?%&+%#(+#: =)& =+#"#(+"; .%&0+(%. =&)* )5>%& 0%#,)&.A

!"#$"%"&'$()* !"#$"%"&'$()* +$&,-'."$# +$&,-'."$# !('/)- 0-&,-'."$# 0-&,-'."$# 12( 344)"&'/)-

'5 ;2$.7<-, )2'$.

/5 ;2<<-,&"') )2'$.

&5 0-42."(.

:5 F(M-, %"$'$&"') 4,2:7&(.

-5 F(M-, >4)-'.- .4-&"%* /-)2=?

;2<<-$(.

B;%".% ,%.(&+9% 1)-& 9"#$D. :&)<5> (>"&"(5%&+.5+(. ". ()*?"&%, 5) 5>% ;".5 (";%#,"& @-"&5%&A

!"#$"%"&'$()* !"#$"%"&'$()* +$&,-'."$# +$&,-'."$# !('/)- 0-&,-'."$# 0-&,-'."$# 12( 344)"&'/)-

'5 N2(') '..-(.

/5 O2'$.

&5 0-42."(.

:5 P2,,2="$#.

-5 F(M-, >4)-'.- .4-&"%* /-)2=?

;2<<-$(.

Texas Department of Banking 4

Page 5: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

B;%".% ,%.(&+9% 1)-& 9"#$D. ?%&=)&*"#(% "#, )5>%& ="(5)&. ". ()*?"&%, 5) 5>% ;".5 (";%#,"&­

@-"&5%&A

'5 1-( "$&2<- '. 4-,&-$('#- 2% '8-,'#-'..-(.

/5 1-( "$(-,-.( <',#"$

&5 12$"$(-,-.( "$&2<-

:5 12$"$(-,-.( -Q4-$.-

-5 3<27$( 2% R'. :7- )2'$.

%5 3<27$( 2% 12$'&&7,') )2'$.

#5 3<27$( 2% C2,-&)2.-: ,-') -.('(-

M5 3<27$( 2%9-42..-.."2$.

"5 17</-, 2% ;7.(2<-, /'$@,74(&"-.

E5 #2)7<- 2% )2'$. 2$ "$(-,$') ='(&M )".(

@5 3<27$( 2% O2'$ )2.. 4,28"."2$.

)5 O2'$ (2 :-42."( ,'("2

<5 N"#M(-$"$# 2% )2'$ 7$:-,=,"("$# .('$:',:. ',-

;2<<-$(.

!"#$"%"&'$()* !"#$"%"&'$()*­+$&,-'."$# +$&,-'."$# !('/)- 0-&,-'."$# 0-&,-'."$# 12( 344)"&'/)-

Texas Department of Banking 5

Page 6: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

B;%".% ,%.(&+9% 1)-& 9"#$D. %C?%(5%, E%5-&# )# F..%5. &"5+)

$%5& ?5@? (2 ?5AA ?5? (2 ?5@ 5@? (2 ?5& 5&? (2 5@ B&

CQ4-&(-: 9-(7,$ 2$ 3..-(. ,'("2 %2, (M". D7',(-,

;2<<-$(.

E%:"&,+#: #)#,%?).+5 =+#"#(+"; .%&0+(%. 1)- #)< )==%& )& ?;"# 5) )==%& +# 5>% #%C5 .+C *)#5>. G+#(;-,%. "#1 5>+&, ?"&51 "==+;+"5+)# ,+&%(5%, 5) 1)-& (-.5)*%&.?A

+% 2%%-,-:D +% 2%%-,-:D 4-,%2,<'$&- ". +% 2%%-,-:D 4-,%2,<'$&- ". /-((-, (M'$ 4-,%2,<'$&- ". =2,.- (M'$

F%%-,-: 12( F%%-,-: R)'$ (2 2%%-, -Q4-&(-: '. -Q4-&(-: -Q4-&(-:

'5 +$.7,'$&- E 37(2

/5 +$.7,'$&- E R,24-,(*

&5 +$.7,'$&- E O"%-

:5 P,2@-,'#-

-5 3$$7"("-.

%5 9-') -.('(-/,2@-,'#-

#5 C"$'$&"') 4)'$$"$#

M5 F(M-,

;2<<-$(.

Texas Department of Banking 6

Page 7: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

7)%. *"#":%*%#5 .%% "#1 .+:#+=+("#5 (>"#:%. )& .>+=5. +# 5>% +#.5+5-5+)#D. 9-.+#%.. ?;"# )& .5&"5%:+( )9@%(5+0% +# 5>% #%"& =-5-&%A

F-.

12

Texas Department of Banking 7

Page 8: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

Significant changes or shifts in the institution's business plan or strategic objective.B;%".% .%;%(5 ";; 5>"5 "??;1A

+$(-,-.(-: "$ '&D7","$# ' /'$@

+$(-,-.(-: "$ /-"$# '&D7",-:

F%%-, $-= 4,2:7&(. 2, .-,8"&-. >.4-&"%* /-)2=?

!M"%( "$ .('%%"$#

O2'$ 42,(%2)"2 &M'$#-.

0-42."( &2<42."("2$ &M'$#-.

P,'$&M -Q4'$."2$ G ,-:7&("2$

1-= (-&M$2)2#* .-,8"&-. 2, .'%-#7',: &M'$#-.

F(M-, >4)-'.- .4-&"%* /-)2=?

F(M-, >4)-'.- .4-&"%*?

Texas Department of Banking 8

Page 9: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

3 B)< ,) 1)- .%% 5>% =);;)<+#: %C5%&#"; 9-.+#%..C %()#)*+( , )& ?);+5 +("; ="(5)&. +*?"(5+#: 1)-&9"#$D. ()#,+5+)# "#, ?%&=)&*"#(% +# 5>% #%C5 1%"&A

R2."("8- 1-#'("8- 1-7(,')

O2&') -&2$2<"& &2$:"("2$.

!('(- -&2$2<"& &2$:"("2$.

1'("2$') -&2$2<"& &2$:"("2$.

;2$.7<-, &2$%":-$&-

C<4)2*<-$(

R247)'("2$ #,2=(M

H27."$# <',@-(

3#,"&7)(7,- 4,"&-.

FG6 4,"&-.

;2<4-("("2$

O2'$ :-<'$:

O2= &2.( 2% %7$:.

+$(-,-.( ,'(- ,".@ G 1-( "$(-,-.( <',#"$

F4-,'("$# &2.(.

N')-$( G A'$'#-<-$( .7&&-.."2$

R2)"("&') 7$&-,('"$(*

+$(-,$'("2$') '%%'",.

9-#7)'(2,* /7,:-$ '$: ,-)'(-: &2.(.

F(M-, >4)-'.- "$:"&'(- "% 42."("8- 2, $-#'("8-)

Texas Department of Banking 9

Page 10: 3 !#$ 2*% 3 4+51 6784 4%&5 2-*9%& !#$ 4)#5(5 2*% · -5 3

3 D>"5 are 5>% :&%"5%.5 &+.$s ="(+#: 1)-& 9"#$ 5),"1A B;%".% &"5% 5>% 5)? E &+.$.

I? I% IJ

3#,"&7)(7,- K 4,"&- &M'$#-.

3#,"&7)(7,- 4,2:7&("2$ K :,27#M( 2, 2(M-, &",&7<.

('$&-. ;2<4-("("2$ 2(M-, %"$'$&"') "$.("(7("2$. K )2'$.

2, :-42."(. ;,-:"( ,".@ K .4-&"%"& (*4- 2, "$ #-$-,')

FG6 ,".@ K )-$:"$#D :-42."(. 2, -&2$2<"& "<4'&( "$ #-$-,')

Interest rate risk / Net interest margin

;*/-,.-&7,"(*

N-&M$2)2#* ,".@ 2(M-, (M'$ &*/-,.-&7,"(*

Fraud - internal or external

0-42."( .('/")"(* G .27,&-.

C&2$2<* "$ <',@-( ',-'>.?

9-#7)'(2,* /7,:-$

N')-$( G A'$'#-<-$( .7&&-.."2$

F(M-,

F(M-, >4)-'.- .4-&"%*?

Texas Department of Banking 10