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League City Bank & Trust

League City, TX · Cert 17577

FDIC

Q1 2001

$112.1MAssets
$43.4MLoans
$98.0MDeposits
$12.3MEquity
Loan mix
71%RE $13.8M28%C&I $5.4M1%Consumer $0.1MQ2 1999Q1 2001
Deposit mix
75%Interest-bearing $73.1M25%Noninterest $24.9MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 0.58%, down 2 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 44.32% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.58%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.40%
n/a

Efficiency Ratio (YTD, annualized)

82.53%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.45%0.48%0.50%0.60%0.72%0.73%0.78%0.58%-2 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.40%n/an/a
Efficiency Ration/an/an/an/an/an/an/a82.53%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a2.54%n/an/a
Growth
Asset Growth (YoY)9.34%8.37%4.91%4.71%3.22%3.16%2.71%5.41%+70 bps
Loan Growth (YoY)-9.18%-4.00%-1.33%3.79%9.39%10.74%11.29%13.71%+992 bps
Deposit Growth (YoY)10.87%10.32%5.92%6.09%3.64%2.99%-0.04%3.10%-299 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a0.19%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a1.53%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a20.90%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a10.97%n/an/a
Liquidity & Funding
Loans / Deposits39.74%41.20%41.63%40.19%41.94%44.30%46.35%44.32%+414 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%10.52%+1,052 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a