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Lone Star State Bank, The

Lone Star, TX · Cert 19090

FDIC

Q1 2013

$39.4MAssets
$23.5MLoans
$33.1MDeposits
$3.3MEquity
Loan mix
58%RE $9.8M34%C&I $5.7M8%Consumer $1.4MQ1 2012Q1 2013
Deposit mix
77%Interest-bearing $25.4M23%Noninterest $7.6MQ1 2012Q1 2013

NIM

3.98%Q1 ’113.24%Q1 ’123.04%Q1 ’13-15%-5%

Non-interest income vs. expense

1.75%Q1 ’111.51%Q1 ’121.36%Q1 ’13+1%-6%

Executive Summary

  • Earnings: ROA of 1.76%, down 10 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 70.94% of deposits as of Q1 2013.

Financial Results

Return on Assets (quarter, annualized)

1.76%-10 bps YoY

Net Interest Margin (quarter, annualized)

2.78%-14 bps YoY

Efficiency Ratio (quarter, annualized)

43.67%-151 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets1.86%1.77%1.80%1.54%1.76%-10 bps
Return on Equity23.10%21.69%22.63%19.98%22.07%-103 bps
Net Interest Margin2.91%3.02%2.92%2.85%2.78%-14 bps
Efficiency Ratio45.18%45.91%45.71%51.24%43.67%-151 bps
Non-Interest Burden1.08%1.18%1.15%1.29%1.02%-6 bps
Growth
Asset Growth (YoY)1.86%8.90%-1.37%5.62%1.33%-53 bps
Loan Growth (YoY)-10.10%-6.86%-3.93%6.19%7.64%+1,774 bps
Deposit Growth (YoY)-5.64%1.50%-1.84%6.42%12.67%+1,831 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.89%1.87%1.91%1.78%1.76%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.77%15.12%15.79%15.46%16.24%+47 bps
Equity / Assets8.32%7.99%7.94%7.53%8.41%+9 bps
Liquidity & Funding
Loans / Deposits74.26%69.69%69.59%74.92%70.94%-332 bps
Liquid Assets / Assets41.21%40.96%42.19%39.93%37.14%-407 bps
CRE / Total Capitaln/an/an/an/an/an/an/a