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Lone Oak State Bank

Lone Oak, TX · Cert 20299

FDIC

Q1 2001

$11.3MAssets
$6.7MLoans
$10.3MDeposits
$874KEquity
Deposit mix
63%Interest-bearing $6.5M37%Noninterest $3.8MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.60%, up 1 bps year over year; NIM at 5.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 64.69% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.60%+1 bps YoY

Net Interest Margin (quarter, annualized)

5.82%

Efficiency Ratio (quarter, annualized)

91.07%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.59%0.71%0.64%0.67%0.60%+1 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.82%n/an/a
Efficiency Ration/an/an/an/a91.07%n/an/a
Non-Interest Burdenn/an/an/an/a5.13%n/an/a
Growth
Asset Growth (YoY)11.16%1.66%11.46%4.68%-7.21%-1,837 bps
Loan Growth (YoY)17.24%14.79%10.44%7.99%-1.62%-1,886 bps
Deposit Growth (YoY)11.56%1.30%11.88%4.33%-8.51%-2,007 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%n/an/a
Allowance / Loansn/an/an/an/a1.38%n/an/a
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 Capitaln/an/an/an/a12.98%n/an/a
Equity / Assetsn/an/an/an/a7.75%n/an/a
Liquidity & Funding
Loans / Deposits60.16%62.96%59.56%64.60%64.69%+453 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%16.90%+1,690 bps
CRE / Total Capitaln/an/an/an/an/an/an/a