PackageTrendsPeer
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Landmark Bank

Euless, TX · Cert 26266

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Landmark Bank

Euless, TX · Cert 26266

FDIC

Q4 2001

$182.4MAssets
$111.4MLoans
$160.6MDeposits
$13.4MEquity
Loan mix
23%RE $9.8M76%C&I $31.8M1%Consumer $0.4MQ4 2000Q4 2001
Deposit mix
63%Interest-bearing $101.8M37%Noninterest $58.8MQ4 2000Q4 2001

NIM

8.51%Q1 ’017.20%Q3 ’017.05%Q4 ’01-17%+0%

Non-interest income vs. expense

3.43%Q1 ’012.96%Q3 ’013.95%Q4 ’01-9%+44%

Executive Summary

  • Earnings: ROA of 1.24%, down 200 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.90%.
  • Funding: loans stand at 69.34% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.24%-200 bps YoY

Net Interest Margin (YTD, annualized)

4.51%

Efficiency Ratio (YTD, annualized)

70.93%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.24%2.04%2.32%2.17%1.24%-200 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a5.42%5.04%4.51%4.51%n/a
Efficiency Ration/a51.59%52.41%54.20%70.93%n/a
Non-Interest Burdenn/a2.20%2.10%2.01%2.89%n/a
Growth
Asset Growth (YoY)16.12%14.61%26.24%16.59%16.07%-5 bps
Loan Growth (YoY)8.90%10.71%19.33%14.18%8.06%-84 bps
Deposit Growth (YoY)15.67%12.39%25.33%17.03%15.94%+27 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.14%0.08%0.28%0.90%n/a
Allowance / Loansn/a1.63%1.64%1.55%1.04%n/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/a12.08%12.17%12.40%11.81%n/a
Equity / Assetsn/a7.88%7.64%7.56%7.35%n/a
Liquidity & Funding
Loans / Deposits74.40%74.13%73.27%67.93%69.34%-506 bps
Liquid Assets / Assets0.00%7.13%4.79%3.21%3.15%+315 bps
CRE / Total Capitaln/an/an/an/an/an/an/a