Landmark Bank

Euless, TX · Cert 26266

FDIC

Q4 2001

$182.4MAssets

$111.4MLoans

$160.6MDeposits

$13.4MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -1.39%, down 463 bps year over year; NIM at 4.46%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.76%.
Funding: loans stand at 69.34% of deposits as of Q4 2001.

Return on Assets (quarter, annualized)

-1.39%-463 bps YoY

Net Interest Margin (quarter, annualized)

4.46%

Efficiency Ratio (quarter, annualized)

118.20%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	2.46%	2.67%	3.33%	3.24%	2.04%	2.59%	1.90%	-1.39%	-463 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	33.42%	24.98%	-18.65%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	5.42%	5.02%	4.28%	4.46%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	51.59%	53.25%	58.22%	118.20%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.20%	2.14%	2.17%	5.52%	n/a
Growth
Asset Growth (YoY)	13.03%	6.28%	22.08%	16.12%	14.61%	26.24%	16.59%	16.07%	-5 bps
Loan Growth (YoY)	26.60%	9.04%	12.40%	8.90%	10.71%	19.33%	14.18%	8.06%	-84 bps
Deposit Growth (YoY)	9.82%	1.74%	18.80%	15.67%	12.39%	25.33%	17.03%	15.94%	+27 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.14%	0.02%	0.67%	2.76%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.63%	1.64%	1.55%	1.04%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	12.08%	12.17%	12.40%	11.81%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	7.88%	7.64%	7.56%	7.35%	n/a
Liquidity & Funding
Loans / Deposits	75.26%	76.96%	69.63%	74.40%	74.13%	73.27%	67.93%	69.34%	-506 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	7.13%	4.79%	3.21%	3.15%	+315 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a