PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.4MQ1 2000Q4 2001
Deposit mix
63%Interest-bearing $101.8M37%Noninterest $58.8MQ1 2000Q4 2001

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets2.46%2.67%3.33%3.24%2.04%2.32%2.17%1.24%-200 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.42%5.04%4.51%4.51%n/a
Efficiency Ration/an/an/an/a51.59%52.41%54.20%70.93%n/a
Non-Interest Burdenn/an/an/an/a2.20%2.10%2.01%2.89%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 / 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/a0.14%0.08%0.28%0.90%n/a
Allowance / Loansn/an/an/an/a1.63%1.64%1.55%1.04%n/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/a12.08%12.17%12.40%11.81%n/a
Equity / Assetsn/an/an/an/a7.88%7.64%7.56%7.35%n/a
Liquidity & Funding
Loans / Deposits75.26%76.96%69.63%74.40%74.13%73.27%67.93%69.34%-506 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%7.13%4.79%3.21%3.15%+315 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a