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Lone Star Bank

Houston, TX · Cert 26316

FDIC

Q4 2001

$170.4MAssets
$122.5MLoans
$154.0MDeposits
$13.9MEquity
Loan mix
19%RE $8.6M81%C&I $36.1M0%Consumer $0.1MQ4 2000Q4 2001
Deposit mix
75%Interest-bearing $115.8M25%Noninterest $38.2MQ4 2000Q4 2001

NIM

8.51%Q1 ’017.67%Q3 ’016.53%Q4 ’01-2%-14%

Non-interest income vs. expense

3.98%Q1 ’016.74%Q3 ’014.93%Q4 ’01+82%-28%

Executive Summary

  • Earnings: ROA of -0.34%, down 111 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 79.54% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

-0.34%-111 bps YoY

Net Interest Margin (quarter, annualized)

3.83%

Efficiency Ratio (quarter, annualized)

114.06%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.77%0.07%0.65%-1.65%-0.34%-111 bps
Return on Equityn/an/a10.87%-22.68%-4.07%n/a
Net Interest Marginn/a4.55%4.47%4.44%3.83%n/a
Efficiency Ration/a77.59%79.45%134.66%114.06%n/a
Non-Interest Burdenn/a3.40%3.44%6.17%4.44%n/a
Growth
Asset Growth (YoY)51.21%32.78%28.81%16.35%11.89%-3,932 bps
Loan Growth (YoY)76.65%45.22%32.63%20.48%5.89%-7,076 bps
Deposit Growth (YoY)51.64%32.23%27.95%13.14%8.91%-4,273 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.55%0.34%0.01%0.03%n/a
Allowance / Loansn/a1.07%1.02%1.26%1.30%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/a8.42%8.37%11.56%11.73%n/a
Equity / Assetsn/a5.90%6.06%8.43%8.14%n/a
Liquidity & Funding
Loans / Deposits81.81%82.20%84.77%84.23%79.54%-226 bps
Liquid Assets / Assets0.00%0.12%0.06%0.06%0.06%+6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a