PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.1MQ1 2000Q4 2001
Deposit mix
75%Interest-bearing $115.8M25%Noninterest $38.2MQ1 2000Q4 2001

Executive Summary

  • Earnings: ROA of -0.33%, down 110 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Funding: loans stand at 79.54% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

-0.33%-110 bps YoY

Net Interest Margin (YTD, annualized)

4.06%

Efficiency Ratio (YTD, annualized)

101.36%

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.51%Q1 ’017.95%Q3 ’017.24%Q4 ’01-3%-8%

Non-interest income vs. expense

3.98%Q1 ’014.82%Q3 ’014.64%Q4 ’01+26%-3%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.82%0.78%0.86%0.77%0.07%0.36%-0.32%-0.33%-110 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.55%4.47%4.40%4.06%n/a
Efficiency Ration/an/an/an/a77.59%78.52%97.43%101.36%n/a
Non-Interest Burdenn/an/an/an/a3.40%3.39%4.27%4.12%n/a
Growth
Asset Growth (YoY)69.05%76.02%62.60%51.21%32.78%28.81%16.35%11.89%-3,932 bps
Loan Growth (YoY)95.51%117.17%119.20%76.65%45.22%32.63%20.48%5.89%-7,076 bps
Deposit Growth (YoY)72.85%80.16%62.12%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.55%0.44%0.30%0.24%n/a
Allowance / Loansn/an/an/an/a1.07%1.02%1.26%1.30%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/a8.42%8.37%11.56%11.73%n/a
Equity / Assetsn/an/an/an/a5.90%6.06%8.43%8.14%n/a
Liquidity & Funding
Loans / Deposits74.85%81.78%79.09%81.81%82.20%84.77%84.23%79.54%-226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.12%0.06%0.06%0.06%+6 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a