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Lake Area National Bank

Trinity, TX · Cert 26435

FDIC · 18 branches

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Lake Area National Bank

Trinity, TX · Cert 26435

FDIC · 18 branches

Q4 2015

$651.0MAssets
$484.7MLoans
$554.6MDeposits
$82.6MEquity
Loan mix
81%RE $359.0M12%C&I $52.7M7%Consumer $32.3MQ4 2014Q4 2015
Deposit mix
76%Interest-bearing $422.7M24%Noninterest $131.9MQ4 2014Q4 2015

NIM

4.18%Q4 ’134.25%Q4 ’144.15%Q4 ’15+4%+1%

Non-interest income vs. expense

4.37%Q4 ’133.45%Q4 ’143.45%Q4 ’15-33%-7%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2015 SOD (annual) · 0.1% share · #54 of 103 inst. · $0.2B of $215.2B

1.0% Fort Bend
25.3% Houston
0.0% Harris
0.0% Dallas

Executive Summary

  • Earnings: ROA of 5.54%, up 479 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.07%.
  • Funding: loans stand at 87.40% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

5.54%+479 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+5 bps YoY

Efficiency Ratio (YTD, annualized)

79.01%-223 bps YoY

Tier 1 Leverage Ratio

10.07%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.76%0.65%0.72%0.85%5.54%+479 bps
Return on Equity7.74%6.33%6.95%8.21%51.08%+4,334 bps
Net Interest Margin3.69%3.62%3.55%3.56%3.74%+5 bps
Efficiency Ratio81.24%82.69%81.04%79.13%79.01%-223 bps
Non-Interest Burden2.96%2.96%2.83%2.69%2.74%-21 bps
Growth
Asset Growth (YoY)1.38%-0.74%-0.91%-0.01%3.46%+208 bps
Loan Growth (YoY)0.16%1.51%4.57%3.63%3.80%+364 bps
Deposit Growth (YoY)1.01%-1.45%-1.36%-0.80%-1.40%-241 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.00%0.03%-0.02%0.03%-6 bps
Allowance / Loans1.28%1.27%1.22%1.24%1.20%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a10.38%10.52%10.73%10.07%n/a
Total Risk-Based Capital13.48%13.82%13.62%13.69%12.33%-115 bps
Equity / Assets10.06%10.40%10.42%10.61%12.69%+263 bps
Liquidity & Funding
Loans / Deposits83.01%85.91%87.53%86.92%87.40%+438 bps
Liquid Assets / Assets7.06%5.02%4.17%5.66%4.81%-225 bps
CRE / Total Capitaln/an/an/an/an/an/an/a