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La Coste National Bank, The

La Coste, TX · Cert 3287

FDIC

Q4 2009

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 2009, the quarter ended December 31, 2009, 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

La Coste National Bank, The

La Coste, TX · Cert 3287

FDIC

Q4 2009

$53.9MAssets
$22.7MLoans
$49.3MDeposits
$4.2MEquity
Deposit mix
85%Interest-bearing $42.1M15%Noninterest $7.2MQ4 2008Q4 2009

NIM

5.37%Q4 ’075.19%Q4 ’084.33%Q4 ’09-12%-26%

Non-interest income vs. expense

3.24%Q4 ’072.86%Q4 ’082.27%Q4 ’09-7%-17%

Executive Summary

  • Earnings: ROA of 0.45%, down 39 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 46.15% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

0.45%-39 bps YoY

Net Interest Margin (YTD, annualized)

2.32%-83 bps YoY

Efficiency Ratio (YTD, annualized)

81.26%+686 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets0.84%0.68%0.55%0.52%0.45%-39 bps
Return on Equity7.09%6.61%5.52%5.42%4.94%-215 bps
Net Interest Margin3.15%3.00%2.81%2.53%2.32%-83 bps
Efficiency Ratio74.40%77.57%78.60%79.00%81.26%+686 bps
Non-Interest Burden2.17%2.18%2.08%1.89%1.80%-37 bps
Growth
Asset Growth (YoY)23.32%37.18%25.76%44.13%35.58%+1,226 bps
Loan Growth (YoY)47.28%26.34%15.99%0.39%5.09%-4,219 bps
Deposit Growth (YoY)25.53%41.86%28.54%48.91%39.62%+1,409 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.22%0.17%0.09%0.09%0.13%-9 bps
Allowance / Loans0.79%0.84%0.92%0.85%0.84%+4 bps
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 Capital23.88%23.50%22.71%19.63%20.80%-308 bps
Equity / Assets10.53%10.05%9.57%8.23%7.84%-269 bps
Liquidity & Funding
Loans / Deposits61.31%55.92%51.78%46.06%46.15%-1,516 bps
Liquid Assets / Assets11.81%10.84%10.65%8.48%8.26%-356 bps
CRE / Total Capitaln/an/an/an/an/an/an/a