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Clear Lake National Bank

San Antonio, TX · Cert 35148

FDIC

Q1 2003

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: Q1 2003, the quarter ended March 31, 2003, 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 2026-10-10

Clear Lake National Bank

San Antonio, TX · Cert 35148

FDIC

Q1 2003

$48.4MAssets
$22.1MLoans
$39.4MDeposits
$8.9MEquity
Loan mix
9%RE $1.4M91%C&I $14.5M0%Consumer $0.0MQ1 2002Q1 2003
Deposit mix
74%Interest-bearing $29.1M26%Noninterest $10.2MQ1 2002Q1 2003

NIM

7.72%Q1 ’016.32%Q1 ’025.03%Q1 ’03-3%+5%

Non-interest income vs. expense

3.99%Q1 ’014.77%Q1 ’025.42%Q1 ’03+23%+14%

Executive Summary

  • Earnings: ROA of -0.34%, up 341 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.56%.
  • Funding: loans stand at 56.07% of deposits as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.34%+341 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+16 bps YoY

Efficiency Ratio (YTD, annualized)

127.56%+842 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets-3.75%-2.48%-2.00%-2.75%-0.34%+341 bps
Return on Equity-47.22%-31.44%-25.55%-35.67%-2.57%+4,465 bps
Net Interest Margin3.33%3.39%3.40%3.52%3.49%+16 bps
Efficiency Ratio119.14%123.62%127.55%138.46%127.56%+842 bps
Non-Interest Burden4.10%4.35%4.51%5.13%4.66%+57 bps
Growth
Asset Growth (YoY)-13.54%-14.54%-9.83%-13.66%4.98%+1,852 bps
Loan Growth (YoY)-14.21%-24.00%-33.11%-26.03%-29.43%-1,522 bps
Deposit Growth (YoY)-12.16%-12.90%-11.59%-12.74%-7.29%+487 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.81%0.86%2.05%2.94%0.56%-24 bps
Allowance / Loans3.62%4.13%3.43%2.98%3.30%-32 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 Capital11.84%12.44%12.23%10.66%15.30%+347 bps
Equity / Assets7.53%7.79%7.59%7.18%18.37%+1,083 bps
Liquidity & Funding
Loans / Deposits73.65%65.31%57.18%63.60%56.07%-1,759 bps
Liquid Assets / Assets2.21%2.35%5.20%3.14%0.52%-169 bps
CRE / Total Capitaln/an/an/an/an/an/an/a