Lamar Bank and Trust Company in Lamar, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Lamar Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 1964
    Status: Active
    Federal Reserve ID: 767255
    Bank Holding Company (Regulatory Top Holder): Lamar Trust Bancshares, Inc. (RSSDID: 1067354, Location: Lamar, MO)
    Date Established: March 25, 1925
    WWW: http://www.lbt.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 1322
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 Broadway, Lamar, MO 64759
    County: Barton
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.5 mil
    Equity capital: $12.0 mil
    Deposits held in domestic offices: $111.9 mil
    Return on assets (ROA): 2.25% ($2.8 mil)
    Quarterly return on assets: 2.11% ($2.6 mil)
    Return on Equity (ROE): 23.38% ($2.8 mil)
    Quarterly return on equity: 21.57% ($2.6 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 2.25% ($2,802.4 mil)
    Quarterly Pretax return on assets: 2.11% ($2,628.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 29Total employees (full-time equivalent)
  • $124,549Total assets
  • $12,900Cash and due from depository institutions
  • $9,630Interest-bearing balances
  • $20,960Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $85,527Net loans & leases
  • $1,032Loan loss allowance
  • $0Trading account assets
  • $754Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $124,549Life insurance assets
  • $4,408All other assets
  • $112,532Total liabilities and capital
  • $111,918Total liabilities
  • $99,186Total deposits
  • $111,918Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $614Subordinated debt
  • $12,017All other liabilities
  • $12,017Total equity capital
  • $12,017Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $300Surplus
  • $11,567Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $180Income earned, not collected on loans
  • $0Earning assets
  • $814Long-term assets (5+ years)
  • $116,117Average Assets, year-to-date
  • $13,229Average Assets, quarterly
  • $122,299Volatile liabilities
  • $123,049Insider loans
  • $80,741FHLB advances
  • $122,581Loans and leases held for sale
  • $2,916Unused loan commitments
  • $1,665Tier 1 (core) risk-based capital
  • $11,618Tier 2 risk-based capital
  • $102Total risk weighted assets
  • $1,149Total unused commitments
  • $8,363Restructured Loans and leases
  • $1,024Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,677Total interest income
  • $1,045Total interest expense
  • $4,632Net interest income
  • $98Provision for loan and lease losses
  • $1,217Total noninterest income
  • $0Fiduciary activities
  • $816Service charges on deposit accounts
  • $0Trading account gains & fees
  • $401Additional noninterest income
  • $2,999Total noninterest expense
  • $1,832Salaries and employee benefits
  • $192Premises and equipment expense
  • $975Additional noninterest expense
  • $2,752Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • $2,748Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,748Net income attributable to bank
  • $0Net charge-offs
  • $2,748Cash dividends
  • $44Sale, conversion, retirement of capital stock, net
  • $2,340Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 4.05%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 2.62%Noninterest expense to earning assets
  • 2.25%Net operating income to assets
  • 2.25%Return on assets (ROA)
  • 2.25%Pretax return on assets
  • 23.38%Return on equity (ROE)
  • 3.47%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 222.73%Credit loss provision to net charge-offs
  • 64.77%Efficiency ratio
  • 51,274Assets per employee
  • 4.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.15%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 573.33%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 76.42%Net loans and leases to core deposits
  • 82.98%Equity capital to assets
  • 9.65%Core capital (leverage) ratio
  • 9.48%Tier 1 risk-based capital ratio
  • 14.39%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $122,299Average earning assets
  • $11,756Average equity
  • $114,252Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01322Lamar Bank And Trust Company1000 Broadway, Lamar, MO 64759March 25, 1925Full Service Brick and Mortar

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