Lamar National Bank in Paris, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Lamar National Bank - Overview

  • General
  • FDIC Certificate #: 23597
    Status: Active
    Federal Reserve ID: 2161
    Bank Holding Company (Regulatory Top Holder): Lamar Bancorporation, Inc. (RSSDID: 1136906, Location: Paris, TX)
    Date Established: October 26, 1981
    WWW: http://www.lamarnational.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 16529
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: October 26, 1981
    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: 200 South Collegiate, Paris, TX 75460
    County: Lamar
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Paris, TX (#37580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $131.9 mil
    Equity capital: $14.0 mil
    Deposits held in domestic offices: $116.0 mil
    Return on assets (ROA): 1.42% ($1.9 mil)
    Quarterly return on assets: 1.16% ($1.5 mil)
    Return on Equity (ROE): 13.26% ($1.9 mil)
    Quarterly return on equity: 10.53% ($1.5 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.42% ($1,872.3 mil)
    Quarterly Pretax return on assets: 1.16% ($1,529.5 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
  • 32Total employees (full-time equivalent)
  • $131,855Total assets
  • $15,987Cash and due from depository institutions
  • $6,898Interest-bearing balances
  • $43,769Securities
  • $6,700Federal funds sold & reverse repurchase agreements
  • $58,422Net loans & leases
  • $596Loan loss allowance
  • $0Trading account assets
  • $2,345Bank premises and fixed assets
  • $98Other real estate owned
  • $0Goodwill and other intangibles
  • $131,855Life insurance assets
  • $4,534All other assets
  • $117,829Total liabilities and capital
  • $116,032Total liabilities
  • $95,177Total deposits
  • $116,032Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,797Subordinated debt
  • $14,026All other liabilities
  • $14,026Total equity capital
  • $14,026Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,356Surplus
  • $11,670Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $86Income earned, not collected on loans
  • $0Earning assets
  • $619Long-term assets (5+ years)
  • $115,789Average Assets, year-to-date
  • $51,469Average Assets, quarterly
  • $128,589Volatile liabilities
  • $129,195Insider loans
  • $64,158FHLB advances
  • $131,909Loans and leases held for sale
  • $2,662Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,246Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,662Total unused commitments
  • $4,021Restructured Loans and leases
  • $1,451Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,035Total interest income
  • $753Total interest expense
  • $4,282Net interest income
  • $23Provision for loan and lease losses
  • $937Total noninterest income
  • $0Fiduciary activities
  • $474Service charges on deposit accounts
  • $0Trading account gains & fees
  • $463Additional noninterest income
  • $3,574Total noninterest expense
  • $1,747Salaries and employee benefits
  • $325Premises and equipment expense
  • $1,502Additional noninterest expense
  • $1,622Pre-tax net operating income
  • $205Securities gains (losses)
  • $0Applicable income taxes
  • $1,827Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,827Net income attributable to bank
  • $0Net charge-offs
  • $1,827Cash dividends
  • $16Sale, conversion, retirement of capital stock, net
  • $1,317Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 13.26%Return on equity (ROE)
  • 3.70%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 143.75%Credit loss provision to net charge-offs
  • 102.81%Efficiency ratio
  • 68,481Assets per employee
  • 4.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.09%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 693.02%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.15%Net loans and leases to deposits
  • 50.35%Net loans and leases to core deposits
  • 56.73%Equity capital to assets
  • 10.64%Core capital (leverage) ratio
  • 10.04%Tier 1 risk-based capital ratio
  • 20.65%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $128,589Average earning assets
  • $13,774Average equity
  • $112,652Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016529Lamar National Bank200 South Collegiate, Paris, TX 75460October 26, 1981Full Service Brick and Mortar

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