Lamar National Bank in Paris, Texas (TX)

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Lamar National Bank
GeneralFDIC 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
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)32
Total assets$131,855
Cash and due from depository institutions$15,987
Interest-bearing balances$6,898
Federal funds sold & reverse repurchase agreements$6,700
Net loans & leases$58,422
Loan loss allowance $596
Trading account assets$0
Bank premises and fixed assets$2,345
Other real estate owned$98
Goodwill and other intangibles$0
All other assets$4,534
Life insurance assets$131,855
Total liabilities and capital$117,829
Total liabilities$116,032
Total deposits$95,177
Interest-bearing deposits$116,032
Deposits held in domestic offices$81
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,797
All other liabilities $14,026
Total equity capital$14,026
Total bank equity capital$14,026
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $11,670
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $86
Earning assets $0
Long-term assets (5+ years) $619
Average Assets, year-to-date $115,789
Average Assets, quarterly $51,469
Volatile liabilities $128,589
Insider loans $129,195
FHLB advances $64,158
Loans and leases held for sale $131,909
Unused loan commitments $2,662
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,246
Total risk weighted assets $0
Total unused commitments $2,662
Restructured Loans and leases $4,021
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,035
Total interest expense $753
Net interest income $4,282
Provision for loan and lease losses $23
Total noninterest income $937
Fiduciary activities $0
Service charges on deposit accounts $474
Trading account gains & fees $0
Additional noninterest income $463
Total noninterest expense $3,574
Salaries and employee benefits $1,747
Premises and equipment expense $325
Additional noninterest expense $1,502
Pre-tax net operating income $1,622
Securities gains (losses) $205
Applicable income taxes $0
Income before extraordinary items $1,827
Extraordinary gains - net $0
Net income attributable to bank $1,827
Net charge-offs $0
Cash dividends $1,827
Sale, conversion, retirement of capital stock, net $16
Net operating income $1,317
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.47%
Cost of funding earning assets 0.67%
Net interest margin 3.80%
Noninterest income to earning assets 0.83%
Noninterest expense to earning assets 3.17%
Net operating income to assets 1.26%
Return on assets (ROA) 1.42%
Pretax return on assets 1.42%
Return on equity (ROE) 13.26%
Retained earnings to average equity (YTD only) 3.70%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 143.75%
Efficiency ratio102.81%
Assets per employee$68,481
Cash dividends to net income (YTD only)4.12%
Condition Ratios (%)
Loss allowance to loans 72.09%
Loss allowance to noncurrent loans 1.01%
Noncurrent assets plus other real estate owned to assets 693.02%
Noncurrent loans to loans 0.14%
Net loans and leases to deposits0.15%
Net loans and leases to core deposits 50.35%
Equity capital to assets 56.73%
Core capital (leverage) ratio 10.64%
Tier 1 risk-based capital ratio 10.04%
Total risk-based capital ratio 20.65%
Average assets$22
Average earning assets$128,589
Average equity $13,774
Average loans $112,652
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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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