Lawson Bank in Lawson, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Lawson Bank in Lawson, Missouri (MO)
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Lawson Bank - Overview

  • General
  • FDIC Certificate #: 11457
    Status: Active
    Federal Reserve ID: 652753
    Bank Holding Company (Regulatory Top Holder): Lawson Financial Corporation (RSSDID: 1140828, Location: Lawson, MO)
    Date Established: March 13, 1883
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11942
    FDIC's unique #: 7318
    Numeric code: 21
    Regulator: FDIC
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 12, 2010
    Last Structure Change Process Date: August 12, 2010
    Last Data Update: August 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 North Penn Street, Lawson, MO 64062
    County: Ray
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $120.0 mil
    Equity capital: $10.6 mil
    Deposits held in domestic offices: $108.0 mil
    Return on assets (ROA): 0.85% ($1.0 mil)
    Quarterly return on assets: 0.39% ($0.5 mil)
    Return on Equity (ROE): 9.80% ($1.1 mil)
    Quarterly return on equity: 4.14% ($0.5 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.88% ($1,055.7 mil)
    Quarterly Pretax return on assets: 0.40% ($479.8 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
  • 43Total employees (full-time equivalent)
  • $119,962Total assets
  • $14,382Cash and due from depository institutions
  • $8,359Interest-bearing balances
  • $40,678Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $55,652Net loans & leases
  • $895Loan loss allowance
  • $0Trading account assets
  • $3,764Bank premises and fixed assets
  • $2,069Other real estate owned
  • $0Goodwill and other intangibles
  • $119,962Life insurance assets
  • $3,417All other assets
  • $109,323Total liabilities and capital
  • $108,044Total liabilities
  • $85,877Total deposits
  • $108,044Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 1120.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $159Subordinated debt
  • $10,639All other liabilities
  • $10,639Total equity capital
  • $10,639Total bank equity capital
  • $0Perpetual preferred stock
  • $140Common stock
  • $2,135Surplus
  • $8,364Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $900Income earned, not collected on loans
  • $0Earning assets
  • $557Long-term assets (5+ years)
  • $104,689Average Assets, year-to-date
  • $32,195Average Assets, quarterly
  • $121,567Volatile liabilities
  • $120,282Insider loans
  • $72,226FHLB advances
  • $120,541Loans and leases held for sale
  • $2,219Unused loan commitments
  • $1,109Tier 1 (core) risk-based capital
  • $10,876Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,110Total unused commitments
  • $6,551Restructured Loans and leases
  • $952Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,119Total interest income
  • $863Total interest expense
  • $4,256Net interest income
  • $410Provision for loan and lease losses
  • $966Total noninterest income
  • $0Fiduciary activities
  • $316Service charges on deposit accounts
  • $0Trading account gains & fees
  • $650Additional noninterest income
  • $3,741Total noninterest expense
  • $2,297Salaries and employee benefits
  • $441Premises and equipment expense
  • $1,003Additional noninterest expense
  • $1,071Pre-tax net operating income
  • $1Securities gains (losses)
  • $34Applicable income taxes
  • $1,038Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,038Net income attributable to bank
  • $0Net charge-offs
  • $1,038Cash dividends
  • $483Sale, conversion, retirement of capital stock, net
  • $602Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 9.80%Return on equity (ROE)
  • 4.12%Retained earnings to average equity (YTD only)
  • 0.81%Net charge-offs to loans
  • 84.89%Credit loss provision to net charge-offs
  • 3.07%Efficiency ratio
  • 71,639Assets per employee
  • 2.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.00%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 99.44%Noncurrent assets plus other real estate owned to assets
  • 2.47%Noncurrent loans to loans
  • 1.59%Net loans and leases to deposits
  • 51.51%Net loans and leases to core deposits
  • 59.23%Equity capital to assets
  • 8.87%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 15.06%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $121,567Average earning assets
  • $10,587Average equity
  • $108,825Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07318Lawson Bank401 North Penn Street, Lawson, MO 64062March 13, 1883Full Service Brick and Mortar
    1224654North Oak Branch4200 North Oak Street Trafficway, Kansas City, MO 64116October 12, 1995Full Service Brick and Mortar
    3224656Gladstone Branch6303 North Antioch, Gladstone, MO 64119December 21, 1998Full Service Brick and Mortar
    4478498Excelsior Springs Branch2210 Patsy Ln, Excelsior Springs, MO 64024December 27, 2007Full Service Brick and Mortar

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