The Lamesa National Bank in Lamesa, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Lamesa National Bank - Overview

  • General
  • FDIC Certificate #: 3292
    Status: Active
    Federal Reserve ID: 623052
    Date Established: July 30, 1927
    Trust Powers Granted: Yes
    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 #: 2130
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 112 Houston Street, Lamesa, TX 79331
    County: Dawson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Lamesa, TX (#29500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $275.4 mil
    Equity capital: $28.6 mil
    Deposits held in domestic offices: $245.8 mil
    Return on assets (ROA): 0.57% ($1.6 mil)
    Quarterly return on assets: 0.57% ($1.6 mil)
    Return on Equity (ROE): 5.41% ($1.6 mil)
    Quarterly return on equity: 5.32% ($1.5 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.57% ($1,569.7 mil)
    Quarterly Pretax return on assets: 0.57% ($1,569.7 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
  • 27Total employees (full-time equivalent)
  • $275,380Total assets
  • $48,643Cash and due from depository institutions
  • $41,819Interest-bearing balances
  • $106,926Securities
  • $53,000Federal funds sold & reverse repurchase agreements
  • $62,237Net loans & leases
  • $754Loan loss allowance
  • $0Trading account assets
  • $327Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $275,380Life insurance assets
  • $4,247All other assets
  • $246,812Total liabilities and capital
  • $245,803Total liabilities
  • $166,254Total deposits
  • $245,803Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $452Trading liabilities
  • $0Other borrowed funds
  • $557Subordinated debt
  • $28,568All other liabilities
  • $28,568Total equity capital
  • $28,568Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $2,000Surplus
  • $24,568Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,218Income earned, not collected on loans
  • $0Earning assets
  • $3,557Long-term assets (5+ years)
  • $263,982Average Assets, year-to-date
  • $36,152Average Assets, quarterly
  • $267,529Volatile liabilities
  • $266,948Insider loans
  • $105,778FHLB advances
  • $271,436Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,863Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,985Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,134Total interest income
  • $2,822Total interest expense
  • $4,312Net interest income
  • $340Provision for loan and lease losses
  • $341Total noninterest income
  • $165Fiduciary activities
  • $83Service charges on deposit accounts
  • $0Trading account gains & fees
  • $93Additional noninterest income
  • $3,054Total noninterest expense
  • $1,970Salaries and employee benefits
  • $414Premises and equipment expense
  • $670Additional noninterest expense
  • $1,259Pre-tax net operating income
  • $269Securities gains (losses)
  • $0Applicable income taxes
  • $1,528Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,528Net income attributable to bank
  • $0Net charge-offs
  • $1,528Cash dividends
  • $491Sale, conversion, retirement of capital stock, net
  • $650Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.91%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 1.76%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 1.24%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 5.41%Return on equity (ROE)
  • 3.11%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • 69.25%Credit loss provision to net charge-offs
  • 3.26%Efficiency ratio
  • 65,635Assets per employee
  • 10.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.54%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 17.88%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 6.70%Net loans and leases to deposits
  • 25.32%Net loans and leases to core deposits
  • 27.41%Equity capital to assets
  • 10.37%Core capital (leverage) ratio
  • 9.90%Tier 1 risk-based capital ratio
  • 25.40%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $267,529Average earning assets
  • $28,251Average equity
  • $245,554Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $55,578Managed Assets
  • 1Number of Accounts
  • $55,578Personal trust and agency accounts
  • $39,512Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,277Other retirement accounts
  • $586Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $10,364Fiduciary accounts held in foreign offices
  • $839Non-managed Assets
  • 41Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02130The Lamesa National Bank112 Houston Street, Lamesa, TX 79331July 30, 1927Full Service Brick and Mortar

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