The Lawrence Bank in Lawrence, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Lawrence Bank - Overview

  • General
  • FDIC Certificate #: 35292
    Status: Active
    Federal Reserve ID: 2815879
    Bank Holding Company (Regulatory Top Holder): First Financial Bancshares, Inc. (RSSDID: 3385137, Location: Lawrence, KS)
    Date Established: August 07, 2000
    WWW: http://www.lawrencebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 77682
    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: August 07, 2000
    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: 3500 Clinton Parkway, Lawrence, KS 66047
    County: Douglas
    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: Western
    Metropolitan Statistical Area (MSA): Lawrence, KS (#4150)
    Core Based Statistical Area (CBSA): Lawrence, KS (#29940)
    CBSA Metro Statistical Area: Lawrence, KS (#29940)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $67.8 mil
    Equity capital: $10.6 mil
    Deposits held in domestic offices: $53.5 mil
    Return on assets (ROA): 0.89% ($0.6 mil)
    Quarterly return on assets: 0.68% ($0.5 mil)
    Return on Equity (ROE): 5.75% ($0.6 mil)
    Quarterly return on equity: 4.37% ($0.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.91% ($617.4 mil)
    Quarterly Pretax return on assets: 0.68% ($461.4 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
  • 17Total employees (full-time equivalent)
  • $67,850Total assets
  • $3,383Cash and due from depository institutions
  • $1,827Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $56,585Net loans & leases
  • $1,059Loan loss allowance
  • $0Trading account assets
  • $285Bank premises and fixed assets
  • $1,033Other real estate owned
  • $4,571Goodwill and other intangibles
  • $67,850Life insurance assets
  • $1,993All other assets
  • $57,239Total liabilities and capital
  • $53,469Total liabilities
  • $45,098Total deposits
  • $53,469Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,600Trading liabilities
  • $0Other borrowed funds
  • $170Subordinated debt
  • $10,611All other liabilities
  • $10,611Total equity capital
  • $10,611Total bank equity capital
  • $0Perpetual preferred stock
  • $3,250Common stock
  • $7,161Surplus
  • $200Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,381Income earned, not collected on loans
  • $0Earning assets
  • $196Long-term assets (5+ years)
  • $58,412Average Assets, year-to-date
  • $13,199Average Assets, quarterly
  • $69,327Volatile liabilities
  • $67,853Insider loans
  • $50,747FHLB advances
  • $63,712Loans and leases held for sale
  • $1,351Unused loan commitments
  • $1,351Tier 1 (core) risk-based capital
  • $6,040Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,815Restructured Loans and leases
  • $1,343Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,548Total interest income
  • $914Total interest expense
  • $2,634Net interest income
  • $100Provision for loan and lease losses
  • $352Total noninterest income
  • $0Fiduciary activities
  • $110Service charges on deposit accounts
  • $0Trading account gains & fees
  • $242Additional noninterest income
  • $2,256Total noninterest expense
  • $1,079Salaries and employee benefits
  • $407Premises and equipment expense
  • $770Additional noninterest expense
  • $630Pre-tax net operating income
  • $0Securities gains (losses)
  • $16Applicable income taxes
  • $614Income before extraordinary items
  • $0Extraordinary gains - net
  • $614Net income attributable to bank
  • $0Net charge-offs
  • $614Cash dividends
  • $125Sale, conversion, retirement of capital stock, net
  • $762Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.86%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 4.35%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 5.75%Return on equity (ROE)
  • -1.39%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 80.00%Credit loss provision to net charge-offs
  • 5.84%Efficiency ratio
  • 74,347Assets per employee
  • 3.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 124.10%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 76.68%Noncurrent assets plus other real estate owned to assets
  • 3.56%Noncurrent loans to loans
  • 2.40%Net loans and leases to deposits
  • 105.83%Net loans and leases to core deposits
  • 110.87%Equity capital to assets
  • 15.64%Core capital (leverage) ratio
  • 9.48%Tier 1 risk-based capital ratio
  • 11.90%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $69,327Average earning assets
  • $10,676Average equity
  • $60,526Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    077682The Lawrence Bank3500 Clinton Parkway, Lawrence, KS 66047August 07, 2000Full Service Brick and Mortar
    1358975Lawrench Branch100 East 9th Street, Lawrence, KS 66044September 05, 2000Full Service Brick and Mortar

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