FDIC Certificate #: 1964 Status: Active Federal Reserve ID: 767255 Bank Holding Company (Regulatory Top Holder): Lamar Trust Bancshares, Inc. (RSSDID: 1067354, Location: Lamar, MO) Date Established: March 25, 1925 WWW:http://www.lbt.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1322 Numeric code: 13 Regulator: FED 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: All Other Specialization < 1 Billion 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: 1000 Broadway, Lamar, MO 64759 County: Barton Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $124.5 mil Equity capital: $12.0 mil Deposits held in domestic offices: $111.9 mil Return on assets (ROA): 2.25% ($2.8 mil) Quarterly return on assets: 2.11% ($2.6 mil) Return on Equity (ROE): 23.38% ($2.8 mil) Quarterly return on equity: 21.57% ($2.6 mil) Net income: $2.7 mil Quarterly Net income: $0.7 mil Pretax return on assets: 2.25% ($2,802.4 mil) Quarterly Pretax return on assets: 2.11% ($2,628.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
29Total employees (full-time equivalent)
$124,549Total assets
$12,900Cash and due from depository institutions
$9,630Interest-bearing balances
$20,960Securities
$0Federal funds sold & reverse repurchase agreements
$85,527Net loans & leases
$1,032Loan loss allowance
$0Trading account assets
$754Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$124,549Life insurance assets
$4,408All other assets
$112,532Total liabilities and capital
$111,918Total liabilities
$99,186Total deposits
$111,918Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$614Subordinated debt
$12,017All other liabilities
$12,017Total equity capital
$12,017Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$300Surplus
$11,567Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$180Income earned, not collected on loans
$0Earning assets
$814Long-term assets (5+ years)
$116,117Average Assets, year-to-date
$13,229Average Assets, quarterly
$122,299Volatile liabilities
$123,049Insider loans
$80,741FHLB advances
$122,581Loans and leases held for sale
$2,916Unused loan commitments
$1,665Tier 1 (core) risk-based capital
$11,618Tier 2 risk-based capital
$102Total risk weighted assets
$1,149Total unused commitments
$8,363Restructured Loans and leases
$1,024Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,677Total interest income
$1,045Total interest expense
$4,632Net interest income
$98Provision for loan and lease losses
$1,217Total noninterest income
$0Fiduciary activities
$816Service charges on deposit accounts
$0Trading account gains & fees
$401Additional noninterest income
$2,999Total noninterest expense
$1,832Salaries and employee benefits
$192Premises and equipment expense
$975Additional noninterest expense
$2,752Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
$2,748Income before extraordinary items
$0Extraordinary gains - net
$2,748Net income attributable to bank
$0Net charge-offs
$2,748Cash dividends
$44Sale, conversion, retirement of capital stock, net
$2,340Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.97%Yield on earning assets
0.91%Cost of funding earning assets
4.05%Net interest margin
1.07%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
2.25%Net operating income to assets
2.25%Return on assets (ROA)
2.25%Pretax return on assets
23.38%Return on equity (ROE)
3.47%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
222.73%Credit loss provision to net charge-offs
64.77%Efficiency ratio
51,274Assets per employee
4.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
85.15%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
573.33%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.21%Net loans and leases to deposits
76.42%Net loans and leases to core deposits
82.98%Equity capital to assets
9.65%Core capital (leverage) ratio
9.48%Tier 1 risk-based capital ratio
14.39%Total risk-based capital ratio
Memoranda
$16Average assets
$122,299Average earning assets
$11,756Average equity
$114,252Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1322
Lamar Bank And Trust Company
1000 Broadway, Lamar, MO 64759
March 25, 1925
Full Service Brick and Mortar
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