FDIC 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 WWW:http://www.lamarnational.com 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
Location
Address: 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 Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total 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
32Total employees (full-time equivalent)
$131,855Total assets
$15,987Cash and due from depository institutions
$6,898Interest-bearing balances
$43,769Securities
$6,700Federal funds sold & reverse repurchase agreements
$58,422Net loans & leases
$596Loan loss allowance
$0Trading account assets
$2,345Bank premises and fixed assets
$98Other real estate owned
$0Goodwill and other intangibles
$131,855Life insurance assets
$4,534All other assets
$117,829Total liabilities and capital
$116,032Total liabilities
$95,177Total deposits
$116,032Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,797Subordinated debt
$14,026All other liabilities
$14,026Total equity capital
$14,026Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$1,356Surplus
$11,670Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$86Income earned, not collected on loans
$0Earning assets
$619Long-term assets (5+ years)
$115,789Average Assets, year-to-date
$51,469Average Assets, quarterly
$128,589Volatile liabilities
$129,195Insider loans
$64,158FHLB advances
$131,909Loans and leases held for sale
$2,662Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,246Tier 2 risk-based capital
$0Total risk weighted assets
$2,662Total unused commitments
$4,021Restructured Loans and leases
$1,451Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,035Total interest income
$753Total interest expense
$4,282Net interest income
$23Provision for loan and lease losses
$937Total noninterest income
$0Fiduciary activities
$474Service charges on deposit accounts
$0Trading account gains & fees
$463Additional noninterest income
$3,574Total noninterest expense
$1,747Salaries and employee benefits
$325Premises and equipment expense
$1,502Additional noninterest expense
$1,622Pre-tax net operating income
$205Securities gains (losses)
$0Applicable income taxes
$1,827Income before extraordinary items
$0Extraordinary gains - net
$1,827Net income attributable to bank
$0Net charge-offs
$1,827Cash dividends
$16Sale, conversion, retirement of capital stock, net
$1,317Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.47%Yield on earning assets
0.67%Cost of funding earning assets
3.80%Net interest margin
0.83%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
1.26%Net operating income to assets
1.42%Return on assets (ROA)
1.42%Pretax return on assets
13.26%Return on equity (ROE)
3.70%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
143.75%Credit loss provision to net charge-offs
102.81%Efficiency ratio
68,481Assets per employee
4.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
72.09%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
693.02%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.15%Net loans and leases to deposits
50.35%Net loans and leases to core deposits
56.73%Equity capital to assets
10.64%Core capital (leverage) ratio
10.04%Tier 1 risk-based capital ratio
20.65%Total risk-based capital ratio
Memoranda
$22Average assets
$128,589Average earning assets
$13,774Average equity
$112,652Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
16529
Lamar National Bank
200 South Collegiate, Paris, TX 75460
October 26, 1981
Full Service Brick and Mortar
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