Landmark National Bank

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Financial Highlights
Custom Periods
Period Ended
2017 FQ1 YTD
3/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 923,017 911,382 878,376 863,470 828,755
Total Net Loans 426,543 425,978 434,388 426,861 421,880
Total Deposits 752,686 741,521 714,727 704,555 687,486
Equity Attributable to Parent Company 86,669 84,951 80,570 71,645 62,692
Total Equity 86,669 84,951 80,570 71,645 62,692
Profitability (%)
Net Income($000) 2,205 8,961 10,506 8,049 4,655
Net Income Attributable to Parent($000) 2,205 8,961 10,506 8,049 4,655
ROAA 0.97 1 1.21 0.96 0.70
Core ROAA 0.94 0.99 1.23 1 0.91
ROAE 10.32 10.34 13.81 11.89 7.33
ROATCE 13.48 13.52 18.96 17.49 9.94
Core ROAE 10.10 10.17 14.08 12.31 9.61
Net Interest Margin 3.33 3.45 3.51 3.47 3.40
Reported: Net Interest Margin 3.38 3.45 3.51 3.47 3.40
Efficiency Ratio 67 67.67 64.55 66.70 67.45
Noninterest Inc/ Operating Rev 35.43 35.44 39.46 37.77 36
Balance Sheet Ratios (%)
Loans/ Deposits 56.24 57.42 59.58 59.83 61.03
Securities/ Assets 42.70 41.89 39.72 40.32 35.85
Total Equity/ Total Assets 9.39 9.32 9.17 8.30 7.56
Tangible Equity/ Tangible Assets 7.53 7.42 7.16 6.19 5.28
Tang Common Equity/ Tang Assets 7.53 7.42 7.16 6.19 5.28
Asset Quality (%)
NPAs/ Assets 0.81 0.88 0.89 1.27 2.07
NPA Excl Restructured/ Assets 0.40 0.44 0.36 0.73 1.24
NPAs & 90+ PD/ Assets 0.81 0.88 0.89 1.27 2.07
NPAs/ Loans & REO 1.74 1.85 1.78 2.53 4.01
Nonaccrual & 90+ & OREO/ Assets 0.40 0.44 0.36 0.73 1.24
NPAs & 90+ PD/ Loans & REO 1.74 1.85 1.78 2.53 4.01
NPA & Loans 90+/ Tangible Common Equity + LLR 10.24 11.18 11.61 19.04 35.54
NCOs/ Avg Loans 0.06 0.25 (0.30) 0.19 (0.05)
Loan Loss Reserves/ Gross Loans 1.23 1.24 1.34 1.23 1.30
Reserves/ NPAs 70.85 66.73 75.56 48.55 32.29
Loan Loss Provision/ NCO 74.63 46.38 NM 73.17 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 69,609 68,263 60,375 50,421 43,940
Tier 1 Capital($000) 90,260 88,819 80,401 67,228 58,605
Tier 2 Capital($000) 5,641 5,777 6,813 NA NA
Total Capital($000) 95,901 94,596 87,214 76,864 69,888
Total Risk-weighted Assets($000) 516,037 512,480 546,322 507,042 504,722
Tier 1 Common Capital (CET1) Ratio(%) 13.49 13.32 11.05 9.94 8.71
Tier 1 Ratio(%) 17.49 17.33 14.72 13.26 11.61
Total Capital Ratio(%) 18.58 18.46 15.96 15.16 13.85
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.05 10.04 9.43 8.06 7.89
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 3,869,922 3,868,077 3,707,588 3,674,900 3,635,610
Avg Diluted Shares(actual) 3,948,948 3,872,059 3,792,646 3,730,052 3,625,063
Basic Book Value per Share 22.40 21.96 21.73 19.50 17.24
As-reported Book Value per Share 22.40 21.96 21.73 19.50 17.24
Basic Tangible Book Value per Share 17.59 17.14 16.61 14.21 11.75
Common Dividends Declared per Share 0.20 0.76 0.69 0.66 0.63
EPS after Extra 0.56 2.31 2.77 2.16 1.29
EPS after Extra Growth(%) (11.10) (16.60) 28.40 67.70 (27.60)
Core EPS 0.55 2.27 2.82 2.24 1.69
Core EPS Growth(%) (14.70) (19.60) 26.40 32.50 (5.80)
Diluted EPS before Amortization 0.58 2.39 2.88 2.30 1.38
Pre-Provision Earnings per Share 0.46 1.88 2.33 2.02 1.45
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.