Landmark National Bank

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Financial Highlights
Custom Periods
Period Ended
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 1,008,731 985,784 929,454 911,382 878,376
Total Net Loans 535,182 494,116 440,278 425,978 434,388
Total Deposits 833,754 823,648 765,558 741,521 714,727
Equity Attributable to Parent Company 106,038 91,901 87,622 84,951 80,570
Total Equity 106,038 91,901 87,622 84,951 80,570
Profitability (%)
Net Income($000) 7,394 10,426 4,369 8,961 10,506
Net Income Attributable to Parent($000) 7,394 10,426 4,369 8,961 10,506
ROAA 0.99 1.09 0.47 1 1.21
Core ROAA 1.03 1.12 0.42 0.99 1.23
ROAE 9.99 12.09 4.98 10.34 13.81
ROATCE 12.44 15.63 6.59 13.52 18.96
Core ROAE 10.32 12.40 4.43 10.17 14.08
Net Interest Margin 3.42 3.37 3.40 3.45 3.51
Reported: Net Interest Margin 3.43 3.37 3.40 3.45 3.51
Efficiency Ratio 68.61 67.50 86.11 67.67 64.55
Noninterest Inc/ Operating Rev 34.84 35.97 36.13 35.44 39.46
Balance Sheet Ratios (%)
Loans/ Deposits 63.14 60.12 57.37 57.42 59.58
Securities/ Assets 36.60 39.15 41.40 41.89 39.72
Total Equity/ Total Assets 10.51 9.32 9.43 9.32 9.17
Tangible Equity/ Tangible Assets 8.89 7.62 7.60 7.42 7.16
Tang Common Equity/ Tang Assets 8.89 7.62 7.60 7.42 7.16
Asset Quality (%)
NPAs/ Assets 0.95 0.89 1.10 0.88 0.89
NPA Excl Restructured/ Assets 0.64 0.53 0.70 0.44 0.36
NPAs & 90+ PD/ Assets 0.95 0.89 1.10 0.88 0.89
NPAs/ Loans & REO 1.77 1.75 2.29 1.85 1.78
Nonaccrual & 90+ & OREO/ Assets 0.64 0.53 0.70 0.44 0.36
NPAs & 90+ PD/ Loans & REO 1.77 1.75 2.29 1.85 1.78
NPA & Loans 90+/ Tangible Common Equity + LLR 10.16 10.97 13.65 11.18 11.61
NCOs/ Avg Loans 0.13 0.24 0.08 0.25 (0.30)
Loan Loss Reserves/ Gross Loans 1.16 1.15 1.22 1.24 1.34
Reserves/ NPAs 65.52 66.07 53.54 66.73 75.56
Loan Loss Provision/ NCO 205.76 127.97 134.33 46.38 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 83,358 78,150 68,269 68,263 60,375
Tier 1 Capital($000) 104,358 99,150 88,605 88,819 80,401
Tier 2 Capital($000) 6,419 5,905 5,603 5,777 6,813
Total Capital($000) 110,777 105,055 94,208 94,596 87,214
Total Risk-weighted Assets($000) 645,186 595,793 532,007 512,480 546,322
Tier 1 Common Capital (CET1) Ratio(%) 12.92 13.12 12.83 13.32 11.05
Tier 1 Ratio(%) 16.18 16.64 16.65 17.33 14.72
Total Capital Ratio(%) 17.17 17.63 17.71 18.46 15.96
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.63 10.34 9.80 10.04 9.43
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 4,375,532 4,372,116 4,285,742 4,264,555 4,087,615
Avg Diluted Shares(actual) 4,387,370 4,365,822 4,342,728 4,268,945 4,181,393
Basic Book Value per Share 24.23 21.02 20.45 19.92 19.71
Book Value per Share, As Reported 24.23 21.02 20.45 19.91 19.71
Basic Tangible Book Value per Share 20.13 16.87 16.16 15.54 15.06
Common Dividends Declared per Share 0.60 0.76 0.73 0.69 0.63
EPS after Extra 1.69 2.39 1.01 2.10 2.51
EPS after Extra Growth(%) (7.60) 136.70 (51.80) (16.60) 28.40
Core EPS 1.75 2.45 0.90 2.06 2.56
Core EPS Growth(%) (6.10) 173.40 (56.50) (19.60) 26.40
Diluted EPS before Amortization 1.73 2.45 1.08 2.17 2.62
Pre-Provision Earnings per Share 1.80 2.35 0.51 1.70 2.12
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.