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The Katy Depot Denison, Texas
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Statement of Condition

Kevin Gibbens

At Landmark Bank, we practice conservative, traditional banking. We safeguard your deposits, and we make responsible loans at fair rates. It is a formula that has worked for us since our bank opened in 1865. It is also the kind of banking that provides the safest, most secure place for your money.

We are proud of the service and security we provide to the communities we serve, and are happy to offer you a copy of our balance sheet and income statement.

If you have any questions, please do not hesitate to ask us. We’re here for you.

We have watched the nation’s economic ups and downs since 1865. From the reconstruction through the depression, through challenge and prosperity, we have managed for the long term.

Performance Ratios YTD
Dec 2016
Net Interest Margin 3.88%
Return on Assets 1.06%
Return on Equity 12.45%
Total Risk-based Capital 13.96%

Steady, stable growth
We have carefully grown our bank through local deposits and responsible local lending. It is a conservative approach and it has kept us strong and secure for almost 150 years.

The foundation of our business sits on the strong relationships we have built. Our bankers are fiercely loyal to their customers and always available for a face to face meeting. The confidence our customers have in Landmark Bank grows from this loyalty, and is the key to successful community banking.

Local, involved family ownership
The Landrum family has been building their banking organization for four generations. Their steady leadership, along with strong local directors and shareholders, means Landmark Bank reacts firmly and appropriately as local economic conditions warrant.

Our numbers
We are considered “well capitalized” as defined by national banking regulators.

Income Statement Dec 2016 YTD
Total interest income $ 93,313,041
Total interest expense 7,722,261
Net interest income before provision 85,590,780
Provision for Losses 4,471,976
Net interest income after provision 81,118,804
Total non-interest income 35,109,091
Total non-interest expense 85,054,939
Income before income taxes and extraordinary items and other adjustments 31,172,957
Applicable income taxes 4,327,845
Net income 26,845,112


Summary Balance Sheet -
Statement of Condition
January 1 - 
December 31, 2016
Cash & Due From Banks $ 48,728,161
Investment Securities 864,425,798
Temporary Investments 12,943,309
Net Loans & Leases 1,497,804,827
Other Assets 121,755,960
Total Assets 2,545,658,055
Deposits 2,132,190,273
Borrowings 81,913,795
Other Liabilities 30,528,410
Total Liabilities 2,309,974,461
Total Capital 228,278,005
Total Liabilities + Capital 2,545,658,055
© 2008-2016 Landmark Bank, N.A. | All rights reserved
Member FDIC
Equal Housing Lender

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