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Statement of Condition

Kevin Gibbens
President

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.

Longevity
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
March 2014
Net Interest Margin 4.28%
Return on Assets 1.15%
Return on Equity 14.27%
Total Risk-based Capital 13.51%

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.

Relationships
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 March 2014 YTD
Total interest income $ 19,045,313
Total interest expense 1,110,616
Net interest income before provision 17,934,698
Provision for Losses 72,717
Net interest income after provision 17,861,981
Total non-interest income 7,114,644
Total non-interest expense 17,613,378
Income before income taxes and extraordinary items and other adjustments 7,363,247
Applicable income taxes 1,878,259
Net income 5,484,988

 

Summary Balance Sheet -
Statement of Condition
January 1 - 
March 31, 2014
Cash & Due From Banks $ 40,681,591
Investment Securities 564,160,161
Temporary Investments 7,800,781
Net Loans & Leases 1,202,586,495
Other Assets 122,816,433
Total Assets 1,938,045,462
Deposits 1,741,874,468
Borrowings 10,931,422
Other Liabilities 19,395,875
Total Liabilities 1,772,201,765
Total Capital 165,843,697
Total Liabilities + Capital 1,938,045,462
 
 
 
 
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