PackageTrendsPeer
Letter portraitLegal landscape

Lamar Bank, The

Purvis, MS · Cert 11421

FDIC

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lamar Bank, The

Purvis, MS · Cert 11421

FDIC

Q2 2001

$424.2MAssets
$210.0MLoans
$317.7MDeposits
$33.7MEquity
Deposit mix
87%Interest-bearing $275.3M13%Noninterest $42.5MQ2 2000Q2 2001

NIM

7.44%Q1 ’017.23%Q2 ’01-3%

Non-interest income vs. expense

2.45%Q1 ’012.85%Q2 ’01+21%

Executive Summary

  • Earnings: ROA of -0.28%, down 127 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.39%.
  • Funding: loans stand at 66.10% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.28%-127 bps YoY

Net Interest Margin (YTD, annualized)

2.78%

Efficiency Ratio (YTD, annualized)

77.96%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.98%0.93%0.71%0.66%-0.28%-127 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.85%2.78%n/a
Efficiency Ration/an/an/a66.77%77.96%n/a
Non-Interest Burdenn/an/an/a1.63%1.97%n/a
Growth
Asset Growth (YoY)3.24%0.10%0.43%5.14%4.84%+160 bps
Loan Growth (YoY)3.38%-2.52%-6.15%-5.33%-7.98%-1,135 bps
Deposit Growth (YoY)1.67%0.78%-0.74%5.06%5.23%+355 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.23%0.39%n/a
Allowance / Loansn/an/an/a2.67%3.97%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a15.36%14.03%n/a
Equity / Assetsn/an/an/a8.09%7.95%n/a
Liquidity & Funding
Loans / Deposits75.58%73.57%70.38%65.40%66.10%-948 bps
Liquid Assets / Assets0.00%0.00%0.00%14.78%7.83%+783 bps
CRE / Total Capitaln/an/an/an/an/an/an/a