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Landmark Bancorp Inc (LARK) |
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Landmark Bancorp Inc's Customers Performance
LARK
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LARK's Source of Revenues |
Customers of Landmark Bancorp Inc saw their costs of revenue decrease by -5.77 % in Q4 compare to a year ago, sequentially costs of revenue were trimmed by -8.13 %, for the same period Landmark Bancorp Inc recorded revenue increase by 7.02 % year on year, sequentially revenue grew by 17.77 %.
• List of LARK Customers
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Customers of Landmark Bancorp Inc saw their costs of revenue decrease by -5.77 % in Q4 compare to a year ago, sequentially costs of revenue were trimmed by -8.13 %, for the same period Landmark Bancorp Inc recorded revenue increase by 7.02 % year on year, sequentially revenue grew by 17.77 %.
• List of LARK Customers
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Customers Net Income fell in Q4 by |
Customers Net margin fell to % |
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-43.07 % |
13.87 % |
Landmark Bancorp Inc's Comment on Sales, Marketing and Customers
The Bank’s primary deposit gathering and lending markets are geographically
diversified with locations in central, eastern, southeast, and southwest Kansas.
The primary industries within these respective markets are also diverse and dependent
upon a wide array of industry and governmental activity for their economic base.
The Bank’s markets have not been immune to the effects of the challenging
economic conditions of recent years; however, the effect has not been as severe
as those experienced in some areas of the United States. To varying degrees, the
Bank’s markets generally have experienced flat commercial and residential
real estate values, unemployment levels above historical norms and slow growth
in consumer spending. A brief description of the four geographic areas and the
communities which the Bank serves is set forth below.
The central region of the Bank’s market area consists of the Bank’s
locations in Auburn, Junction City, Manhattan, Osage City, Topeka and Wamego,
Kansas and includes the counties of Riley, Geary, Osage, Pottawatomie and Shawnee.
The economies are significantly impacted by employment at Fort Riley Military
Base in Junction City and Kansas State University, the second largest university
in Kansas, which is located in Manhattan. Topeka is the capital of Kansas and
strongly influenced by the government of the State of Kansas. Topeka and Manhattan
are regional destinations for retail shopping as well as home to regional hospitals.
Manhattan was also selected as the site of the new National Bio and Agro-Defense
Facility, which is expected to have a significant impact on the regional economy
as the facility is constructed and begins operations. Construction of the facility
began in 2013 and is expected to be completed in five to seven years. Additionally,
manufacturing and service industries also play a key role within the central Kansas
market.
The Bank’s eastern Kansas branches are located in the communities of Lawrence,
Lenexa, Louisburg, Osawatomie, Overland Park, Paola and Wellsville. The Bank’s
Lawrence locations are located in Douglas County and are significantly impacted
by the University of Kansas, the largest university in Kansas. The eastern region
is strongly influenced by the Kansas City metropolitan market, which is the highest
growth area in the State of Kansas. The region is influenced by public and private
industries and businesses of all sizes. In addition, housing growth and commercial
real estate are major drivers of the region’s economy. The Citizens Bank
acquisition in 2013 expanded the Bank’s presence in the eastern Kansas market
with branches in the Kansas City metropolitan suburbs of Lenexa and Overland Park.
The southeast region of the Bank’s market area consists of the Bank’s
locations in Fort Scott, Iola, Kincaid, Mound City and Pittsburg, Kansas. Agriculture,
oil, and gas are the predominant industries in the southeast Kansas region. Both
Fort Scott and Pittsburg are recognized as regional commercial centers within
the southeast region of the state, which attracts small retail businesses to the
region. Additionally, Pittsburg State University and Fort Scott Community College
attract a number of individuals from the surrounding area to live within the communities
to participate in educational programs and pursue a degree. Fort Scott is also
home to a regional hospital. Additionally, manufacturing and service industries
play a key role within the southeast Kansas market. This market area primarily
consists of branches acquired in the Citizens Bank acquisition.
The Bank’s southwest Kansas branches are located in the communities of Dodge
City in Ford County, Garden City in Finney County, Great Bend and Hoisington in
Barton County and LaCrosse in Rush County. Agriculture, oil, and gas are the predominant
industries in the southwest Kansas region. Predominant activities involve crop
production, feed lot operations, and food processing. Dodge City is known as the
“Cowboy Capital of the World” and maintains a significant tourism
industry. Both Dodge City and Garden City are recognized as regional commercial
centers within the state with small businesses, manufacturing, retail, and service
industries having a significant influence upon the local economies. Additionally,
the Dodge City, Garden City and Great Bend communities each have a community college
which attracts individuals from the surrounding areas.
Landmark Bancorp Inc's Comment on Sales, Marketing and Customers
The Bank’s primary deposit gathering and lending markets are geographically
diversified with locations in central, eastern, southeast, and southwest Kansas.
The primary industries within these respective markets are also diverse and dependent
upon a wide array of industry and governmental activity for their economic base.
The Bank’s markets have not been immune to the effects of the challenging
economic conditions of recent years; however, the effect has not been as severe
as those experienced in some areas of the United States. To varying degrees, the
Bank’s markets generally have experienced flat commercial and residential
real estate values, unemployment levels above historical norms and slow growth
in consumer spending. A brief description of the four geographic areas and the
communities which the Bank serves is set forth below.
The central region of the Bank’s market area consists of the Bank’s
locations in Auburn, Junction City, Manhattan, Osage City, Topeka and Wamego,
Kansas and includes the counties of Riley, Geary, Osage, Pottawatomie and Shawnee.
The economies are significantly impacted by employment at Fort Riley Military
Base in Junction City and Kansas State University, the second largest university
in Kansas, which is located in Manhattan. Topeka is the capital of Kansas and
strongly influenced by the government of the State of Kansas. Topeka and Manhattan
are regional destinations for retail shopping as well as home to regional hospitals.
Manhattan was also selected as the site of the new National Bio and Agro-Defense
Facility, which is expected to have a significant impact on the regional economy
as the facility is constructed and begins operations. Construction of the facility
began in 2013 and is expected to be completed in five to seven years. Additionally,
manufacturing and service industries also play a key role within the central Kansas
market.
The Bank’s eastern Kansas branches are located in the communities of Lawrence,
Lenexa, Louisburg, Osawatomie, Overland Park, Paola and Wellsville. The Bank’s
Lawrence locations are located in Douglas County and are significantly impacted
by the University of Kansas, the largest university in Kansas. The eastern region
is strongly influenced by the Kansas City metropolitan market, which is the highest
growth area in the State of Kansas. The region is influenced by public and private
industries and businesses of all sizes. In addition, housing growth and commercial
real estate are major drivers of the region’s economy. The Citizens Bank
acquisition in 2013 expanded the Bank’s presence in the eastern Kansas market
with branches in the Kansas City metropolitan suburbs of Lenexa and Overland Park.
The southeast region of the Bank’s market area consists of the Bank’s
locations in Fort Scott, Iola, Kincaid, Mound City and Pittsburg, Kansas. Agriculture,
oil, and gas are the predominant industries in the southeast Kansas region. Both
Fort Scott and Pittsburg are recognized as regional commercial centers within
the southeast region of the state, which attracts small retail businesses to the
region. Additionally, Pittsburg State University and Fort Scott Community College
attract a number of individuals from the surrounding area to live within the communities
to participate in educational programs and pursue a degree. Fort Scott is also
home to a regional hospital. Additionally, manufacturing and service industries
play a key role within the southeast Kansas market. This market area primarily
consists of branches acquired in the Citizens Bank acquisition.
The Bank’s southwest Kansas branches are located in the communities of Dodge
City in Ford County, Garden City in Finney County, Great Bend and Hoisington in
Barton County and LaCrosse in Rush County. Agriculture, oil, and gas are the predominant
industries in the southwest Kansas region. Predominant activities involve crop
production, feed lot operations, and food processing. Dodge City is known as the
“Cowboy Capital of the World” and maintains a significant tourism
industry. Both Dodge City and Garden City are recognized as regional commercial
centers within the state with small businesses, manufacturing, retail, and service
industries having a significant influence upon the local economies. Additionally,
the Dodge City, Garden City and Great Bend communities each have a community college
which attracts individuals from the surrounding areas.
LARK's vs. Customers, Data
(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)
| COMPANY NAME |
MARKET CAP |
REVENUES |
INCOME |
EMPLOYEES |
| Landmark Bancorp Inc |
107.87 |
52.58 |
9.88 |
291 |
| Genworth Financial Inc |
2,835.57 |
7,469.00 |
654.00 |
5,300 |
| Mgic Investment Corp |
4,458.99 |
1,162.13 |
844.88 |
800 |
| Mbia Inc |
399.45 |
154.00 |
-203.00 |
252 |
| American International Group Inc |
40,233.44 |
55,835.00 |
11,002.00 |
36,600 |
| D r Horton Inc |
36,804.28 |
33,658.30 |
5,225.40 |
13,237 |
| Kb Home |
3,963.84 |
6,903.78 |
816.67 |
1,590 |
| Lgi Homes Inc |
2,736.09 |
2,245.76 |
274.84 |
390 |
| William Lyon Homes |
956.78 |
2,115.68 |
104.87 |
585 |
| New Home Co Inc |
165.83 |
497.10 |
5.23 |
234 |
| Meritage Homes Corp |
4,345.01 |
1,691.75 |
906.24 |
1,409 |
| Nvr Inc |
19,363.73 |
10,326.30 |
1,643.83 |
6,600 |
| Beazer Homes Usa Inc |
637.30 |
2,339.91 |
200.19 |
1,063 |
| M d c Holdings Inc |
2,979.39 |
5,365.76 |
494.42 |
0 |
| Mi Homes Inc |
2,019.84 |
4,271.11 |
501.89 |
1,008 |
| Hovnanian Enterprises Inc |
600.23 |
2,872.28 |
219.40 |
2,078 |
| Toll Brothers Inc |
7,643.34 |
9,800.25 |
1,243.10 |
3,900 |
| Lennar Corp |
31,115.33 |
33,957.92 |
4,738.49 |
9,495 |
| Achari Ventures Holdings Corp I |
37.04 |
855.20 |
0.12 |
214 |
| Taylor Morrison Home Corp |
4,765.29 |
8,196.17 |
1,069.01 |
113 |
| Tri Pointe Homes Inc |
2,963.73 |
5,126.01 |
569.77 |
1,036 |
| Ucp, Inc. |
-181.42 |
411.95 |
16.28 |
173 |
| Wci Communities, Inc. |
0.00 |
0.00 |
0.00 |
689 |
| Century Communities Inc |
2,066.41 |
4,242.56 |
415.94 |
510 |
| Green Brick Partners Inc |
2,249.58 |
1,816.24 |
317.94 |
0 |
| Calatlantic Group, Inc. |
6,610.78 |
2,450.83 |
172.31 |
2,850 |
| Deer Valley Corp |
0.00 |
0.00 |
0.00 |
200 |
| Ryland Group Inc |
0.00 |
2,140.76 |
379.21 |
1,502 |
| Vanjia Corporation |
199.80 |
0.02 |
0.04 |
1 |
| Nobility Homes Inc |
80.91 |
57.88 |
9.13 |
129 |
| Mr Cooper Group Inc |
3,282.33 |
1,742.00 |
337.00 |
7,200 |
| Arch Capital Group Ltd |
26,809.60 |
10,840.98 |
2,001.99 |
5,200 |
| Essent Group Ltd |
4,802.59 |
1,027.03 |
854.81 |
366 |
| Nmi Holdings Inc |
2,143.06 |
532.68 |
299.68 |
243 |
| Radian Group Inc |
4,136.99 |
1,347.57 |
577.30 |
1,881 |
| SUBTOTAL |
221,225.15 |
221,453.91 |
35,692.98 |
106,848 |
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8.49 % 