The Bank of Livingston in Livingston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 11, 1998

  • The Bank of Livingston in Livingston, Texas (TX)
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The Bank of Livingston - Overview

  • General
  • FDIC Certificate #: 26845
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The First National Bank of Livingston (#3305)
    Federal Reserve ID: 1007453
    Date Established: December 09, 1986
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    OTS Docket #: 10547
    FDIC's unique #: 36087
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 09, 1986
    Last Structure Change Effective Date: September 11, 1998
    Last Structure Change Process Date: September 23, 1998
    Last Data Update: September 23, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 1700 West Church Street, Livingston, TX 77351
    County: Polk
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $53.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $51,406Total assets
  • $13,578Cash and due from depository institutions
  • $11,387Interest-bearing balances
  • $20,537Securities
  • $3,145Federal funds sold & reverse repurchase agreements
  • $12,448Net loans & leases
  • $150Loan loss allowance
  • $0Trading account assets
  • $1,354Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $344All other assets
  • $51,406Total liabilities and capital
  • $46,807Total liabilities
  • $46,526Total deposits
  • $37,641Interest-bearing deposits
  • $46,526Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $281All other liabilities
  • $4,599Total equity capital
  • $4,599Total bank equity capital
  • $4,599Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,000Undivided profits
  • Memoranda
  • $2,599Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $78Earning assets
  • $0Long-term assets (5+ years)
  • $76Average Assets, year-to-date
  • $47,517Average Assets, quarterly
  • $9,885Volatile liabilities
  • $50,002Insider loans
  • $50,693FHLB advances
  • $3,963Loans and leases held for sale
  • $235Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $785Total unused commitments
  • $0Restructured Loans and leases
  • $18,999Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $3,405Total interest income
  • $1,434Total interest expense
  • $1,971Net interest income
  • $93Provision for loan and lease losses
  • $660Total noninterest income
  • $0Fiduciary activities
  • $510Service charges on deposit accounts
  • $0Trading account gains & fees
  • $150Additional noninterest income
  • $1,582Total noninterest expense
  • $853Salaries and employee benefits
  • $221Premises and equipment expense
  • $508Additional noninterest expense
  • $956Pre-tax net operating income
  • $0Securities gains (losses)
  • $325Applicable income taxes
  • $631Income before extraordinary items
  • $0Extraordinary gains - net
  • $631Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $96Sale, conversion, retirement of capital stock, net
  • $225Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.41%Yield on earning assets
  • 3.12%Cost of funding earning assets
  • 4.29%Net interest margin
  • 1.44%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.91%Pretax return on assets
  • 14.61%Return on equity (ROE)
  • 9.40%Retained earnings to average equity (YTD only)
  • 0.74%Net charge-offs to loans
  • 96.88%Credit loss provision to net charge-offs
  • 10.93%Efficiency ratio
  • 60,129Assets per employee
  • 2.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.66%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 192.31%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 26.75%Net loans and leases to core deposits
  • 29.25%Equity capital to assets
  • 8.95%Core capital (leverage) ratio
  • 8.94%Tier 1 risk-based capital ratio
  • 24.02%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $50,002Average earning assets
  • $4,319Average equity
  • $45,969Average loans

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