The First Liberty National Bank in Liberty, Texas (TX)

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The First Liberty National Bank routing number info

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The First Liberty National Bank
GeneralFDIC Certificate #: 3301
Status: Active
Federal Reserve ID: 629353
Bank Holding Company (Regulatory Top Holder): First Liberty National Bancshares, Inc. (RSSDID: 1233627, Location: Liberty, TX)
Date Established: January 01, 1913
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 2137
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 1900 Sam Houston Street, Liberty, TX 77575
County: Liberty
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
Metropolitan Statistical Area (MSA): Houston, TX (#3360)
Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $286.9 mil
Equity capital: $33.0 mil
Deposits held in domestic offices: $244.7 mil
Return on assets (ROA): 1.68% ($4.8 mil)
Quarterly return on assets: 1.32% ($3.8 mil)
Return on Equity (ROE): 14.98% ($4.9 mil)
Quarterly return on equity: 11.29% ($3.7 mil)
Net income: $4.8 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.69% ($4,847.8 mil)
Quarterly Pretax return on assets: 1.34% ($3,843.8 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)74
Total assets$286,853
Cash and due from depository institutions$31,695
Interest-bearing balances$26,221
Federal funds sold & reverse repurchase agreements$1,360
Net loans & leases$115,048
Loan loss allowance $1,055
Trading account assets$0
Bank premises and fixed assets$3,434
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$3,865
Life insurance assets$286,853
Total liabilities and capital$253,860
Total liabilities$244,716
Total deposits$228,452
Interest-bearing deposits$244,716
Deposits held in domestic offices$79
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$8,500
Other borrowed funds $0
Subordinated debt $644
All other liabilities $32,993
Total equity capital$32,993
Total bank equity capital$32,993
Perpetual preferred stock$0
Common stock$2,000
Undivided profits $28,993
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $91
Earning assets $0
Long-term assets (5+ years) $1,422
Average Assets, year-to-date $274,080
Average Assets, quarterly $107,578
Volatile liabilities $282,565
Insider loans $280,114
FHLB advances $112,774
Loans and leases held for sale $278,341
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $30,829
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,830
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,686
Total interest expense $1,873
Net interest income $8,813
Provision for loan and lease losses $240
Total noninterest income $2,942
Fiduciary activities $80
Service charges on deposit accounts $1,820
Trading account gains & fees $0
Additional noninterest income $1,042
Total noninterest expense $7,144
Salaries and employee benefits $3,704
Premises and equipment expense $1,121
Additional noninterest expense $2,319
Pre-tax net operating income $4,371
Securities gains (losses) $393
Applicable income taxes $10
Income before extraordinary items $4,754
Extraordinary gains - net $0
Net income attributable to bank $4,754
Net charge-offs $0
Cash dividends $4,754
Sale, conversion, retirement of capital stock, net $226
Net operating income $3,081
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.96%
Cost of funding earning assets 0.69%
Net interest margin 3.27%
Noninterest income to earning assets 1.09%
Noninterest expense to earning assets 2.65%
Net operating income to assets 1.54%
Return on assets (ROA) 1.68%
Pretax return on assets 1.69%
Return on equity (ROE) 14.98%
Retained earnings to average equity (YTD only) 5.27%
Net charge-offs to loans 0.20%
Credit loss provision to net charge-offs 106.19%
Efficiency ratio20.40%
Assets per employee$60,774
Cash dividends to net income (YTD only)3.88%
Condition Ratios (%)
Loss allowance to loans 64.81%
Loss allowance to noncurrent loans 0.91%
Noncurrent assets plus other real estate owned to assets 1159.34%
Noncurrent loans to loans 0.03%
Net loans and leases to deposits0.08%
Net loans and leases to core deposits 47.01%
Equity capital to assets 48.80%
Core capital (leverage) ratio 11.50%
Tier 1 risk-based capital ratio 11.08%
Total risk-based capital ratio 27.34%
Average assets$28
Average earning assets$282,565
Average equity $31,730
Average loans $269,783
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$11,601
Number of Accounts1
Personal trust and agency accounts$8,418
Employee benefit-defined contribution accounts$8,418
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts72
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$3,183
Corporate trust and agency accounts$395
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$2,788
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02137The First Liberty National Bank1900 Sam Houston Street, Liberty, TX 77575January 01, 1913Full Service Brick and Mortar
1196347Dayton Financial Center Branch109 East Highway 90, Dayton, TX 77535April 01, 1998Full Service Brick and Mortar
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