The First Liberty National Bank in Liberty, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The First Liberty National Bank in Liberty, Texas (TX)
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The First Liberty National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 74Total employees (full-time equivalent)
  • $286,853Total assets
  • $31,695Cash and due from depository institutions
  • $26,221Interest-bearing balances
  • $131,451Securities
  • $1,360Federal funds sold & reverse repurchase agreements
  • $115,048Net loans & leases
  • $1,055Loan loss allowance
  • $0Trading account assets
  • $3,434Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $286,853Life insurance assets
  • $3,865All other assets
  • $253,860Total liabilities and capital
  • $244,716Total liabilities
  • $228,452Total deposits
  • $244,716Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,500Trading liabilities
  • $0Other borrowed funds
  • $644Subordinated debt
  • $32,993All other liabilities
  • $32,993Total equity capital
  • $32,993Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $2,000Surplus
  • $28,993Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $91Income earned, not collected on loans
  • $0Earning assets
  • $1,422Long-term assets (5+ years)
  • $274,080Average Assets, year-to-date
  • $107,578Average Assets, quarterly
  • $282,565Volatile liabilities
  • $280,114Insider loans
  • $112,774FHLB advances
  • $278,341Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $30,829Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,830Restructured Loans and leases
  • $2,930Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,686Total interest income
  • $1,873Total interest expense
  • $8,813Net interest income
  • $240Provision for loan and lease losses
  • $2,942Total noninterest income
  • $80Fiduciary activities
  • $1,820Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,042Additional noninterest income
  • $7,144Total noninterest expense
  • $3,704Salaries and employee benefits
  • $1,121Premises and equipment expense
  • $2,319Additional noninterest expense
  • $4,371Pre-tax net operating income
  • $393Securities gains (losses)
  • $10Applicable income taxes
  • $4,754Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,754Net income attributable to bank
  • $0Net charge-offs
  • $4,754Cash dividends
  • $226Sale, conversion, retirement of capital stock, net
  • $3,081Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.96%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 3.27%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.68%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 14.98%Return on equity (ROE)
  • 5.27%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 106.19%Credit loss provision to net charge-offs
  • 20.40%Efficiency ratio
  • 60,774Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.81%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 1159.34%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 47.01%Net loans and leases to core deposits
  • 48.80%Equity capital to assets
  • 11.50%Core capital (leverage) ratio
  • 11.08%Tier 1 risk-based capital ratio
  • 27.34%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $282,565Average earning assets
  • $31,730Average equity
  • $269,783Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,601Managed Assets
  • 1Number of Accounts
  • $8,418Personal trust and agency accounts
  • $8,418Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 72Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,183Other retirement accounts
  • $395Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,788Fiduciary accounts held in foreign offices

List of branches

  • 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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