The First National Bank of Livingston in Livingston, Texas (TX)



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The First National Bank of Livingston routing number info

Table of contents:
The First National Bank of Livingston
GeneralFDIC Certificate #: 3305
Status: Active
Federal Reserve ID: 630658
Bank Holding Company (Regulatory Top Holder): Fnb Company (RSSDID: 2504285, Location: Livingston, TX)
Date Established: March 17, 1902
WWW: http://www.fnblivingston.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 15937
FDIC's unique #: 2141
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 10, 2006
Last Structure Change Process Date: July 16, 2007
Last Data Update: July 16, 2007
Data Source Date: April 05, 2012
LocationAddress: 2121 Highway 190 West, 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
History of ChangesChange in Location
Financial SummaryTotal assets: $290.6 mil
Equity capital: $48.4 mil
Deposits held in domestic offices: $240.5 mil
Return on assets (ROA): 1.60% ($4.7 mil)
Quarterly return on assets: 1.48% ($4.3 mil)
Return on Equity (ROE): 9.83% ($4.7 mil)
Quarterly return on equity: 8.95% ($4.3 mil)
Net income: $4.5 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.60% ($4,649.5 mil)
Quarterly Pretax return on assets: 1.51% ($4,387.9 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)89
Total assets$290,592
Cash and due from depository institutions$65,517
Interest-bearing balances$62,600
Securities$124,887
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$86,434
Loan loss allowance $1,694
Trading account assets$0
Bank premises and fixed assets$6,865
Other real estate owned$640
Goodwill and other intangibles$3,032
All other assets$3,217
Life insurance assets$290,592
Total liabilities and capital$242,187
Total liabilities$240,522
Total deposits$166,766
Interest-bearing deposits$240,522
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,665
All other liabilities $48,405
Total equity capital$48,405
Total bank equity capital$48,405
Perpetual preferred stock$0
Common stock$479
Surplus$12,444
Undivided profits $35,482
Memoranda
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 $74
Earning assets $0
Long-term assets (5+ years) $1,317
Average Assets, year-to-date $273,921
Average Assets, quarterly $117,021
Volatile liabilities $282,820
Insider loans $291,965
FHLB advances $113,814
Loans and leases held for sale $282,670
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $39,165
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,695
Derivatives$2,131
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,014
Total interest expense $920
Net interest income $9,094
Provision for loan and lease losses $270
Total noninterest income $4,662
Fiduciary activities $0
Service charges on deposit accounts $2,346
Trading account gains & fees $0
Additional noninterest income $2,316
Total noninterest expense $8,949
Salaries and employee benefits $4,664
Premises and equipment expense $1,386
Additional noninterest expense $2,899
Pre-tax net operating income $4,537
Securities gains (losses) $0
Applicable income taxes $20
Income before extraordinary items $4,517
Extraordinary gains - net $0
Net income attributable to bank $4,517
Net charge-offs $0
Cash dividends $4,517
Sale, conversion, retirement of capital stock, net $125
Net operating income $2,830
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.76%
Cost of funding earning assets 0.35%
Net interest margin 3.42%
Noninterest income to earning assets 1.75%
Noninterest expense to earning assets 3.36%
Net operating income to assets 1.60%
Return on assets (ROA) 1.60%
Pretax return on assets 1.60%
Return on equity (ROE) 9.83%
Retained earnings to average equity (YTD only) 3.67%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 216.00%
Efficiency ratio38.46%
Assets per employee$65,055
Cash dividends to net income (YTD only)3.27%
Condition Ratios (%)
Loss allowance to loans 62.65%
Loss allowance to noncurrent loans 1.92%
Noncurrent assets plus other real estate owned to assets 2289.19%
Noncurrent loans to loans 0.25%
Net loans and leases to deposits0.08%
Net loans and leases to core deposits 35.94%
Equity capital to assets 36.32%
Core capital (leverage) ratio 16.66%
Tier 1 risk-based capital ratio 13.86%
Total risk-based capital ratio 34.41%
Memoranda
Average assets$36
Average earning assets$282,820
Average equity $45,932
Average loans $266,066
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3 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02141The First National Bank Of Livingsto2121 Highway 190 West, Livingston, TX 77351March 17, 1902Full Service Brick and Mortar
4260272Onalaska BranchHighway 190 And Fm 3186, Onalaska, TX 77360August 08, 1990Full Service Brick and Mortar
5465408308 West Church Branch308 West Church, Livingston, TX 77351October 10, 2006Full Service Brick and Mortar
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