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

The First National Bank of Livingston - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 89Total employees (full-time equivalent)
  • $290,592Total assets
  • $65,517Cash and due from depository institutions
  • $62,600Interest-bearing balances
  • $124,887Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $86,434Net loans & leases
  • $1,694Loan loss allowance
  • $0Trading account assets
  • $6,865Bank premises and fixed assets
  • $640Other real estate owned
  • $3,032Goodwill and other intangibles
  • $290,592Life insurance assets
  • $3,217All other assets
  • $242,187Total liabilities and capital
  • $240,522Total liabilities
  • $166,766Total deposits
  • $240,522Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,665Subordinated debt
  • $48,405All other liabilities
  • $48,405Total equity capital
  • $48,405Total bank equity capital
  • $0Perpetual preferred stock
  • $479Common stock
  • $12,444Surplus
  • $35,482Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $74Income earned, not collected on loans
  • $0Earning assets
  • $1,317Long-term assets (5+ years)
  • $273,921Average Assets, year-to-date
  • $117,021Average Assets, quarterly
  • $282,820Volatile liabilities
  • $291,965Insider loans
  • $113,814FHLB advances
  • $282,670Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $39,165Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,695Restructured Loans and leases
  • $2,131Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,014Total interest income
  • $920Total interest expense
  • $9,094Net interest income
  • $270Provision for loan and lease losses
  • $4,662Total noninterest income
  • $0Fiduciary activities
  • $2,346Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,316Additional noninterest income
  • $8,949Total noninterest expense
  • $4,664Salaries and employee benefits
  • $1,386Premises and equipment expense
  • $2,899Additional noninterest expense
  • $4,537Pre-tax net operating income
  • $0Securities gains (losses)
  • $20Applicable income taxes
  • $4,517Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,517Net income attributable to bank
  • $0Net charge-offs
  • $4,517Cash dividends
  • $125Sale, conversion, retirement of capital stock, net
  • $2,830Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.76%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 3.42%Net interest margin
  • 1.75%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 1.60%Net operating income to assets
  • 1.60%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 9.83%Return on equity (ROE)
  • 3.67%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 216.00%Credit loss provision to net charge-offs
  • 38.46%Efficiency ratio
  • 65,055Assets per employee
  • 3.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.65%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 2289.19%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 35.94%Net loans and leases to core deposits
  • 36.32%Equity capital to assets
  • 16.66%Core capital (leverage) ratio
  • 13.86%Tier 1 risk-based capital ratio
  • 34.41%Total risk-based capital ratio
  • Memoranda
  • $36Average assets
  • $282,820Average earning assets
  • $45,932Average equity
  • $266,066Average loans

List of branches

  • 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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