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



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The Liberty National Bank in Paris routing number info

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The Liberty National Bank in Paris
GeneralFDIC Certificate #: 3384
Status: Active
Federal Reserve ID: 1669
Bank Holding Company (Regulatory Top Holder): Paris Bancshares, Inc. (RSSDID: 2465283, Location: Paris, TX)
Date Established: April 17, 1931
WWW: http://www.lnbparis.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 #: 11946
FDIC's unique #: 2200
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: No
Asset Concentration Hierarchy: Other Specialized Lending < 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: 305 Lamar Avenue, Paris, TX 75460
County: Lamar
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Dallas
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Paris, TX (#37580)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $239.4 mil
Equity capital: $44.1 mil
Deposits held in domestic offices: $194.0 mil
Return on assets (ROA): 1.04% ($2.5 mil)
Quarterly return on assets: 0.89% ($2.1 mil)
Return on Equity (ROE): 5.76% ($2.5 mil)
Quarterly return on equity: 4.80% ($2.1 mil)
Net income: $2.5 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.45% ($3,471.3 mil)
Quarterly Pretax return on assets: 1.45% ($3,471.3 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)52
Total assets$239,398
Cash and due from depository institutions$20,935
Interest-bearing balances$13,457
Securities$124,991
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$80,081
Loan loss allowance $3,258
Trading account assets$0
Bank premises and fixed assets$2,451
Other real estate owned$88
Goodwill and other intangibles$689
All other assets$10,163
Life insurance assets$239,398
Total liabilities and capital$195,327
Total liabilities$193,970
Total deposits$153,596
Interest-bearing deposits$193,970
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$649
Other borrowed funds $0
Subordinated debt $708
All other liabilities $44,071
Total equity capital$44,071
Total bank equity capital$44,071
Perpetual preferred stock$0
Common stock$800
Surplus$800
Undivided profits $42,471
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 $2,675
Earning assets $0
Long-term assets (5+ years) $1,574
Average Assets, year-to-date $218,529
Average Assets, quarterly $68,734
Volatile liabilities $243,839
Insider loans $242,498
FHLB advances $113,042
Loans and leases held for sale $244,540
Unused loan commitments $6,692
Tier 1 (core) risk-based capital $4,683
Tier 2 risk-based capital $41,785
Total risk weighted assets $0
Total unused commitments $2,009
Restructured Loans and leases $2,692
Derivatives$1,019
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,395
Total interest expense $1,363
Net interest income $8,032
Provision for loan and lease losses $892
Total noninterest income $1,706
Fiduciary activities $0
Service charges on deposit accounts $907
Trading account gains & fees $0
Additional noninterest income $799
Total noninterest expense $5,320
Salaries and employee benefits $2,869
Premises and equipment expense $540
Additional noninterest expense $1,911
Pre-tax net operating income $3,526
Securities gains (losses) $0
Applicable income taxes $995
Income before extraordinary items $2,531
Extraordinary gains - net $0
Net income attributable to bank $2,531
Net charge-offs $0
Cash dividends $2,531
Sale, conversion, retirement of capital stock, net $189
Net operating income $1,800
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.21%
Cost of funding earning assets 0.61%
Net interest margin 3.60%
Noninterest income to earning assets 0.76%
Noninterest expense to earning assets 2.38%
Net operating income to assets 1.04%
Return on assets (ROA) 1.04%
Pretax return on assets 1.45%
Return on equity (ROE) 5.76%
Retained earnings to average equity (YTD only) 1.66%
Net charge-offs to loans 0.23%
Credit loss provision to net charge-offs 471.96%
Efficiency ratio23.38%
Assets per employee$52,824
Cash dividends to net income (YTD only)4.60%
Condition Ratios (%)
Loss allowance to loans 71.12%
Loss allowance to noncurrent loans 3.91%
Noncurrent assets plus other real estate owned to assets 121.79%
Noncurrent loans to loans 1.15%
Net loans and leases to deposits3.21%
Net loans and leases to core deposits 41.29%
Equity capital to assets 41.93%
Core capital (leverage) ratio 18.41%
Tier 1 risk-based capital ratio 17.09%
Total risk-based capital ratio 36.96%
Memoranda
Average assets$38
Average earning assets$243,839
Average equity $43,922
Average loans $223,163
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3 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02200The Liberty National Bank In Paris305 Lamar Avenue, Paris, TX 75460April 17, 1931Full Service Brick and Mortar
244584Paris Branch140 North Collegiate Drive, Paris, TX 75460January 01, 1973Full Service Brick and Mortar
3429592West Paris Branch1929 Bonham St, Paris, TX 75460May 03, 2004Full Service Brick and Mortar
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