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

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

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 52Total employees (full-time equivalent)
  • $239,398Total assets
  • $20,935Cash and due from depository institutions
  • $13,457Interest-bearing balances
  • $124,991Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $80,081Net loans & leases
  • $3,258Loan loss allowance
  • $0Trading account assets
  • $2,451Bank premises and fixed assets
  • $88Other real estate owned
  • $689Goodwill and other intangibles
  • $239,398Life insurance assets
  • $10,163All other assets
  • $195,327Total liabilities and capital
  • $193,970Total liabilities
  • $153,596Total deposits
  • $193,970Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $649Trading liabilities
  • $0Other borrowed funds
  • $708Subordinated debt
  • $44,071All other liabilities
  • $44,071Total equity capital
  • $44,071Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $800Surplus
  • $42,471Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,675Income earned, not collected on loans
  • $0Earning assets
  • $1,574Long-term assets (5+ years)
  • $218,529Average Assets, year-to-date
  • $68,734Average Assets, quarterly
  • $243,839Volatile liabilities
  • $242,498Insider loans
  • $113,042FHLB advances
  • $244,540Loans and leases held for sale
  • $6,692Unused loan commitments
  • $4,683Tier 1 (core) risk-based capital
  • $41,785Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,009Total unused commitments
  • $2,692Restructured Loans and leases
  • $1,019Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,395Total interest income
  • $1,363Total interest expense
  • $8,032Net interest income
  • $892Provision for loan and lease losses
  • $1,706Total noninterest income
  • $0Fiduciary activities
  • $907Service charges on deposit accounts
  • $0Trading account gains & fees
  • $799Additional noninterest income
  • $5,320Total noninterest expense
  • $2,869Salaries and employee benefits
  • $540Premises and equipment expense
  • $1,911Additional noninterest expense
  • $3,526Pre-tax net operating income
  • $0Securities gains (losses)
  • $995Applicable income taxes
  • $2,531Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,531Net income attributable to bank
  • $0Net charge-offs
  • $2,531Cash dividends
  • $189Sale, conversion, retirement of capital stock, net
  • $1,800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.21%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 2.38%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 5.76%Return on equity (ROE)
  • 1.66%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 471.96%Credit loss provision to net charge-offs
  • 23.38%Efficiency ratio
  • 52,824Assets per employee
  • 4.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.12%Loss allowance to loans
  • 3.91%Loss allowance to noncurrent loans
  • 121.79%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 3.21%Net loans and leases to deposits
  • 41.29%Net loans and leases to core deposits
  • 41.93%Equity capital to assets
  • 18.41%Core capital (leverage) ratio
  • 17.09%Tier 1 risk-based capital ratio
  • 36.96%Total risk-based capital ratio
  • Memoranda
  • $38Average assets
  • $243,839Average earning assets
  • $43,922Average equity
  • $223,163Average loans

List of branches

  • 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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