First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Livingston, Texas (TX)
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First State Bank routing number info

First State Bank - Overview

General
FDIC Certificate #: 15898
Status: Active
Federal Reserve ID: 884358
Bank Holding Company (Regulatory Top Holder): East Texas Bancshares, Inc. (RSSDID: 1135909, Location: Livingston, TX)
Date Established: October 05, 1910
WWW: http://www.fsblivingston.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 11470
FDIC's unique #: 10130
Numeric code: 13
Regulator: FED
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: June 27, 1942
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: 112 West Polk Street, 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
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $289.9 mil
Equity capital: $41.0 mil
Deposits held in domestic offices: $240.3 mil
Return on assets (ROA): 1.25% ($3.6 mil)
Quarterly return on assets: 0.98% ($2.8 mil)
Return on Equity (ROE): 8.84% ($3.6 mil)
Quarterly return on equity: 6.77% ($2.8 mil)
Net income: $3.6 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.51% ($4,377.3 mil)
Quarterly Pretax return on assets: 1.19% ($3,449.6 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
83Total employees (full-time equivalent)
$289,886Total assets
$9,961Cash and due from depository institutions
$3,196Interest-bearing balances
$128,352Securities
$17,345Federal funds sold & reverse repurchase agreements
$125,383Net loans & leases
$1,120Loan loss allowance
$0Trading account assets
$4,809Bank premises and fixed assets
$15Other real estate owned
$0Goodwill and other intangibles
$289,887Life insurance assets
$4,021All other assets
$248,906Total liabilities and capital
$240,309Total liabilities
$190,546Total deposits
$240,309Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,000Trading liabilities
$0Other borrowed funds
$2,597Subordinated debt
$40,981All other liabilities
$40,981Total equity capital
$40,981Total bank equity capital
$0Perpetual preferred stock
$2,200Common stock
$5,800Surplus
$32,981Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,620Income earned, not collected on loans
$830Earning assets
$1,955Long-term assets (5+ years)
$274,276Average Assets, year-to-date
$105,828Average Assets, quarterly
$286,495Volatile liabilities
$286,519Insider loans
$131,036FHLB advances
$285,609Loans and leases held for sale
$585Unused loan commitments
$585Tier 1 (core) risk-based capital
$37,250Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,131Restructured Loans and leases
$2,616Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,483Total interest income
$2,046Total interest expense
$9,437Net interest income
$120Provision for loan and lease losses
$3,760Total noninterest income
$0Fiduciary activities
$2,352Service charges on deposit accounts
$0Trading account gains & fees
$1,408Additional noninterest income
$8,631Total noninterest expense
$4,745Salaries and employee benefits
$1,064Premises and equipment expense
$2,822Additional noninterest expense
$4,446Pre-tax net operating income
-$134Securities gains (losses)
$719Applicable income taxes
$3,593Income before extraordinary items
$0Extraordinary gains - net
$3,593Net income attributable to bank
$0Net charge-offs
$3,593Cash dividends
$101Sale, conversion, retirement of capital stock, net
$1,800Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.23%Yield on earning assets
0.75%Cost of funding earning assets
3.48%Net interest margin
1.38%Noninterest income to earning assets
3.18%Noninterest expense to earning assets
1.29%Net operating income to assets
1.25%Return on assets (ROA)
1.51%Pretax return on assets
8.84%Return on equity (ROE)
4.41%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
118.81%Credit loss provision to net charge-offs
45.21%Efficiency ratio
65,401Assets per employee
3.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.10%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
42.75%Noncurrent assets plus other real estate owned to assets
1.10%Noncurrent loans to loans
2.07%Net loans and leases to deposits
52.18%Net loans and leases to core deposits
59.00%Equity capital to assets
14.14%Core capital (leverage) ratio
13.04%Tier 1 risk-based capital ratio
28.43%Total risk-based capital ratio
Memoranda
$29Average assets
$286,495Average earning assets
$40,642Average equity
$271,519Average loans

List of branches

5 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	10130	First State Bank	112 West Polk Street, Livingston, TX 77351	October 05, 1910	Full Service Brick and Mortar
1	235756	Motor Bank Branch	600 North Jackson, Livingston, TX 77351	September 22, 1978	Limited Service Facility
2	235757	Shepherd Branch	Highway 59 South At Post Oak, Shepherd, TX 77371	July 03, 1995	Full Service Brick and Mortar
3	235758	West Branch	2300 Hwy 190 West, Livingston, TX 77351	July 06, 1998	Full Service Brick and Mortar
4	235759	Onalaska Branch	794 Hwy 190 West, Onalaska, TX 77360	Febuary 02, 1999	Full Service Brick and Mortar

First State Bank in Livingston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank in Livingston, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank in Livingston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches