The First National Bank of Livingston

The First National Bank of Livingston is headquartered in Livingston and is the 172^nd largest bank in the state of Texas. It is also the 2,197^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 89 employees at 3 locations. The First National Bank of Livingston has a 5-star health rating.

Data for Q1 2012

Institution Statistics The First National Bank of Livingston FDIC Certificate # 3305 BankRate Report View Year Established 1902 Employees 89 Primary Regulator OCC Assets and Liabilities Assets $297.54 million Loans $85.83 million Deposits $247.93 million Equity Capital $48.13 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $67,000 Historic Data - March 2011 Assets $277.02 million Equity Capital $44.50 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $26,000 Real Estate Owned $640,000 Profit Margin - Quarterly Net Interest Margin 3.12% Return on Assets 1.36% Return on Equity 8.31% Interest Income $2.35 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The First National Bank of Livingston had $67,000 in non-current loans and owned real-estate with $49.88 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Livingston a Texas Ratio of 0.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The First National Bank of Livingston decreased significantly from 1.44% as of March 31, 2011 to 0.13% as of March 31, 2012, resulting in a positive change of 90.70%.This indicates that the balance sheet and financial strength for The First National Bank of Livingston has improved significantly in recent periods. Deposit Growth In the past year, The First National Bank of Livingston has increased its total deposits by $16.74 million, resulting in 7.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The First National Bank of Livingston has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The First National Bank of Livingston has $297.54 million in assets with $49.88 million in equity, resulting in a capitalization level of 16.77%, which is excellent.

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