The Liberty National Bank in Paris

The Liberty National Bank in Paris is headquartered in Paris and is the 204^th largest bank in the state of Texas. It is also the 2,592^nd largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 52 employees at 3 locations. The Liberty National Bank in Paris has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Liberty National Bank in Paris FDIC Certificate # 3384 BankRate Report View Year Established 1931 Employees 52 Primary Regulator OCC Assets and Liabilities Assets $247.64 million Loans $79.99 million Deposits $202.26 million Equity Capital $44.68 million Loan Loss Allowance $3.25 million Unbacked Noncurrent Loans $2.25 million Real Estate Owned $68,000 Historic Data - March 2011 Assets $245.56 million Equity Capital $43.17 million Loan Loss Allowance $2.62 million Unbacked Noncurrent Loans $2.67 million Real Estate Owned $100,000 Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 1.19% Return on Equity 6.53% Interest Income $2.22 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 Liberty National Bank in Paris had $2.32 million in non-current loans and owned real-estate with $47.93 million in equity and loan loss allowances on hand to cover it. This gives The Liberty National Bank in Paris a Texas Ratio of 4.84% 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 Liberty National Bank in Paris decreased slightly from 6.05% as of March 31, 2011 to 4.84% as of March 31, 2012, resulting in a positive change of 19.99%.This indicates that the balance sheet and financial strength for The Liberty National Bank in Paris has improved slightly in recent periods. Deposit Growth In the past year, The Liberty National Bank in Paris has increased its total deposits by $773,000, resulting in 0.38% 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 Liberty National Bank in Paris has shown is average. 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 Liberty National Bank in Paris has $247.64 million in assets with $47.93 million in equity, resulting in a capitalization level of 19.35%, which is excellent.

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