First State Bank of Livingston
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.6. A current level of 1.3 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (9.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 21.5 percent and a “hot money” ratio of 4.9 percent.
Asset Mix:
Securities (57%), cash (8%), home mtgs (7%), comm re (5%), consumer loans (3%), comm loans (2%), other (19%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
East Texas Bancshares, Inc.
Investment Rating
--
Address
112 West Polk Street
Livingston, TX 77351
Livingston, TX 77351
Phone Number
(936) 327-5211
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.