Lone Star Bank in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Lone Star Bank - Overview

  • General
  • FDIC Certificate #: 58324
    Status: Active
    Federal Reserve ID: 3448162
    Date Established: August 23, 2006
    WWW: http://www.lsbtexas.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 446143
    Numeric code: 21
    Regulator: FDIC
    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: Commercial Lending Specialization
    Date of Deposit Insurance: August 23, 2006
    Last Structure Change Effective Date: March 19, 2012
    Last Structure Change Process Date: March 19, 2012
    Last Data Update: March 19, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2600 South Gessner Road, Houston, TX 77063
    County: Harris
    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
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • Financial Summary
  • Total assets: $114.7 mil
    Equity capital: $10.3 mil
    Deposits held in domestic offices: $97.8 mil
    Return on assets (ROA): -1.39% (-$1.6 mil)
    Quarterly return on assets: -3.81% (-$4.4 mil)
    Return on Equity (ROE): -15.45% (-$1.5 mil)
    Quarterly return on equity: -42.35% (-$4.2 mil)
    Net income: -$1.8 mil
    Quarterly Net income: -$1.2 mil
    Pretax return on assets: -1.39% (-$1,594.0 mil)
    Quarterly Pretax return on assets: -3.81% (-$4,369.3 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
  • 20Total employees (full-time equivalent)
  • $114,679Total assets
  • $8,864Cash and due from depository institutions
  • $8,213Interest-bearing balances
  • $4,980Securities
  • $214Federal funds sold & reverse repurchase agreements
  • $87,231Net loans & leases
  • $1,223Loan loss allowance
  • $0Trading account assets
  • $1,676Bank premises and fixed assets
  • $10,321Other real estate owned
  • $0Goodwill and other intangibles
  • $114,679Life insurance assets
  • $1,393All other assets
  • $104,399Total liabilities and capital
  • $97,848Total liabilities
  • $91,980Total deposits
  • $97,848Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $551Subordinated debt
  • $10,280All other liabilities
  • $10,280Total equity capital
  • $10,280Total bank equity capital
  • $3,226Perpetual preferred stock
  • $1,947Common stock
  • $14,844Surplus
  • $-9,737Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,735Income earned, not collected on loans
  • $0Earning assets
  • $363Long-term assets (5+ years)
  • $100,638Average Assets, year-to-date
  • $8,499Average Assets, quarterly
  • $126,877Volatile liabilities
  • $121,319Insider loans
  • $90,979FHLB advances
  • $123,665Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,358Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,598Restructured Loans and leases
  • $1,525Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,909Total interest income
  • $2,502Total interest expense
  • $3,407Net interest income
  • $134Provision for loan and lease losses
  • $337Total noninterest income
  • $0Fiduciary activities
  • $19Service charges on deposit accounts
  • $0Trading account gains & fees
  • $318Additional noninterest income
  • $5,670Total noninterest expense
  • $1,418Salaries and employee benefits
  • $366Premises and equipment expense
  • $3,886Additional noninterest expense
  • -$2,060Pre-tax net operating income
  • $291Securities gains (losses)
  • $0Applicable income taxes
  • -$1,769Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,769Net income attributable to bank
  • $0Net charge-offs
  • -$1,769Cash dividends
  • $478Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 2.23%Cost of funding earning assets
  • 3.03%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 5.05%Noninterest expense to earning assets
  • -1.62%Net operating income to assets
  • -1.39%Return on assets (ROA)
  • -1.39%Pretax return on assets
  • -15.45%Return on equity (ROE)
  • -15.45%Retained earnings to average equity (YTD only)
  • 0.53%Net charge-offs to loans
  • 28.03%Credit loss provision to net charge-offs
  • -4.03%Efficiency ratio
  • 151,442Assets per employee
  • 5.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 32.74%Noncurrent assets plus other real estate owned to assets
  • 12.26%Noncurrent loans to loans
  • 4.22%Net loans and leases to deposits
  • 89.15%Net loans and leases to core deposits
  • 89.73%Equity capital to assets
  • 8.96%Core capital (leverage) ratio
  • 8.38%Tier 1 risk-based capital ratio
  • 11.39%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $126,877Average earning assets
  • $11,450Average equity
  • $112,265Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0446143Lone Star Bank2600 South Gessner Road, Houston, TX 77063August 23, 2006Full Service Brick and Mortar
    1477905Copperfield Office Branch7630 Highway 6 North, Houston, TX 77095October 20, 2007Full Service Brick and Mortar

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