Lone Star Bank, S.S.B. in Moulton, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Lone Star Bank, S.S.B. - Overview

  • General
  • FDIC Certificate #: 12299
    Status: Active
    Federal Reserve ID: 171768
    Bank Holding Company (Regulatory Top Holder): Southern Bancshares, Inc. (RSSDID: 1107184, Location: Houston, TX)
    Date Established: November 06, 1920
    WWW: http://www.lonestarbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 15923
    FDIC's unique #: 7819
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 100 South West Street, Moulton, TX 77975
    County: Lavaca
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $252.2 mil
    Equity capital: $18.1 mil
    Deposits held in domestic offices: $184.6 mil
    Return on assets (ROA): 1.40% ($3.5 mil)
    Quarterly return on assets: 1.65% ($4.2 mil)
    Return on Equity (ROE): 17.73% ($3.2 mil)
    Quarterly return on equity: 22.30% ($4.0 mil)
    Net income: $2.9 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 2.09% ($5,271.2 mil)
    Quarterly Pretax return on assets: 2.59% ($6,532.2 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
  • 51Total employees (full-time equivalent)
  • $252,210Total assets
  • $12,168Cash and due from depository institutions
  • $6,830Interest-bearing balances
  • $12,875Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $208,624Net loans & leases
  • $1,324Loan loss allowance
  • $0Trading account assets
  • $9,317Bank premises and fixed assets
  • $2,405Other real estate owned
  • $0Goodwill and other intangibles
  • $252,210Life insurance assets
  • $6,821All other assets
  • $234,074Total liabilities and capital
  • $184,596Total liabilities
  • $141,173Total deposits
  • $184,596Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 14000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $34,982Trading liabilities
  • $0Other borrowed funds
  • $496Subordinated debt
  • $18,136All other liabilities
  • $18,136Total equity capital
  • $18,136Total bank equity capital
  • $1,963Perpetual preferred stock
  • $250Common stock
  • $3,787Surplus
  • $12,136Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $110,538Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $350Income earned, not collected on loans
  • $0Earning assets
  • $791Long-term assets (5+ years)
  • $228,329Average Assets, year-to-date
  • $51,803Average Assets, quarterly
  • $208,301Volatile liabilities
  • $238,131Insider loans
  • $140,009FHLB advances
  • $223,343Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,007Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,631Restructured Loans and leases
  • $158Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,354Total interest income
  • $1,909Total interest expense
  • $9,445Net interest income
  • $0Provision for loan and lease losses
  • $1,432Total noninterest income
  • $0Fiduciary activities
  • $481Service charges on deposit accounts
  • $0Trading account gains & fees
  • $951Additional noninterest income
  • $6,701Total noninterest expense
  • $3,901Salaries and employee benefits
  • $822Premises and equipment expense
  • $1,978Additional noninterest expense
  • $4,176Pre-tax net operating income
  • $187Securities gains (losses)
  • $1,443Applicable income taxes
  • $2,920Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,920Net income attributable to bank
  • $0Net charge-offs
  • $2,920Cash dividends
  • -$207Sale, conversion, retirement of capital stock, net
  • $332Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.96%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.95%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.40%Return on assets (ROA)
  • 2.09%Pretax return on assets
  • 17.73%Return on equity (ROE)
  • 15.71%Retained earnings to average equity (YTD only)
  • -0.13%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 61,607Assets per employee
  • 4.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.37%Loss allowance to loans
  • 0.63%Loss allowance to noncurrent loans
  • 378.29%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 113.02%Net loans and leases to core deposits
  • 117.62%Equity capital to assets
  • 7.19%Core capital (leverage) ratio
  • 8.06%Tier 1 risk-based capital ratio
  • 12.86%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $208,301Average earning assets
  • $16,473Average equity
  • $190,618Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07819Lone Star Bank, S.S.b.100 South West Street, Moulton, TX 77975November 06, 1920Full Service Brick and Mortar
    112195Brazoria Branch301 South Brooks Street, Brazoria, TX 77422May 15, 1909Full Service Brick and Mortar
    3226829Shiner Branch203 North Ave E, Shiner, TX 77984Febuary 17, 1998Full Service Brick and Mortar
    4462263Gonzales Branch1609 Sarah Dewitt Drive, Gonzales, TX 78629January 19, 2007Full Service Brick and Mortar
    5526563Cedar Park Branch109 Cypress Creek Road, Cedar Park, TX 78613November 01, 2011Full Service Brick and Mortar

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