Lone Star Capital Bank, National Association in San Antonio, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Lone Star Capital Bank, National Association in San Antonio, Texas (TX)
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Lone Star Capital Bank, National Association - Overview

  • General
  • FDIC Certificate #: 35015
    Status: Active
    Federal Reserve ID: 2788656
    Date Established: March 09, 1999
    WWW: http://www.lscb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 73839
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 09, 1999
    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: 150 North Loop 1604 East, San Antonio, TX 78232
    County: Bexar
    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
    Metropolitan Statistical Area (MSA): San Antonio, TX (#7240)
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $137.3 mil
    Equity capital: $19.2 mil
    Deposits held in domestic offices: $107.6 mil
    Return on assets (ROA): 0.25% ($0.3 mil)
    Quarterly return on assets: 0.28% ($0.4 mil)
    Return on Equity (ROE): 1.76% ($0.3 mil)
    Quarterly return on equity: 2.00% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.39% ($535.3 mil)
    Quarterly Pretax return on assets: 0.45% ($617.7 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
  • 36Total employees (full-time equivalent)
  • $137,269Total assets
  • $14,737Cash and due from depository institutions
  • $11,313Interest-bearing balances
  • $46,645Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $60,578Net loans & leases
  • $858Loan loss allowance
  • $0Trading account assets
  • $2,740Bank premises and fixed assets
  • $281Other real estate owned
  • $7,995Goodwill and other intangibles
  • $137,269Life insurance assets
  • $2,293All other assets
  • $118,097Total liabilities and capital
  • $107,617Total liabilities
  • $87,925Total deposits
  • $107,617Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 2272.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,886Trading liabilities
  • $0Other borrowed funds
  • $322Subordinated debt
  • $19,172All other liabilities
  • $19,172Total equity capital
  • $19,172Total bank equity capital
  • $0Perpetual preferred stock
  • $10,229Common stock
  • $6,100Surplus
  • $2,843Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14Income earned, not collected on loans
  • $0Earning assets
  • $440Long-term assets (5+ years)
  • $120,536Average Assets, year-to-date
  • $46,695Average Assets, quarterly
  • $133,489Volatile liabilities
  • $137,984Insider loans
  • $71,953FHLB advances
  • $129,231Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,375Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,217Restructured Loans and leases
  • $4,444Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,986Total interest income
  • $1,159Total interest expense
  • $3,827Net interest income
  • $349Provision for loan and lease losses
  • $315Total noninterest income
  • $0Fiduciary activities
  • $253Service charges on deposit accounts
  • $0Trading account gains & fees
  • $62Additional noninterest income
  • $3,366Total noninterest expense
  • $1,718Salaries and employee benefits
  • $802Premises and equipment expense
  • $846Additional noninterest expense
  • $427Pre-tax net operating income
  • $100Securities gains (losses)
  • $195Applicable income taxes
  • $332Income before extraordinary items
  • $0Extraordinary gains - net
  • $332Net income attributable to bank
  • $0Net charge-offs
  • $332Cash dividends
  • $235Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 1.76%Return on equity (ROE)
  • 1.76%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 148.51%Credit loss provision to net charge-offs
  • 3.30%Efficiency ratio
  • 80,782Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 6128.57%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 56.29%Net loans and leases to core deposits
  • 82.31%Equity capital to assets
  • 13.97%Core capital (leverage) ratio
  • 8.03%Tier 1 risk-based capital ratio
  • 14.42%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $133,489Average earning assets
  • $18,863Average equity
  • $116,595Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    073839Lone Star Capital Bank, National Association150 North Loop 1604 East, San Antonio, TX 78232March 09, 1999Full Service Brick and Mortar
    1290877San Pedro Branch15142 San Pedro, San Antonio, TX 78232August 16, 1999Full Service Brick and Mortar
    275141Weidner Branch420 N. Weidner, San Antonio, TX 78233April 02, 1999Full Service Brick and Mortar
    3441466Austin Highway Branch1514 Austin Highway, San Antonio, TX 78218September 07, 2004Full Service Brick and Mortar

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