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


  • Lone Star National Bank in Pharr, Texas (TX)
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Lone Star National Bank routing number info

Lone Star National Bank - Overview

  • General
  • FDIC Certificate #: 24347
    Status: Active
    Federal Reserve ID: 842460
    Bank Holding Company (Regulatory Top Holder): Lone Star National Bancshares--texas, Inc. (RSSDID: 2325350, Location: Mcallen, TX)
    Date Established: January 24, 1983
    WWW: http://www.lonestarnationalbank.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: 27 (Domestic: 27, Interstate: No)
    FDIC's unique #: 16940
    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: January 24, 1983
    Last Structure Change Effective Date: April 05, 2010
    Last Structure Change Process Date: May 05, 2010
    Last Data Update: May 05, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 206 West Ferguson Street, Pharr, TX 78577
    County: Hidalgo
    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): McAllen-Edinburg-Mission, TX (#4880)
    Core Based Statistical Area (CBSA): McAllen-Edinburg-Mission, TX (#32580)
    CBSA Metro Statistical Area: McAllen-Edinburg-Mission, TX (#32580)
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $2,174.7 mil
    Equity capital: $219.0 mil
    Deposits held in domestic offices: $1,815.0 mil
    Return on assets (ROA): 1.05% ($22.8 mil)
    Quarterly return on assets: 1.26% ($27.4 mil)
    Return on Equity (ROE): 11.05% ($24.2 mil)
    Quarterly return on equity: 12.75% ($27.9 mil)
    Net income: $22.9 mil
    Quarterly Net income: $6.9 mil
    Pretax return on assets: 1.60% ($34,794.8 mil)
    Quarterly Pretax return on assets: 1.94% ($42,188.7 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
  • 504Total employees (full-time equivalent)
  • $2,174,674Total assets
  • $342,850Cash and due from depository institutions
  • $306,434Interest-bearing balances
  • $458,951Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,224,545Net loans & leases
  • $31,112Loan loss allowance
  • $0Trading account assets
  • $64,477Bank premises and fixed assets
  • $35,973Other real estate owned
  • $0Goodwill and other intangibles
  • $2,174,674Life insurance assets
  • $47,878All other assets
  • $1,955,691Total liabilities and capital
  • $1,815,028Total liabilities
  • $1,644,389Total deposits
  • $1,815,028Interest-bearing deposits
  • $58Deposits held in domestic offices
  • 21748.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $113,353Trading liabilities
  • $0Other borrowed funds
  • $5,562Subordinated debt
  • $218,983All other liabilities
  • $218,983Total equity capital
  • $218,983Total bank equity capital
  • $0Perpetual preferred stock
  • $72,125Common stock
  • $4,492Surplus
  • $142,366Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,469Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $42,314Income earned, not collected on loans
  • $2,044Earning assets
  • $7,132Long-term assets (5+ years)
  • $1,989,930Average Assets, year-to-date
  • $468,554Average Assets, quarterly
  • $2,178,328Volatile liabilities
  • $2,196,651Insider loans
  • $1,255,719FHLB advances
  • $2,200,112Loans and leases held for sale
  • $13,863Unused loan commitments
  • $13,863Tier 1 (core) risk-based capital
  • $214,867Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $76,851Restructured Loans and leases
  • $53,997Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $98,490Total interest income
  • $24,968Total interest expense
  • $73,522Net interest income
  • $11,100Provision for loan and lease losses
  • $13,476Total noninterest income
  • $0Fiduciary activities
  • $6,199Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7,277Additional noninterest income
  • $52,512Total noninterest expense
  • $26,611Salaries and employee benefits
  • $7,930Premises and equipment expense
  • $17,971Additional noninterest expense
  • $23,386Pre-tax net operating income
  • $11,375Securities gains (losses)
  • $11,870Applicable income taxes
  • $22,891Income before extraordinary items
  • $0Extraordinary gains - net
  • $22,891Net income attributable to bank
  • $0Net charge-offs
  • $22,891Cash dividends
  • $5,250Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 11.05%Return on equity (ROE)
  • 11.05%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 211.43%Credit loss provision to net charge-offs
  • 6.57%Efficiency ratio
  • 60,360Assets per employee
  • 4.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.48%Loss allowance to noncurrent loans
  • 73.53%Noncurrent assets plus other real estate owned to assets
  • 3.60%Noncurrent loans to loans
  • 3.37%Net loans and leases to deposits
  • 67.47%Net loans and leases to core deposits
  • 97.82%Equity capital to assets
  • 10.07%Core capital (leverage) ratio
  • 9.77%Tier 1 risk-based capital ratio
  • 17.11%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $2,178,328Average earning assets
  • $207,206Average equity
  • $1,991,274Average loans

List of branches

  • 27 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    016940Lone Star National Bank206 West Ferguson Street, Pharr, TX 78577January 24, 1983Full Service Brick and Mortar
    1257287Lindberg Branch200 Lindberg, Mcallen, TX 78501June 13, 1994Full Service Brick and Mortar
    2257288Dove Branch5515 North Tenth Street, Mcallen, TX 78504April 15, 1996Full Service Brick and Mortar
    3257289Mission Branch2003 East Griffin Parkway, Mission, TX 78572April 14, 1997Full Service Brick and Mortar
    4357470Rio Grande City Branch2300 East Highway 83, Rio Grande City, TX 78582August 01, 2000Full Service Brick and Mortar
    5360740Brownsville Branch3300 North Expressway 83, Brownsville, TX 78521May 29, 2001Full Service Brick and Mortar
    6420393Edinburg Branch117 South 10th, Edinburg, TX 78539October 01, 2002Full Service Brick and Mortar
    7420394Harlingen Branch1901 North Ed Carey, Harlingen, TX 78550May 14, 2003Full Service Brick and Mortar
    8429616Palmview Branch720 East Veterans Blvd., Mission, TX 78572May 12, 2004Full Service Brick and Mortar
    9430013Med Point Mcallen Branch1300 E. Ridge Rd., Mcallen, TX 78501November 01, 2003Full Service Brick and Mortar
    10430050Weslaco Branch214 S. Texas Blvd, Weslaco, TX 78596April 12, 2004Full Service Brick and Mortar
    11430051Hildalgo Branch633 S. International Blvd, Pharr, TX 78577Febuary 09, 2004Full Service Brick and Mortar
    12438914Roma Branch305 East Grant (U.S. Highway 83), Roma, TX 78584January 31, 2005Full Service Brick and Mortar
    13442243Boca Chica Branch1200 Boca Chica Blvd, Brownsville, TX 78526June 01, 2005Full Service Brick and Mortar
    14442477Mission Medical Branch1100 S. Bryan Rd, Mission, TX 78572June 24, 2005Full Service Brick and Mortar
    16452213South Padre Island Branch601 Padre Boulevard, South Padre Island, TX 78597May 15, 2006Full Service Brick and Mortar
    20479931Nolana Branch600 E. Nolana Ave., Mcallen, TX 78504March 10, 2008Full Service Brick and Mortar
    21493425Dhr Medical Branch5537 N. Mccoll Rd., Mcallen, TX 78504January 27, 2009Full Service Brick and Mortar
    22495439Art Village Branch800 North Main Street, Mcallen, TX 78501September 04, 2009Full Service Brick and Mortar
    23510567Corporate Annex Branch40 N. E. Loop 410, Suite 408, San Antonio, TX 78216March 22, 2010Full Service Retail
    24519110Rio Grande West Branch201 North Texas Street, Rio Grande City, TX 78582January 03, 2011Full Service Brick and Mortar
    25521882Corporate Branch520 East Nolana Avenue, Mcallen, TX 78504September 14, 2009Full Service Brick and Mortar
    26521883Medical Center Branch7954 Fredericksburg Rd, San Antonio, TX 78229August 24, 2010Full Service Brick and Mortar
    27521884Pharr South Branch118 South Cage, Pharr, TX 78577September 13, 2010Full Service Brick and Mortar
    28521885San Pedro Motor Bank Branch10000 San Pedro, San Antonio, TX 78216April 20, 2011Limited Service Facility
    29526986Weslaco North Branch620 West Expressway 83, Weslaco, TX 78596October 25, 2011Full Service Brick and Mortar
    30527033South 19th Street Branch2109 South 10th Street, Bldg. 100, Mcallen, TX 78503October 14, 2011Full Service Brick and Mortar

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