Texas Star Bank, SSB in Lott, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Texas Star Bank, SSB in Lott, Texas (TX)
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Texas Star Bank, SSB routing number info

Texas Star Bank, SSB - Overview

  • General
  • FDIC Certificate #: 16218
    Status: Active
    Federal Reserve ID: 821652
    Bank Holding Company (Regulatory Top Holder): Southern Bancshares, Inc. (RSSDID: 1107184, Location: Houston, TX)
    Date Established: January 02, 1943
    WWW: http://www.texas-star-bank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 16011
    FDIC's unique #: 10417
    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 02, 1945
    Last Structure Change Effective Date: November 16, 2009
    Last Structure Change Process Date: November 16, 2009
    Last Data Update: November 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 Gassaway Avenue, Lott, TX 76656
    County: Falls
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $76.0 mil
    Equity capital: $6.0 mil
    Deposits held in domestic offices: $61.9 mil
    Return on assets (ROA): 0.66% ($0.5 mil)
    Quarterly return on assets: 0.84% ($0.6 mil)
    Return on Equity (ROE): 7.97% ($0.5 mil)
    Quarterly return on equity: 10.51% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.01% ($767.5 mil)
    Quarterly Pretax return on assets: 1.32% ($1,003.1 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
  • 23Total employees (full-time equivalent)
  • $75,989Total assets
  • $1,506Cash and due from depository institutions
  • $250Interest-bearing balances
  • $5,015Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,486Net loans & leases
  • $289Loan loss allowance
  • $0Trading account assets
  • $3,135Bank premises and fixed assets
  • $805Other real estate owned
  • $0Goodwill and other intangibles
  • $75,989Life insurance assets
  • $1,042All other assets
  • $69,978Total liabilities and capital
  • $61,943Total liabilities
  • $51,182Total deposits
  • $61,943Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1170.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,793Trading liabilities
  • $0Other borrowed funds
  • $72Subordinated debt
  • $6,011All other liabilities
  • $6,011Total equity capital
  • $6,011Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,800Surplus
  • $3,011Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $40,116Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $159Income earned, not collected on loans
  • $0Earning assets
  • $226Long-term assets (5+ years)
  • $69,751Average Assets, year-to-date
  • $19,394Average Assets, quarterly
  • $68,382Volatile liabilities
  • $74,245Insider loans
  • $38,812FHLB advances
  • $73,184Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,016Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,216Restructured Loans and leases
  • $245Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,992Total interest income
  • $1,188Total interest expense
  • $2,804Net interest income
  • $0Provision for loan and lease losses
  • $297Total noninterest income
  • $0Fiduciary activities
  • $158Service charges on deposit accounts
  • $0Trading account gains & fees
  • $139Additional noninterest income
  • $2,477Total noninterest expense
  • $1,295Salaries and employee benefits
  • $276Premises and equipment expense
  • $906Additional noninterest expense
  • $624Pre-tax net operating income
  • $67Securities gains (losses)
  • $237Applicable income taxes
  • $454Income before extraordinary items
  • $0Extraordinary gains - net
  • $454Net income attributable to bank
  • $0Net charge-offs
  • $454Cash dividends
  • $67Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.52%Yield on earning assets
  • 1.94%Cost of funding earning assets
  • 4.58%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 4.05%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 7.97%Return on equity (ROE)
  • 7.97%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 9.31%Efficiency ratio
  • 79,877Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.45%Loss allowance to noncurrent loans
  • 181.76%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 104.11%Net loans and leases to core deposits
  • 145.54%Equity capital to assets
  • 7.91%Core capital (leverage) ratio
  • 8.22%Tier 1 risk-based capital ratio
  • 15.50%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $68,382Average earning assets
  • $5,696Average equity
  • $61,207Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    010417Texas Star Bank, Ssb101 Gassaway Avenue, Lott, TX 76656January 02, 1943Full Service Brick and Mortar
    1237618Marlin Branch119 Craik Street, Marlin, TX 76661May 12, 1989Full Service Brick and Mortar
    2521333Harker Heights Branch905 E Fm 2410, Harker Heights, TX 76548December 28, 2010Full Service Brick and Mortar

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