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

The Lone Star State Bank - Overview

  • General
  • FDIC Certificate #: 19090
    Status: Active
    Federal Reserve ID: 762054
    Bank Holding Company (Regulatory Top Holder): East Texas Bancorp, Inc. (RSSDID: 2475590, Location: Longview, TX)
    Date Established: April 11, 1964
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 12922
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 11, 1964
    Last Structure Change Effective Date: May 31, 2011
    Last Structure Change Process Date: May 31, 2011
    Last Data Update: May 31, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 North Main Street, Lone Star, TX 75668
    County: Morris
    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
  • Financial Summary
  • Total assets: $39.4 mil
    Equity capital: $3.1 mil
    Deposits held in domestic offices: $29.1 mil
    Return on assets (ROA): 1.94% ($0.8 mil)
    Quarterly return on assets: 1.70% ($0.7 mil)
    Return on Equity (ROE): 23.74% ($0.7 mil)
    Quarterly return on equity: 22.05% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.94% ($765.2 mil)
    Quarterly Pretax return on assets: 1.70% ($670.5 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
  • 6Total employees (full-time equivalent)
  • $39,444Total assets
  • $17,135Cash and due from depository institutions
  • $16,530Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $21,432Net loans & leases
  • $412Loan loss allowance
  • $0Trading account assets
  • $291Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $39,444Life insurance assets
  • $586All other assets
  • $36,379Total liabilities and capital
  • $29,095Total liabilities
  • $22,207Total deposits
  • $29,095Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,270Trading liabilities
  • $0Other borrowed funds
  • $14Subordinated debt
  • $3,065All other liabilities
  • $3,065Total equity capital
  • $3,065Total bank equity capital
  • $0Perpetual preferred stock
  • $180Common stock
  • $1,640Surplus
  • $1,245Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $95Long-term assets (5+ years)
  • $37,962Average Assets, year-to-date
  • $5,147Average Assets, quarterly
  • $38,052Volatile liabilities
  • $39,826Insider loans
  • $22,364FHLB advances
  • $40,095Loans and leases held for sale
  • $19Unused loan commitments
  • $19Tier 1 (core) risk-based capital
  • $3,065Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $544Restructured Loans and leases
  • $116Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,421Total interest income
  • $178Total interest expense
  • $1,243Net interest income
  • $24Provision for loan and lease losses
  • $164Total noninterest income
  • $0Fiduciary activities
  • $91Service charges on deposit accounts
  • $0Trading account gains & fees
  • $73Additional noninterest income
  • $645Total noninterest expense
  • $226Salaries and employee benefits
  • $97Premises and equipment expense
  • $322Additional noninterest expense
  • $738Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $738Income before extraordinary items
  • $0Extraordinary gains - net
  • $738Net income attributable to bank
  • $0Net charge-offs
  • $738Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $737Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.93%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 1.78%Noninterest expense to earning assets
  • 1.94%Net operating income to assets
  • 1.94%Return on assets (ROA)
  • 1.94%Pretax return on assets
  • 23.74%Return on equity (ROE)
  • 0.03%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 45,842Assets per employee
  • 6.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 99.86%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 73.66%Net loans and leases to core deposits
  • 81.31%Equity capital to assets
  • 7.77%Core capital (leverage) ratio
  • 7.64%Tier 1 risk-based capital ratio
  • 13.71%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $38,052Average earning assets
  • $3,108Average equity
  • $36,155Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012922The Lone Star State Bank300 North Main Street, Lone Star, TX 75668April 11, 1964Full Service Brick and Mortar

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