The Lone Star State Bank in Lone Star, Texas (TX)



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The Lone Star State Bank routing number info

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The Lone Star State Bank
GeneralFDIC 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
WWW: http://www.lonestarstatebank.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)6
Total assets$39,444
Cash and due from depository institutions$17,135
Interest-bearing balances$16,530
Securities$0
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$21,432
Loan loss allowance $412
Trading account assets$0
Bank premises and fixed assets$291
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$586
Life insurance assets$39,444
Total liabilities and capital$36,379
Total liabilities$29,095
Total deposits$22,207
Interest-bearing deposits$29,095
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,270
Other borrowed funds $0
Subordinated debt $14
All other liabilities $3,065
Total equity capital$3,065
Total bank equity capital$3,065
Perpetual preferred stock$0
Common stock$180
Surplus$1,640
Undivided profits $1,245
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $95
Average Assets, year-to-date $37,962
Average Assets, quarterly $5,147
Volatile liabilities $38,052
Insider loans $39,826
FHLB advances $22,364
Loans and leases held for sale $40,095
Unused loan commitments $19
Tier 1 (core) risk-based capital $19
Tier 2 risk-based capital $3,065
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $544
Derivatives$116
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,421
Total interest expense $178
Net interest income $1,243
Provision for loan and lease losses $24
Total noninterest income $164
Fiduciary activities $0
Service charges on deposit accounts $91
Trading account gains & fees $0
Additional noninterest income $73
Total noninterest expense $645
Salaries and employee benefits $226
Premises and equipment expense $97
Additional noninterest expense $322
Pre-tax net operating income $738
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $738
Extraordinary gains - net $0
Net income attributable to bank $738
Net charge-offs $0
Cash dividends $738
Sale, conversion, retirement of capital stock, net $0
Net operating income $737
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.93%
Cost of funding earning assets 0.49%
Net interest margin 3.44%
Noninterest income to earning assets 0.45%
Noninterest expense to earning assets 1.78%
Net operating income to assets 1.94%
Return on assets (ROA) 1.94%
Pretax return on assets 1.94%
Return on equity (ROE) 23.74%
Retained earnings to average equity (YTD only) 0.03%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$45,842
Cash dividends to net income (YTD only)6.57%
Condition Ratios (%)
Loss allowance to loans 99.86%
Loss allowance to noncurrent loans 1.89%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 73.66%
Equity capital to assets 81.31%
Core capital (leverage) ratio 7.77%
Tier 1 risk-based capital ratio 7.64%
Total risk-based capital ratio 13.71%
Memoranda
Average assets$15
Average earning assets$38,052
Average equity $3,108
Average loans $36,155
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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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