The Lytle State Bank of Lytle, Texas in Lytle, Texas (TX)
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| The Lytle State Bank of Lytle, Texas | |
|---|---|
| General | FDIC Certificate #: 15501 Status: Active Federal Reserve ID: 830252 Date Established: September 14, 1910 WWW: http://www.lytlestatebank.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 #: 9801 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: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: June 10, 1937 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: 14631 South Farm To Market Road 2790 West, Lytle, TX 78052 County: Atascosa 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 Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700) CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700) |
| History of Changes | Change in Location Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $74.3 mil Equity capital: $12.9 mil Deposits held in domestic offices: $59.8 mil Return on assets (ROA): 1.19% ($0.9 mil) Quarterly return on assets: 1.38% ($1.0 mil) Return on Equity (ROE): 6.82% ($0.9 mil) Quarterly return on equity: 7.80% ($1.0 mil) Net income: $0.9 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.49% ($1,107.6 mil) Quarterly Pretax return on assets: 1.58% ($1,174.5 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 21 |
| Total assets | $74,335 |
| Cash and due from depository institutions | $2,544 |
| Interest-bearing balances | $0 |
| Securities | $37,858 |
| Federal funds sold & reverse repurchase agreements | $5,000 |
| Net loans & leases | $24,613 |
| Loan loss allowance | $412 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,449 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,871 |
| Life insurance assets | $74,335 |
| Total liabilities and capital | $61,406 |
| Total liabilities | $59,756 |
| Total deposits | $45,850 |
| Interest-bearing deposits | $59,756 |
| Deposits held in domestic offices | $86 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,650 |
| All other liabilities | $12,929 |
| Total equity capital | $12,929 |
| Total bank equity capital | $12,929 |
| Perpetual preferred stock | $0 |
| Common stock | $1,500 |
| Surplus | $1,500 |
| Undivided profits | $9,929 |
| 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 | $658 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $440 |
| Average Assets, year-to-date | $67,471 |
| Average Assets, quarterly | $34,150 |
| Volatile liabilities | $71,886 |
| Insider loans | $73,458 |
| FHLB advances | $43,273 |
| Loans and leases held for sale | $73,457 |
| Unused loan commitments | $2,178 |
| Tier 1 (core) risk-based capital | $2,178 |
| Tier 2 risk-based capital | $12,248 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $442 |
| Derivatives | $585 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,170 |
| Total interest expense | $228 |
| Net interest income | $2,942 |
| Provision for loan and lease losses | $280 |
| Total noninterest income | $803 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $486 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $317 |
| Total noninterest expense | $2,545 |
| Salaries and employee benefits | $1,325 |
| Premises and equipment expense | $387 |
| Additional noninterest expense | $833 |
| Pre-tax net operating income | $920 |
| Securities gains (losses) | $151 |
| Applicable income taxes | $216 |
| Income before extraordinary items | $855 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $855 |
| Net charge-offs | $0 |
| Cash dividends | $855 |
| Sale, conversion, retirement of capital stock, net | $263 |
| Net operating income | $480 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.90% |
| Cost of funding earning assets | 0.35% |
| Net interest margin | 4.55% |
| Noninterest income to earning assets | 1.24% |
| Noninterest expense to earning assets | 3.93% |
| Net operating income to assets | 1.02% |
| Return on assets (ROA) | 1.19% |
| Pretax return on assets | 1.49% |
| Return on equity (ROE) | 6.82% |
| Retained earnings to average equity (YTD only) | 2.99% |
| Net charge-offs to loans | 1.03% |
| Credit loss provision to net charge-offs | 106.46% |
| Efficiency ratio | 4.56% |
| Assets per employee | $67,957 |
| Cash dividends to net income (YTD only) | 3.54% |
| Condition Ratios (%) | |
| Loss allowance to loans | 56.14% |
| Loss allowance to noncurrent loans | 1.65% |
| Noncurrent assets plus other real estate owned to assets | 62.61% |
| Noncurrent loans to loans | 0.89% |
| Net loans and leases to deposits | 2.63% |
| Net loans and leases to core deposits | 41.19% |
| Equity capital to assets | 46.65% |
| Core capital (leverage) ratio | 17.39% |
| Tier 1 risk-based capital ratio | 16.67% |
| Total risk-based capital ratio | 28.30% |
| Memoranda | |
| Average assets | $29 |
| Average earning assets | $71,886 |
| Average equity | $12,546 |
| Average loans | $64,700 |
| 1 Texas Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 9801 | The Lytle State Bank Of Lytle, Texas | 14631 South Farm To Market Road 2790 West, Lytle, TX 78052 | September 14, 1910 | Full Service Brick and Mortar |  |
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