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% ($1,174.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$74,335Total assets
$2,544Cash and due from depository institutions
$0Interest-bearing balances
$37,858Securities
$5,000Federal funds sold & reverse repurchase agreements
$24,613Net loans & leases
$412Loan loss allowance
$0Trading account assets
$1,449Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$74,335Life insurance assets
$2,871All other assets
$61,406Total liabilities and capital
$59,756Total liabilities
$45,850Total deposits
$59,756Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,650Subordinated debt
$12,929All other liabilities
$12,929Total equity capital
$12,929Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$1,500Surplus
$9,929Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$658Income earned, not collected on loans
$0Earning assets
$440Long-term assets (5+ years)
$67,471Average Assets, year-to-date
$34,150Average Assets, quarterly
$71,886Volatile liabilities
$73,458Insider loans
$43,273FHLB advances
$73,457Loans and leases held for sale
$2,178Unused loan commitments
$2,178Tier 1 (core) risk-based capital
$12,248Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$442Restructured Loans and leases
$585Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,170Total interest income
$228Total interest expense
$2,942Net interest income
$280Provision for loan and lease losses
$803Total noninterest income
$0Fiduciary activities
$486Service charges on deposit accounts
$0Trading account gains & fees
$317Additional noninterest income
$2,545Total noninterest expense
$1,325Salaries and employee benefits
$387Premises and equipment expense
$833Additional noninterest expense
$920Pre-tax net operating income
$151Securities gains (losses)
$216Applicable income taxes
$855Income before extraordinary items
$0Extraordinary gains - net
$855Net income attributable to bank
$0Net charge-offs
$855Cash dividends
$263Sale, conversion, retirement of capital stock, net
$480Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.90%Yield on earning assets
0.35%Cost of funding earning assets
4.55%Net interest margin
1.24%Noninterest income to earning assets
3.93%Noninterest expense to earning assets
1.02%Net operating income to assets
1.19%Return on assets (ROA)
1.49%Pretax return on assets
6.82%Return on equity (ROE)
2.99%Retained earnings to average equity (YTD only)
1.03%Net charge-offs to loans
106.46%Credit loss provision to net charge-offs
4.56%Efficiency ratio
67,957Assets per employee
3.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.14%Loss allowance to loans
1.65%Loss allowance to noncurrent loans
62.61%Noncurrent assets plus other real estate owned to assets
0.89%Noncurrent loans to loans
2.63%Net loans and leases to deposits
41.19%Net loans and leases to core deposits
46.65%Equity capital to assets
17.39%Core capital (leverage) ratio
16.67%Tier 1 risk-based capital ratio
28.30%Total risk-based capital ratio
Memoranda
$29Average assets
$71,886Average earning assets
$12,546Average equity
$64,700Average loans
List of branches
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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