The Lytle State Bank of Lytle, Texas in Lytle, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Lytle State Bank of Lytle, Texas in Lytle, Texas (TX)
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The Lytle State Bank of Lytle, Texas - Overview

  • General
  • FDIC Certificate #: 15501
    Status: Active
    Federal Reserve ID: 830252
    Date Established: September 14, 1910
    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
  • NoIDNameAddressEstablishedService TypeMap
    09801The Lytle State Bank Of Lytle, Texas14631 South Farm To Market Road 2790 West, Lytle, TX 78052September 14, 1910Full Service Brick and Mortar

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