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 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
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
No
ID
Name
Address
Established
Service Type
Map
0
12922
The Lone Star State Bank
300 North Main Street, Lone Star, TX 75668
April 11, 1964
Full Service Brick and Mortar
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