Lone Star Bank, S.S.B.

Lone Star Bank, S.S.B. is headquartered in Moulton and is the 224^th largest bank in the state of Texas. It is also the 2,856^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 61 employees at 6 locations. Lone Star Bank, S.S.B. has a 4-star health rating.

Lone Star Bank, S.S.B. Routing Number: 113119985

Data for Q1 2012

Institution Statistics Lone Star Bank, S.S.B. FDIC Certificate # 12299 BankRate Report View Year Established 1920 Employees 61 Primary Regulator FDIC Assets and Liabilities Assets $223.64 million Loans $181.57 million Deposits $175.59 million Equity Capital $18.82 million Loan Loss Allowance $1.32 million Unbacked Noncurrent Loans $2,000 Real Estate Owned $2.35 million Historic Data - March 2011 Assets $185.09 million Equity Capital $15.70 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $370,000 Real Estate Owned $2.42 million Profit Margin - Quarterly Net Interest Margin 5.46% Return on Assets 1.42% Return on Equity 18.27% Interest Income $3.40 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Lone Star Bank, S.S.B. had $2.36 million in non-current loans and owned real-estate with $20.14 million in equity and loan loss allowances on hand to cover it. This gives Lone Star Bank, S.S.B. a Texas Ratio of 11.70% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lone Star Bank, S.S.B. decreased slightly from 16.68% as of March 31, 2011 to 11.70% as of March 31, 2012, resulting in a positive change of 29.86%.This indicates that the balance sheet and financial strength for Lone Star Bank, S.S.B. has improved slightly in recent periods. Deposit Growth In the past year, Lone Star Bank, S.S.B. has increased its total deposits by $15.54 million, resulting in 9.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Lone Star Bank, S.S.B. has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Lone Star Bank, S.S.B. has $223.64 million in assets with $20.14 million in equity, resulting in a capitalization level of 9.01%, which is average.

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