Lone Star National Bank

Lone Star National Bank is headquartered in Pharr and is the 21^st largest bank in the state of Texas. It is also the 333^rd largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 516 employees at 27 locations. Lone Star National Bank has a 3-star health rating.

Lone Star National Bank Routing Number: 114911687

Data for Q1 2012

Institution Statistics Lone Star National Bank FDIC Certificate # 24347 BankRate Report View Year Established 1983 Employees 516 Primary Regulator OCC Assets and Liabilities Assets $2.13 billion Loans $1.24 billion Deposits $1.76 billion Equity Capital $223.26 million Loan Loss Allowance $32.74 million Unbacked Noncurrent Loans $45.04 million Real Estate Owned $38.25 million Historic Data - March 2011 Assets $2.15 billion Equity Capital $197.89 million Loan Loss Allowance $27.63 million Unbacked Noncurrent Loans $40.78 million Real Estate Owned $37.82 million Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 0.82% Return on Equity 8% Interest Income $22.83 million

Institution Health Overall Score: 3 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 National Bank had $83.29 million in non-current loans and owned real-estate with $256 million in equity and loan loss allowances on hand to cover it. This gives Lone Star National Bank a Texas Ratio of 32.54% which is below 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 National Bank held steady from 35.22% as of March 31, 2011 to 32.54% as of March 31, 2012, resulting in a positive change of 7.62%.This indicates that the balance sheet and financial strength for Lone Star National Bank has held steady in recent periods. Deposit Growth In the past year, Lone Star National Bank has decreased its total deposits by -$55.3 million, resulting in -3.04% 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 National Bank has shown is below average. 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 National Bank has $2.13 billion in assets with $256 million in equity, resulting in a capitalization level of 12.02%, which is excellent.

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