LONE STAR STATE BANK OF WEST TEXAS

LONE STAR STATE BANK OF WEST TEXAS is headquartered in Lubbock and is the 111^st largest bank in the state of Texas. It is also the 1,521^st largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 73 employees at 4 locations. LONE STAR STATE BANK OF WEST TEXAS has a 5-star health rating.

Data for Q1 2012

Institution Statistics LONE STAR STATE BANK OF WEST TEXAS FDIC Certificate # 3116 BankRate Report View Year Established 1919 Employees 73 Primary Regulator FED Assets and Liabilities Assets $438.08 million Loans $345.53 million Deposits $390.48 million Equity Capital $47.10 million Loan Loss Allowance $5.30 million Unbacked Noncurrent Loans $204,000 Historic Data - March 2011 Assets $395.29 million Equity Capital $45.12 million Loan Loss Allowance $3.99 million Unbacked Noncurrent Loans $2.11 million Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 1.25% Return on Equity 11.58% Interest Income $4.71 million

Institution Health Overall Score: 5 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 STATE BANK OF WEST TEXAS had $204,000 in non-current loans and owned real-estate with $52.39 million in equity and loan loss allowances on hand to cover it. This gives LONE STAR STATE BANK OF WEST TEXAS a Texas Ratio of 0.39% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for LONE STAR STATE BANK OF WEST TEXAS decreased significantly from 4.29% as of March 31, 2011 to 0.39% as of March 31, 2012, resulting in a positive change of 90.93%.This indicates that the balance sheet and financial strength for LONE STAR STATE BANK OF WEST TEXAS has improved significantly in recent periods. Deposit Growth In the past year, LONE STAR STATE BANK OF WEST TEXAS has increased its total deposits by $40.91 million, resulting in 11.7% 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 STATE BANK OF WEST TEXAS 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 STATE BANK OF WEST TEXAS has $438.08 million in assets with $52.39 million in equity, resulting in a capitalization level of 11.96%, which is above average.

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