Citizens Bank and Trust Company in Pampa, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 25, 1995

Citizens Bank and Trust Company in Pampa, Texas (TX)
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Citizens Bank and Trust Company - Overview

General
FDIC Certificate #: 15743
Status: Inactive
Closing history: Corrections
Acquiring institution: FirstBank Southwest (#3387)
Federal Reserve ID: 905169
Date Established: May 27, 1940
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 9996
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: May 27, 1940
Last Structure Change Effective Date: August 25, 1995
Last Structure Change Process Date: August 31, 1995
Last Data Update: August 31, 1995
Data Source Date: April 05, 2012
Location
Address: 300 West Kingsmill Street, Pampa, TX 79065
County: Gray
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Lubbock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Pampa, TX (#37420)
CBSA Micro Statistical Area: Yes
History of Changes
Absorption - Without Assistance
Corrections
Financial Summary
Total assets: $68.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$26Total assets
$66,749Cash and due from depository institutions
$4,143Interest-bearing balances
$0Securities
$45,088Federal funds sold & reverse repurchase agreements
$1,300Net loans & leases
$12,958Loan loss allowance
$249Trading account assets
$0Bank premises and fixed assets
$1,493Other real estate owned
$148Goodwill and other intangibles
$1,619Life insurance assets
$0All other assets
$0Total liabilities and capital
$66,749Total liabilities
$60,600Total deposits
$59,655Interest-bearing deposits
$49,945Deposits held in domestic offices
59655.00%% insured (estimated)
$85Federal funds purchased & repurchase agreements
$600Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$345Total equity capital
$345Total bank equity capital
$6,149Perpetual preferred stock
$0Common stock
$600Surplus
$4,027Undivided profits
Memoranda
$1,522Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$72Income earned, not collected on loans
$180Earning assets
$59,346Long-term assets (5+ years)
$2,746Average Assets, year-to-date
$67,817Average Assets, quarterly
$66,130Volatile liabilities
$12,068Insider loans
$2,287FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,375Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,432Total risk weighted assets
$18,363Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$3,864Total interest expense
$1,605Net interest income
$2,259Provision for loan and lease losses
-$50Total noninterest income
$417Fiduciary activities
$0Service charges on deposit accounts
$323Trading account gains & fees
$0Additional noninterest income
$94Total noninterest expense
$1,925Salaries and employee benefits
$892Premises and equipment expense
$232Additional noninterest expense
$801Pre-tax net operating income
$801Securities gains (losses)
$1Applicable income taxes
$147Income before extraordinary items
$655Extraordinary gains - net
$0Net income attributable to bank
$655Net charge-offs
-$31Cash dividends
$1,500Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.27%Cost of funding earning assets
2.60%Net interest margin
3.66%Noninterest income to earning assets
0.68%Noninterest expense to earning assets
3.12%Net operating income to assets
0.96%Return on assets (ROA)
0.97%Pretax return on assets
1.18%Return on equity (ROE)
9.20%Retained earnings to average equity (YTD only)
-11.87%Net charge-offs to loans
-0.25%Credit loss provision to net charge-offs
161.29%Efficiency ratio
71,936Assets per employee
2.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
229.01%Loss allowance to loans
1.89%Loss allowance to noncurrent loans
345.83%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.55%Net loans and leases to deposits
21.72%Net loans and leases to core deposits
26.89%Equity capital to assets
9.21%Core capital (leverage) ratio
9.71%Tier 1 risk-based capital ratio
35.03%Total risk-based capital ratio
Memoranda
$36Average assets
$67,817Average earning assets
$7,117Average equity
$61,641Average loans

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