FDIC Certificate #: 24085 Status: Active Federal Reserve ID: 700252 Bank Holding Company (Regulatory Top Holder): Citizens Bancorp, Inc. (RSSDID: 1131460, Location: Crockett, TX) Date Established: September 07, 1982 WWW:http://www.cnbcrockett.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 11696 FDIC's unique #: 16790 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: September 07, 1982 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 1320 Loop 304 East, Crockett, TX 75835 County: Houston Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $83.0 mil Equity capital: $8.0 mil Deposits held in domestic offices: $73.5 mil Return on assets (ROA): 0.30% ($0.2 mil) Quarterly return on assets: -0.27% (-$0.2 mil) Return on Equity (ROE): 3.34% ($0.3 mil) Quarterly return on equity: -2.85% (-$0.2 mil) Net income: $0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.30% ($249.1 mil) Quarterly Pretax return on assets: -0.27% (-$224.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$83,037Total assets
$17,113Cash and due from depository institutions
$15,013Interest-bearing balances
$27,938Securities
$370Federal funds sold & reverse repurchase agreements
$32,248Net loans & leases
$860Loan loss allowance
$0Trading account assets
$893Bank premises and fixed assets
$733Other real estate owned
$0Goodwill and other intangibles
$83,037Life insurance assets
$3,742All other assets
$75,054Total liabilities and capital
$73,517Total liabilities
$52,808Total deposits
$73,517Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,537Subordinated debt
$7,983All other liabilities
$7,983Total equity capital
$7,983Total bank equity capital
$0Perpetual preferred stock
$655Common stock
$1,305Surplus
$6,023Undivided 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
$551Long-term assets (5+ years)
$75,569Average Assets, year-to-date
$30,383Average Assets, quarterly
$82,132Volatile liabilities
$83,179Insider loans
$43,543FHLB advances
$84,516Loans and leases held for sale
$2,718Unused loan commitments
$2,718Tier 1 (core) risk-based capital
$7,367Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,278Restructured Loans and leases
$370Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,832Total interest income
$348Total interest expense
$2,484Net interest income
$206Provision for loan and lease losses
$649Total noninterest income
$0Fiduciary activities
$481Service charges on deposit accounts
$0Trading account gains & fees
$168Additional noninterest income
$2,703Total noninterest expense
$1,418Salaries and employee benefits
$365Premises and equipment expense
$920Additional noninterest expense
$224Pre-tax net operating income
$19Securities gains (losses)
$0Applicable income taxes
$243Income before extraordinary items
$0Extraordinary gains - net
$243Net income attributable to bank
$0Net charge-offs
$243Cash dividends
$46Sale, conversion, retirement of capital stock, net
$177Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.86%Yield on earning assets
0.47%Cost of funding earning assets
3.39%Net interest margin
0.89%Noninterest income to earning assets
3.69%Noninterest expense to earning assets
0.27%Net operating income to assets
0.30%Return on assets (ROA)
0.30%Pretax return on assets
3.34%Return on equity (ROE)
0.91%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
447.83%Credit loss provision to net charge-offs
9.35%Efficiency ratio
86,275Assets per employee
4.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
72.84%Loss allowance to loans
2.60%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.88%Noncurrent loans to loans
0.00%Net loans and leases to deposits
43.86%Net loans and leases to core deposits
45.87%Equity capital to assets
9.61%Core capital (leverage) ratio
8.72%Tier 1 risk-based capital ratio
16.92%Total risk-based capital ratio
Memoranda
$18Average assets
$82,132Average earning assets
$7,270Average equity
$73,292Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
16790
Citizens National Bank
1320 Loop 304 East, Crockett, TX 75835
September 07, 1982
Full Service Brick and Mortar
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