Citizens State Bank in city_name, state_name - Detailed Financial Reports, Location

Citizens State Bank in Miles, Texas (TX)
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Citizens State Bank routing number info

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Citizens State Bank - Overview

General
FDIC Certificate #: 15519
Status: Active
Federal Reserve ID: 296755
Bank Holding Company (Regulatory Top Holder): Csb Financial Corporation (RSSDID: 3647572, Location: Miles, TX)
Date Established: August 02, 1937
WWW: http://www.citizensstatebk.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 9817
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 02, 1937
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: 111 South Robinson, Miles, TX 76861
County: Runnels
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Dallas
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: $80.1 mil
Equity capital: $7.2 mil
Deposits held in domestic offices: $72.8 mil
Return on assets (ROA): 2.05% ($1.6 mil)
Quarterly return on assets: 1.84% ($1.5 mil)
Return on Equity (ROE): 24.57% ($1.7 mil)
Quarterly return on equity: 21.07% ($1.5 mil)
Net income: $1.7 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 2.05% ($1,642.6 mil)
Quarterly Pretax return on assets: 1.84% ($1,474.3 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
19Total employees (full-time equivalent)
$80,127Total assets
$21,647Cash and due from depository institutions
$20,544Interest-bearing balances
$1,989Securities
$0Federal funds sold & reverse repurchase agreements
$53,440Net loans & leases
$714Loan loss allowance
$0Trading account assets
$1,628Bank premises and fixed assets
$515Other real estate owned
$0Goodwill and other intangibles
$80,127Life insurance assets
$908All other assets
$72,880Total liabilities and capital
$72,798Total liabilities
$57,054Total deposits
$72,798Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$82Subordinated debt
$7,247All other liabilities
$7,247Total equity capital
$7,247Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$1,900Surplus
$4,847Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$23Income earned, not collected on loans
$0Earning assets
$435Long-term assets (5+ years)
$75,973Average Assets, year-to-date
$21,641Average Assets, quarterly
$81,429Volatile liabilities
$82,035Insider loans
$53,391FHLB advances
$82,366Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,114Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,305Restructured Loans and leases
$557Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,099Total interest income
$551Total interest expense
$3,548Net interest income
$240Provision for loan and lease losses
$509Total noninterest income
$0Fiduciary activities
$194Service charges on deposit accounts
$0Trading account gains & fees
$315Additional noninterest income
$2,149Total noninterest expense
$1,066Salaries and employee benefits
$201Premises and equipment expense
$882Additional noninterest expense
$1,668Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,668Income before extraordinary items
$0Extraordinary gains - net
$1,668Net income attributable to bank
$0Net charge-offs
$1,668Cash dividends
$174Sale, conversion, retirement of capital stock, net
$657Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.49%Yield on earning assets
0.74%Cost of funding earning assets
4.75%Net interest margin
0.68%Noninterest income to earning assets
2.88%Noninterest expense to earning assets
2.05%Net operating income to assets
2.05%Return on assets (ROA)
2.05%Pretax return on assets
24.57%Return on equity (ROE)
14.89%Retained earnings to average equity (YTD only)
0.31%Net charge-offs to loans
137.93%Credit loss provision to net charge-offs
10.97%Efficiency ratio
52,970Assets per employee
4.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.39%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
3104.35%Noncurrent assets plus other real estate owned to assets
0.67%Noncurrent loans to loans
0.04%Net loans and leases to deposits
73.41%Net loans and leases to core deposits
79.18%Equity capital to assets
9.04%Core capital (leverage) ratio
8.64%Tier 1 risk-based capital ratio
13.32%Total risk-based capital ratio
Memoranda
$14Average assets
$81,429Average earning assets
$6,790Average equity
$74,659Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	9817	Citizens State Bank	111 South Robinson, Miles, TX 76861	August 02, 1937	Full Service Brick and Mortar
1	340853	329 West Harris Branch	329 West Harris, San Angelo, TX 76903	August 16, 1999	Full Service Brick and Mortar

Citizens State Bank in Miles, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens State Bank in Miles, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens State Bank in Miles, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches