FDIC Certificate #: 16581 Status: Active Federal Reserve ID: 489155 Bank Holding Company (Regulatory Top Holder): Anton Bancshares, Inc. (RSSDID: 1109209, Location: Anton, TX) Date Established: June 07, 1947 WWW:http://www.csbanton.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 10726 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: June 07, 1947 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: 224 North Main Street, Anton, TX 79313 County: Hockley 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 Combined Statistical Area (CSA): Lubbock-Levelland, TX (#352) Core Based Statistical Area (CBSA): Levelland, TX (#30220) CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $36.0 mil Equity capital: $2.4 mil Deposits held in domestic offices: $33.4 mil Return on assets (ROA): 0.22% ($0.1 mil) Quarterly return on assets: -0.06% (-$0.0 mil) Return on Equity (ROE): 3.04% ($0.1 mil) Quarterly return on equity: -0.82% (-$0.0 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.16% ($57.6 mil) Quarterly Pretax return on assets: -0.06% (-$21.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$35,998Total assets
$3,490Cash and due from depository institutions
$2,000Interest-bearing balances
$8,173Securities
$12,800Federal funds sold & reverse repurchase agreements
$10,993Net loans & leases
$176Loan loss allowance
$0Trading account assets
$167Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$35,998Life insurance assets
$375All other assets
$33,552Total liabilities and capital
$33,360Total liabilities
$27,098Total deposits
$33,360Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$192Subordinated debt
$2,446All other liabilities
$2,446Total equity capital
$2,446Total bank equity capital
$0Perpetual preferred stock
$168Common stock
$1,832Surplus
$446Undivided 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
$271Long-term assets (5+ years)
$33,966Average Assets, year-to-date
$2,740Average Assets, quarterly
$33,960Volatile liabilities
$34,585Insider loans
$16,944FHLB advances
$34,316Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,446Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,551Restructured Loans and leases
$538Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,163Total interest income
$360Total interest expense
$803Net interest income
$0Provision for loan and lease losses
$138Total noninterest income
$0Fiduciary activities
$94Service charges on deposit accounts
$0Trading account gains & fees
$44Additional noninterest income
$886Total noninterest expense
$385Salaries and employee benefits
$159Premises and equipment expense
$342Additional noninterest expense
$55Pre-tax net operating income
$0Securities gains (losses)
-$19Applicable income taxes
$74Income before extraordinary items
$0Extraordinary gains - net
$74Net income attributable to bank
$0Net charge-offs
$74Cash dividends
-$57Sale, conversion, retirement of capital stock, net
$65Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.61%Yield on earning assets
1.12%Cost of funding earning assets
2.49%Net interest margin
0.43%Noninterest income to earning assets
2.75%Noninterest expense to earning assets
0.22%Net operating income to assets
0.22%Return on assets (ROA)
0.16%Pretax return on assets
3.04%Return on equity (ROE)
0.37%Retained earnings to average equity (YTD only)
-0.41%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
94,155Assets per employee
4.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
87.84%Loss allowance to loans
1.58%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
32.95%Net loans and leases to core deposits
35.22%Equity capital to assets
6.79%Core capital (leverage) ratio
7.13%Tier 1 risk-based capital ratio
14.44%Total risk-based capital ratio
Memoranda
$15Average assets
$33,960Average earning assets
$2,431Average equity
$32,194Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10726
Citizens State Bank
224 North Main Street, Anton, TX 79313
June 07, 1947
Full Service Brick and Mortar
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