FDIC Certificate #: 17214 Status: Active Federal Reserve ID: 523161 Date Established: August 12, 1907 WWW:http://www.csbsealy.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) OTS Docket #: 12889 FDIC's unique #: 11243 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: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: April 24, 1953 Last Structure Change Effective Date: April 04, 2011 Last Structure Change Process Date: April 05, 2011 Last Data Update: April 05, 2011 Data Source Date: April 05, 2012
Location
Address: 222 Main Street, Sealy, TX 77474 County: Austin 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 Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
Financial Summary
Total assets: $178.9 mil Equity capital: $21.2 mil Deposits held in domestic offices: $154.5 mil Return on assets (ROA): 1.41% ($2.5 mil) Quarterly return on assets: 1.43% ($2.6 mil) Return on Equity (ROE): 12.27% ($2.6 mil) Quarterly return on equity: 11.96% ($2.5 mil) Net income: $2.5 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.68% ($3,005.7 mil) Quarterly Pretax return on assets: 1.58% ($2,826.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
37Total employees (full-time equivalent)
$178,910Total assets
$3,219Cash and due from depository institutions
$111Interest-bearing balances
$108,622Securities
$8,675Federal funds sold & reverse repurchase agreements
$53,586Net loans & leases
$690Loan loss allowance
$0Trading account assets
$666Bank premises and fixed assets
$1,516Other real estate owned
$0Goodwill and other intangibles
$178,910Life insurance assets
$2,626All other assets
$157,684Total liabilities and capital
$154,487Total liabilities
$113,519Total deposits
$154,487Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$294Trading liabilities
$0Other borrowed funds
$2,903Subordinated debt
$21,226All other liabilities
$21,226Total equity capital
$21,226Total bank equity capital
$0Perpetual preferred stock
$641Common stock
$5,359Surplus
$15,226Undivided 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
$1,102Long-term assets (5+ years)
$170,994Average Assets, year-to-date
$94,310Average Assets, quarterly
$175,419Volatile liabilities
$179,480Insider loans
$74,913FHLB advances
$179,786Loans and leases held for sale
$863Unused loan commitments
$863Tier 1 (core) risk-based capital
$19,062Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,797Restructured Loans and leases
$463Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,750Total interest income
$1,061Total interest expense
$5,689Net interest income
$2Provision for loan and lease losses
$986Total noninterest income
$0Fiduciary activities
$752Service charges on deposit accounts
$0Trading account gains & fees
$234Additional noninterest income
$4,429Total noninterest expense
$2,706Salaries and employee benefits
$378Premises and equipment expense
$1,345Additional noninterest expense
$2,244Pre-tax net operating income
$695Securities gains (losses)
$472Applicable income taxes
$2,467Income before extraordinary items
$0Extraordinary gains - net
$2,467Net income attributable to bank
$0Net charge-offs
$2,467Cash dividends
-$7Sale, conversion, retirement of capital stock, net
$1,201Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.02%Yield on earning assets
0.63%Cost of funding earning assets
3.39%Net interest margin
0.59%Noninterest income to earning assets
2.64%Noninterest expense to earning assets
1.07%Net operating income to assets
1.41%Return on assets (ROA)
1.68%Pretax return on assets
12.27%Return on equity (ROE)
6.30%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-28.57%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,352Assets per employee
4.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
48.68%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
3000.00%Noncurrent assets plus other real estate owned to assets
0.86%Noncurrent loans to loans
0.04%Net loans and leases to deposits
34.69%Net loans and leases to core deposits
35.73%Equity capital to assets
11.86%Core capital (leverage) ratio
10.60%Tier 1 risk-based capital ratio
25.45%Total risk-based capital ratio
Memoranda
$26Average assets
$175,419Average earning assets
$20,105Average equity
$167,780Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11243
Citizens State Bank
222 Main Street, Sealy, TX 77474
August 12, 1907
Full Service Brick and Mortar
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