FDIC Certificate #: 18148 Status: Active Federal Reserve ID: 469362 Date Established: January 30, 1960 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 #: 12069 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: All Other Specialization < 1 Billion Date of Deposit Insurance: Febuary 05, 1960 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: 210 Main Street, Tenaha, TX 75974 County: Shelby 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: $35.1 mil Equity capital: $4.6 mil Deposits held in domestic offices: $30.3 mil Return on assets (ROA): 1.31% ($0.5 mil) Quarterly return on assets: 0.54% ($0.2 mil) Return on Equity (ROE): 10.43% ($0.5 mil) Quarterly return on equity: 4.05% ($0.2 mil) Net income: $0.5 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.92% ($674.2 mil) Quarterly Pretax return on assets: 1.15% ($403.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$35,114Total assets
$6,175Cash and due from depository institutions
$1,847Interest-bearing balances
$8,294Securities
$4,000Federal funds sold & reverse repurchase agreements
$15,938Net loans & leases
$278Loan loss allowance
$0Trading account assets
$11Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$35,114Life insurance assets
$696All other assets
$30,479Total liabilities and capital
$30,337Total liabilities
$24,659Total deposits
$30,337Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$142Subordinated debt
$4,635All other liabilities
$4,635Total equity capital
$4,635Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$1,500Surplus
$2,835Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$728Income earned, not collected on loans
$0Earning assets
$206Long-term assets (5+ years)
$30,079Average Assets, year-to-date
$13,311Average Assets, quarterly
$35,145Volatile liabilities
$35,095Insider loans
$16,446FHLB advances
$34,790Loans and leases held for sale
$92Unused loan commitments
$92Tier 1 (core) risk-based capital
$4,546Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$500Restructured Loans and leases
$339Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,949Total interest income
$228Total interest expense
$1,721Net interest income
$230Provision for loan and lease losses
$161Total noninterest income
$0Fiduciary activities
$150Service charges on deposit accounts
$0Trading account gains & fees
$11Additional noninterest income
$977Total noninterest expense
$496Salaries and employee benefits
$52Premises and equipment expense
$429Additional noninterest expense
$675Pre-tax net operating income
$0Securities gains (losses)
$215Applicable income taxes
$460Income before extraordinary items
$0Extraordinary gains - net
$460Net income attributable to bank
$0Net charge-offs
$460Cash dividends
$269Sale, conversion, retirement of capital stock, net
$30Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.36%Yield on earning assets
0.74%Cost of funding earning assets
5.62%Net interest margin
0.53%Noninterest income to earning assets
3.19%Noninterest expense to earning assets
1.31%Net operating income to assets
1.31%Return on assets (ROA)
1.92%Pretax return on assets
10.43%Return on equity (ROE)
9.75%Retained earnings to average equity (YTD only)
1.53%Net charge-offs to loans
85.50%Credit loss provision to net charge-offs
3.36%Efficiency ratio
51,913Assets per employee
3.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
6.52%Loss allowance to loans
1.71%Loss allowance to noncurrent loans
38.19%Noncurrent assets plus other real estate owned to assets
2.07%Noncurrent loans to loans
4.49%Net loans and leases to deposits
52.54%Net loans and leases to core deposits
53.90%Equity capital to assets
13.20%Core capital (leverage) ratio
13.07%Tier 1 risk-based capital ratio
27.64%Total risk-based capital ratio
Memoranda
$29Average assets
$35,145Average earning assets
$4,410Average equity
$30,628Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12069
Citizens State Bank
210 Main Street, Tenaha, TX 75974
January 30, 1960
Full Service Brick and Mortar
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