FDIC Certificate #: 9015 Status: Active Federal Reserve ID: 643368 Bank Holding Company (Regulatory Top Holder): Baylor Bancshares, Inc. (RSSDID: 1104307, Location: Seymour, TX) Date Established: January 01, 1907 WWW:http://www.csbprinceton.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 5757 Numeric code: 13 Regulator: FED 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: January 01, 1934 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: 112 West Highway 380, Princeton, TX 75407 County: Collin 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 Metropolitan Statistical Area (MSA): Dallas, TX (#1920) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $44.1 mil Equity capital: $9.7 mil Deposits held in domestic offices: $34.4 mil Return on assets (ROA): 0.39% ($0.2 mil) Quarterly return on assets: 0.12% ($0.1 mil) Return on Equity (ROE): 1.61% ($0.2 mil) Quarterly return on equity: 0.53% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.54% ($238.3 mil) Quarterly Pretax return on assets: 0.30% ($132.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$44,132Total assets
$1,253Cash and due from depository institutions
$155Interest-bearing balances
$25,090Securities
$4,100Federal funds sold & reverse repurchase agreements
$8,208Net loans & leases
$242Loan loss allowance
$0Trading account assets
$363Bank premises and fixed assets
$430Other real estate owned
$4,325Goodwill and other intangibles
$44,131Life insurance assets
$363All other assets
$34,473Total liabilities and capital
$34,435Total liabilities
$26,901Total deposits
$34,435Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$38Subordinated debt
$9,658All other liabilities
$9,658Total equity capital
$9,658Total bank equity capital
$0Perpetual preferred stock
$797Common stock
$1,797Surplus
$7,064Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$24Income earned, not collected on loans
$0Earning assets
$181Long-term assets (5+ years)
$37,553Average Assets, year-to-date
$27,939Average Assets, quarterly
$39,817Volatile liabilities
$42,273Insider loans
$13,938FHLB advances
$36,699Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,390Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,924Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,070Total interest income
$233Total interest expense
$837Net interest income
$0Provision for loan and lease losses
$271Total noninterest income
$0Fiduciary activities
$151Service charges on deposit accounts
$0Trading account gains & fees
$120Additional noninterest income
$1,035Total noninterest expense
$520Salaries and employee benefits
$101Premises and equipment expense
$414Additional noninterest expense
$73Pre-tax net operating income
$142Securities gains (losses)
$60Applicable income taxes
$155Income before extraordinary items
$0Extraordinary gains - net
$155Net income attributable to bank
$0Net charge-offs
$155Cash dividends
$20Sale, conversion, retirement of capital stock, net
$155Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.23%Yield on earning assets
0.70%Cost of funding earning assets
2.52%Net interest margin
0.82%Noninterest income to earning assets
3.12%Noninterest expense to earning assets
0.13%Net operating income to assets
0.39%Return on assets (ROA)
0.54%Pretax return on assets
1.61%Return on equity (ROE)
0.00%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
3.65%Efficiency ratio
93,412Assets per employee
4.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
100.00%Loss allowance to loans
2.86%Loss allowance to noncurrent loans
1008.33%Noncurrent assets plus other real estate owned to assets
1.03%Noncurrent loans to loans
0.28%Net loans and leases to deposits
23.84%Net loans and leases to core deposits
24.05%Equity capital to assets
21.88%Core capital (leverage) ratio
14.69%Tier 1 risk-based capital ratio
38.67%Total risk-based capital ratio
Memoranda
$40Average assets
$39,817Average earning assets
$9,599Average equity
$33,171Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5757
Citizens State Bank
112 West Highway 380, Princeton, TX 75407
January 01, 1907
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens State Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: