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

This bank is inactive as of January 31, 1995

Citizens State Bank of Dalhart in Dalhart, Texas (TX)
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Citizens State Bank of Dalhart - Overview

General
FDIC Certificate #: 1182
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Boatmen's First National Bank of Amarillo (#3072)
Federal Reserve ID: 775250
Date Established: January 01, 1920
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
OTS Docket #: 10025
FDIC's unique #: 811
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 31, 1995
Last Structure Change Process Date: Febuary 22, 1995
Last Data Update: Febuary 22, 1995
Data Source Date: April 05, 2012
Location
Address: 323 Denver Avenue, Dalhart, TX 79022
County: Dallam
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
Financial Summary
Total assets: $137.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$69Total assets
$137,591Cash and due from depository institutions
$11,728Interest-bearing balances
$100Securities
$46,690Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$74,228Loan loss allowance
$1,016Trading account assets
$0Bank premises and fixed assets
$1,863Other real estate owned
$0Goodwill and other intangibles
$2,326Life insurance assets
$756All other assets
$0Total liabilities and capital
$137,591Total liabilities
$124,625Total deposits
$118,230Interest-bearing deposits
$84,355Deposits held in domestic offices
118230.00%% insured (estimated)
$85Federal funds purchased & repurchase agreements
$2,400Trading liabilities
$0Other borrowed funds
$3,115Subordinated debt
$0All other liabilities
$880Total equity capital
$880Total bank equity capital
$12,966Perpetual preferred stock
$0Common stock
$2,000Surplus
$6,000Undivided profits
Memoranda
$4,966Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3Income earned, not collected on loans
$1,166Earning assets
$121,018Long-term assets (5+ years)
$14,517Average Assets, year-to-date
$141,041Average Assets, quarterly
$136,790Volatile liabilities
$17,922Insider loans
$1,101FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$34,768Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$13,105Total risk weighted assets
$91,928Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$9,565Total interest expense
$3,051Net interest income
$6,514Provision for loan and lease losses
$150Total noninterest income
$629Fiduciary activities
$12Service charges on deposit accounts
$471Trading account gains & fees
$0Additional noninterest income
$146Total noninterest expense
$5,186Salaries and employee benefits
$2,245Premises and equipment expense
$729Additional noninterest expense
$2,212Pre-tax net operating income
$1,807Securities gains (losses)
$0Applicable income taxes
$379Income before extraordinary items
$1,428Extraordinary gains - net
$0Net income attributable to bank
$1,428Net charge-offs
$9Cash dividends
$92Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.49%Cost of funding earning assets
2.39%Net interest margin
5.10%Noninterest income to earning assets
0.49%Noninterest expense to earning assets
4.06%Net operating income to assets
1.01%Return on assets (ROA)
1.01%Pretax return on assets
1.28%Return on equity (ROE)
11.01%Retained earnings to average equity (YTD only)
10.30%Net charge-offs to loans
0.01%Credit loss provision to net charge-offs
1666.67%Efficiency ratio
71,077Assets per employee
1.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
6.44%Loss allowance to loans
1.35%Loss allowance to noncurrent loans
33866.67%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
62.78%Net loans and leases to core deposits
70.31%Equity capital to assets
9.42%Core capital (leverage) ratio
9.73%Tier 1 risk-based capital ratio
14.26%Total risk-based capital ratio
Memoranda
$15Average assets
$141,041Average earning assets
$12,973Average equity
$127,732Average loans

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