Citizens Bank in Kilgore, Texas (TX)

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Citizens Bank
GeneralFDIC Certificate #: 16817
Status: Active
Federal Reserve ID: 744854
Bank Holding Company (Regulatory Top Holder): East Texas Financial Corporation (RSSDID: 1427556, Location: Kilgore, TX)
Date Established: July 24, 1949
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
FDIC's unique #: 10922
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: Commercial Lending Specialization
Date of Deposit Insurance: July 24, 1949
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
LocationAddress: 301 E Main Street, Kilgore, TX 75662
County: Gregg
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): Longview-Marshall, TX (#4420)
Combined Statistical Area (CSA): Longview-Marshall, TX (#346)
Core Based Statistical Area (CBSA): Longview, TX (#30980)
CBSA Metro Statistical Area: Longview, TX (#30980)
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $338.0 mil
Equity capital: $31.8 mil
Deposits held in domestic offices: $305.1 mil
Return on assets (ROA): 0.28% ($0.9 mil)
Quarterly return on assets: 0.45% ($1.5 mil)
Return on Equity (ROE): 2.83% ($0.9 mil)
Quarterly return on equity: 4.69% ($1.5 mil)
Net income: $0.9 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.41% ($1,385.7 mil)
Quarterly Pretax return on assets: 0.68% ($2,298.2 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)
Total employees (full-time equivalent)101
Total assets$337,974
Cash and due from depository institutions$61,189
Interest-bearing balances$51,794
Federal funds sold & reverse repurchase agreements$62,194
Net loans & leases$157,882
Loan loss allowance $2,450
Trading account assets$0
Bank premises and fixed assets$10,909
Other real estate owned$5,122
Goodwill and other intangibles$0
All other assets$4,511
Life insurance assets$337,974
Total liabilities and capital$306,220
Total liabilities$305,146
Total deposits$208,664
Interest-bearing deposits$305,146
Deposits held in domestic offices$83
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,074
All other liabilities $31,754
Total equity capital$31,754
Total bank equity capital$31,754
Perpetual preferred stock$0
Common stock$1,050
Undivided profits $13,754
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,536
Earning assets $0
Long-term assets (5+ years) $928
Average Assets, year-to-date $308,037
Average Assets, quarterly $46,830
Volatile liabilities $321,381
Insider loans $331,801
FHLB advances $202,278
Loans and leases held for sale $332,226
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $31,413
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $28,379
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,877
Total interest expense $1,295
Net interest income $10,582
Provision for loan and lease losses $300
Total noninterest income $1,993
Fiduciary activities $89
Service charges on deposit accounts $928
Trading account gains & fees $0
Additional noninterest income $976
Total noninterest expense $10,952
Salaries and employee benefits $5,944
Premises and equipment expense $1,906
Additional noninterest expense $3,102
Pre-tax net operating income $1,323
Securities gains (losses) $0
Applicable income taxes $438
Income before extraordinary items $885
Extraordinary gains - net $0
Net income attributable to bank $885
Net charge-offs $0
Cash dividends $885
Sale, conversion, retirement of capital stock, net $2,735
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.06%
Cost of funding earning assets 0.44%
Net interest margin 3.62%
Noninterest income to earning assets 0.68%
Noninterest expense to earning assets 3.74%
Net operating income to assets 0.28%
Return on assets (ROA) 0.28%
Pretax return on assets 0.41%
Return on equity (ROE) 2.83%
Retained earnings to average equity (YTD only) 2.83%
Net charge-offs to loans 1.62%
Credit loss provision to net charge-offs 10.97%
Efficiency ratio0.59%
Assets per employee$87,093
Cash dividends to net income (YTD only)3.35%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.53%
Noncurrent assets plus other real estate owned to assets 96.61%
Noncurrent loans to loans 2.27%
Net loans and leases to deposits1.58%
Net loans and leases to core deposits 51.74%
Equity capital to assets 56.05%
Core capital (leverage) ratio 9.40%
Tier 1 risk-based capital ratio 9.46%
Total risk-based capital ratio 15.53%
Average assets$17
Average earning assets$321,381
Average equity $31,282
Average loans $292,562
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$8,260
Number of Accounts1
Personal trust and agency accounts$7,995
Employee benefit-defined contribution accounts$7,995
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts19
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$265
Corporate trust and agency accounts$0
Other fiduciary accounts$265
Fiduciary accounts held in foreign offices$0
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10 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010922Citizens Bank301 E Main Street, Kilgore, TX 75662July 24, 1949Full Service Brick and Mortar
111619Center Branch104 Austin Street, Center, TX 75935January 01, 1910Full Service Brick and Mortar
33810Yorktown Branch311 East Main Street, Yorktown, TX 78164October 01, 1903Full Service Brick and Mortar
447842Sour Lake Branch125 Highway 326 S, Sour Lake, TX 77659October 30, 1992Full Service Brick and Mortar
547834Kountze Branch1055 S Pine St, Kountze, TX 77625October 30, 1992Full Service Brick and Mortar
6238871Carthage Branch425 Northwest Loop 436, Carthage, TX 75633September 02, 1997Full Service Brick and Mortar
7439652Humble Branch8811 Fm 1960 Bypass Road W, Humble, TX 77338April 04, 2005Full Service Brick and Mortar
8493384The Woodlands Branch3705 College Park Drive, The Woodlands, TX 77384December 15, 2008Full Service Brick and Mortar
9494847Bryan/College Station Branch3111 University Drive East, Bryan, TX 77802September 14, 2009Full Service Brick and Mortar
10518757Brookshire Branch747 Highway 259 North, Kilgore, TX 75662Febuary 28, 2001Full Service Retail
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