Citizens Bank in Kilgore, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 101Total employees (full-time equivalent)
  • $337,974Total assets
  • $61,189Cash and due from depository institutions
  • $51,794Interest-bearing balances
  • $36,167Securities
  • $62,194Federal funds sold & reverse repurchase agreements
  • $157,882Net loans & leases
  • $2,450Loan loss allowance
  • $0Trading account assets
  • $10,909Bank premises and fixed assets
  • $5,122Other real estate owned
  • $0Goodwill and other intangibles
  • $337,974Life insurance assets
  • $4,511All other assets
  • $306,220Total liabilities and capital
  • $305,146Total liabilities
  • $208,664Total deposits
  • $305,146Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,074Subordinated debt
  • $31,754All other liabilities
  • $31,754Total equity capital
  • $31,754Total bank equity capital
  • $0Perpetual preferred stock
  • $1,050Common stock
  • $16,950Surplus
  • $13,754Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,536Income earned, not collected on loans
  • $0Earning assets
  • $928Long-term assets (5+ years)
  • $308,037Average Assets, year-to-date
  • $46,830Average Assets, quarterly
  • $321,381Volatile liabilities
  • $331,801Insider loans
  • $202,278FHLB advances
  • $332,226Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,413Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,379Restructured Loans and leases
  • $6,165Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,877Total interest income
  • $1,295Total interest expense
  • $10,582Net interest income
  • $300Provision for loan and lease losses
  • $1,993Total noninterest income
  • $89Fiduciary activities
  • $928Service charges on deposit accounts
  • $0Trading account gains & fees
  • $976Additional noninterest income
  • $10,952Total noninterest expense
  • $5,944Salaries and employee benefits
  • $1,906Premises and equipment expense
  • $3,102Additional noninterest expense
  • $1,323Pre-tax net operating income
  • $0Securities gains (losses)
  • $438Applicable income taxes
  • $885Income before extraordinary items
  • $0Extraordinary gains - net
  • $885Net income attributable to bank
  • $0Net charge-offs
  • $885Cash dividends
  • $2,735Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.74%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 2.83%Return on equity (ROE)
  • 2.83%Retained earnings to average equity (YTD only)
  • 1.62%Net charge-offs to loans
  • 10.97%Credit loss provision to net charge-offs
  • 0.59%Efficiency ratio
  • 87,093Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 96.61%Noncurrent assets plus other real estate owned to assets
  • 2.27%Noncurrent loans to loans
  • 1.58%Net loans and leases to deposits
  • 51.74%Net loans and leases to core deposits
  • 56.05%Equity capital to assets
  • 9.40%Core capital (leverage) ratio
  • 9.46%Tier 1 risk-based capital ratio
  • 15.53%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $321,381Average earning assets
  • $31,282Average equity
  • $292,562Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $8,260Managed Assets
  • 1Number of Accounts
  • $7,995Personal trust and agency accounts
  • $7,995Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 19Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $265Other retirement accounts
  • $0Corporate trust and agency accounts
  • $265Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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