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

Citizens Bank - Overview

  • General
  • FDIC Certificate #: 3140
    Status: Active
    Federal Reserve ID: 885252
    Bank Holding Company (Regulatory Top Holder): Triple J Financial, Inc. (RSSDID: 2952541, Location: Claude, TX)
    Date Established: Febuary 04, 1904
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: Yes)
    FDIC's unique #: 2010
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 N.Trice St, Claude, TX 79019
    County: Armstrong
    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
    Core Based Statistical Area (CBSA): Amarillo, TX (#11100)
    CBSA Metro Statistical Area: Amarillo, TX (#11100)
  • Financial Summary
  • Total assets: $112.2 mil
    Equity capital: $10.5 mil
    Deposits held in domestic offices: $99.4 mil
    Return on assets (ROA): 1.60% ($1.8 mil)
    Quarterly return on assets: 0.82% ($0.9 mil)
    Return on Equity (ROE): 16.07% ($1.8 mil)
    Quarterly return on equity: 8.58% ($0.9 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.60% ($1,795.0 mil)
    Quarterly Pretax return on assets: 0.82% ($919.9 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
  • 22Total employees (full-time equivalent)
  • $112,185Total assets
  • $9,654Cash and due from depository institutions
  • $8,372Interest-bearing balances
  • $31,640Securities
  • $5,435Federal funds sold & reverse repurchase agreements
  • $60,515Net loans & leases
  • $81Loan loss allowance
  • $0Trading account assets
  • $3,379Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $112,185Life insurance assets
  • $1,562All other assets
  • $101,647Total liabilities and capital
  • $99,447Total liabilities
  • $82,731Total deposits
  • $99,447Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,140Trading liabilities
  • $0Other borrowed funds
  • $60Subordinated debt
  • $10,538All other liabilities
  • $10,538Total equity capital
  • $10,538Total bank equity capital
  • $0Perpetual preferred stock
  • $108Common stock
  • $9,334Surplus
  • $1,096Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $1,121Long-term assets (5+ years)
  • $105,962Average Assets, year-to-date
  • $37,781Average Assets, quarterly
  • $109,036Volatile liabilities
  • $112,157Insider loans
  • $74,292FHLB advances
  • $113,691Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,511Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,010Restructured Loans and leases
  • $2,982Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,162Total interest income
  • $752Total interest expense
  • $3,410Net interest income
  • $0Provision for loan and lease losses
  • $380Total noninterest income
  • $0Fiduciary activities
  • $298Service charges on deposit accounts
  • $0Trading account gains & fees
  • $82Additional noninterest income
  • $2,615Total noninterest expense
  • $1,717Salaries and employee benefits
  • $225Premises and equipment expense
  • $673Additional noninterest expense
  • $1,175Pre-tax net operating income
  • $567Securities gains (losses)
  • $0Applicable income taxes
  • $1,742Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,742Net income attributable to bank
  • $0Net charge-offs
  • $1,742Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.05%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.60%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 16.07%Return on equity (ROE)
  • 2.23%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 167.86%Efficiency ratio
  • 68,997Assets per employee
  • 5.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.11%Loss allowance to loans
  • 0.13%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 60.85%Net loans and leases to core deposits
  • 61.86%Equity capital to assets
  • 9.39%Core capital (leverage) ratio
  • 9.25%Tier 1 risk-based capital ratio
  • 14.15%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $109,036Average earning assets
  • $10,842Average equity
  • $102,667Average loans

List of branches

  • 1 New Mexico Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    310809Tucumcari Branch211 East Main Street, Tucumcari, NM 88401March 15, 1948Full Service Brick and Mortar
  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02010Citizens Bank101 N.Trice St, Claude, TX 79019Febuary 04, 1904Full Service Brick and Mortar
    2196098Tulia Branch200 North Maxwell, Tulia, TX 79088June 16, 1997Full Service Brick and Mortar
    4514538Amarillo Branch4121 South Georgia Street, Amarillo, TX 79110November 29, 2010Full Service Brick and Mortar

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