Citizens Bank, National Association in Abilene, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank, National Association - Overview

  • General
  • FDIC Certificate #: 12309
    Status: Active
    Federal Reserve ID: 617051
    Bank Holding Company (Regulatory Top Holder): Big Country Bancshares, Inc. (RSSDID: 3825138, Location: Abilene, TX)
    Date Established: January 01, 1923
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13477
    FDIC's unique #: 7826
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    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: 4201 S Treadaway Blvd, Abilene, TX 79602
    County: Taylor
    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): Abilene, TX (#40)
    Core Based Statistical Area (CBSA): Abilene, TX (#10180)
    CBSA Metro Statistical Area: Abilene, TX (#10180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $92.3 mil
    Equity capital: $11.1 mil
    Deposits held in domestic offices: $80.7 mil
    Return on assets (ROA): 1.78% ($1.6 mil)
    Quarterly return on assets: 1.74% ($1.6 mil)
    Return on Equity (ROE): 13.93% ($1.5 mil)
    Quarterly return on equity: 14.12% ($1.6 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.78% ($1,642.2 mil)
    Quarterly Pretax return on assets: 1.74% ($1,605.3 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
  • 26Total employees (full-time equivalent)
  • $92,258Total assets
  • $5,079Cash and due from depository institutions
  • $1,603Interest-bearing balances
  • $13,828Securities
  • $7,150Federal funds sold & reverse repurchase agreements
  • $56,330Net loans & leases
  • $937Loan loss allowance
  • $0Trading account assets
  • $3,070Bank premises and fixed assets
  • $0Other real estate owned
  • $4,100Goodwill and other intangibles
  • $92,258Life insurance assets
  • $2,701All other assets
  • $81,207Total liabilities and capital
  • $80,725Total liabilities
  • $43,747Total deposits
  • $80,725Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $482Subordinated debt
  • $11,051All other liabilities
  • $11,051Total equity capital
  • $11,051Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $10,582Surplus
  • $269Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,563Income earned, not collected on loans
  • $646Earning assets
  • $364Long-term assets (5+ years)
  • $78,911Average Assets, year-to-date
  • $8,621Average Assets, quarterly
  • $86,062Volatile liabilities
  • $90,041Insider loans
  • $69,196FHLB advances
  • $87,800Loans and leases held for sale
  • $1,424Unused loan commitments
  • $1,424Tier 1 (core) risk-based capital
  • $6,931Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,587Restructured Loans and leases
  • $421Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,768Total interest income
  • $274Total interest expense
  • $3,494Net interest income
  • $60Provision for loan and lease losses
  • $601Total noninterest income
  • $0Fiduciary activities
  • $323Service charges on deposit accounts
  • $0Trading account gains & fees
  • $278Additional noninterest income
  • $2,505Total noninterest expense
  • $1,269Salaries and employee benefits
  • $480Premises and equipment expense
  • $756Additional noninterest expense
  • $1,530Pre-tax net operating income
  • -$1Securities gains (losses)
  • $0Applicable income taxes
  • $1,529Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,529Net income attributable to bank
  • $0Net charge-offs
  • $1,529Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $1,405Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 4.76%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 1.78%Net operating income to assets
  • 1.78%Return on assets (ROA)
  • 1.78%Pretax return on assets
  • 13.93%Return on equity (ROE)
  • 1.13%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -1200.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 61,172Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.89%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 59.95%Noncurrent assets plus other real estate owned to assets
  • 1.69%Noncurrent loans to loans
  • 2.73%Net loans and leases to deposits
  • 69.78%Net loans and leases to core deposits
  • 75.29%Equity capital to assets
  • 11.98%Core capital (leverage) ratio
  • 7.89%Tier 1 risk-based capital ratio
  • 10.02%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $86,062Average earning assets
  • $10,974Average equity
  • $73,412Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07826Citizens Bank, National Association4201 S Treadaway Blvd, Abilene, TX 79602January 01, 1923Full Service Brick and Mortar
    1226835Knox City Branch110 North 2nd, Knox City, TX 79529May 26, 1993Full Service Brick and Mortar

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