Citizens Bank and Trust Company in Pampa, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 25, 1995

  • Citizens Bank and Trust Company in Pampa, Texas (TX)
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Citizens Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 15743
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: FirstBank Southwest (#3387)
    Federal Reserve ID: 905169
    Date Established: May 27, 1940
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 9996
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 27, 1940
    Last Structure Change Effective Date: August 25, 1995
    Last Structure Change Process Date: August 31, 1995
    Last Data Update: August 31, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 West Kingsmill Street, Pampa, TX 79065
    County: Gray
    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): Pampa, TX (#37420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Absorption - Without Assistance
  • Financial Summary
  • Total assets: $68.1 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)
  • $26Total assets
  • $66,749Cash and due from depository institutions
  • $4,143Interest-bearing balances
  • $0Securities
  • $45,088Federal funds sold & reverse repurchase agreements
  • $1,300Net loans & leases
  • $12,958Loan loss allowance
  • $249Trading account assets
  • $0Bank premises and fixed assets
  • $1,493Other real estate owned
  • $148Goodwill and other intangibles
  • $1,619Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $66,749Total liabilities
  • $60,600Total deposits
  • $59,655Interest-bearing deposits
  • $49,945Deposits held in domestic offices
  • 59655.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $600Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $345Total equity capital
  • $345Total bank equity capital
  • $6,149Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $4,027Undivided profits
  • Memoranda
  • $1,522Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $72Income earned, not collected on loans
  • $180Earning assets
  • $59,346Long-term assets (5+ years)
  • $2,746Average Assets, year-to-date
  • $67,817Average Assets, quarterly
  • $66,130Volatile liabilities
  • $12,068Insider loans
  • $2,287FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,375Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,432Total risk weighted assets
  • $18,363Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,864Total interest expense
  • $1,605Net interest income
  • $2,259Provision for loan and lease losses
  • -$50Total noninterest income
  • $417Fiduciary activities
  • $0Service charges on deposit accounts
  • $323Trading account gains & fees
  • $0Additional noninterest income
  • $94Total noninterest expense
  • $1,925Salaries and employee benefits
  • $892Premises and equipment expense
  • $232Additional noninterest expense
  • $801Pre-tax net operating income
  • $801Securities gains (losses)
  • $1Applicable income taxes
  • $147Income before extraordinary items
  • $655Extraordinary gains - net
  • $0Net income attributable to bank
  • $655Net charge-offs
  • -$31Cash dividends
  • $1,500Sale, 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
  • 6.27%Cost of funding earning assets
  • 2.60%Net interest margin
  • 3.66%Noninterest income to earning assets
  • 0.68%Noninterest expense to earning assets
  • 3.12%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 1.18%Return on equity (ROE)
  • 9.20%Retained earnings to average equity (YTD only)
  • -11.87%Net charge-offs to loans
  • -0.25%Credit loss provision to net charge-offs
  • 161.29%Efficiency ratio
  • 71,936Assets per employee
  • 2.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 229.01%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 345.83%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.55%Net loans and leases to deposits
  • 21.72%Net loans and leases to core deposits
  • 26.89%Equity capital to assets
  • 9.21%Core capital (leverage) ratio
  • 9.71%Tier 1 risk-based capital ratio
  • 35.03%Total risk-based capital ratio
  • Memoranda
  • $36Average assets
  • $67,817Average earning assets
  • $7,117Average equity
  • $61,641Average loans

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