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


Citizens National Bank - Overview

  • General
  • FDIC Certificate #: 24085
    Status: Active
    Federal Reserve ID: 700252
    Bank Holding Company (Regulatory Top Holder): Citizens Bancorp, Inc. (RSSDID: 1131460, Location: Crockett, TX)
    Date Established: September 07, 1982
    WWW: http://www.cnbcrockett.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 11696
    FDIC's unique #: 16790
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: September 07, 1982
    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: 1320 Loop 304 East, Crockett, TX 75835
    County: Houston
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $83.0 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $73.5 mil
    Return on assets (ROA): 0.30% ($0.2 mil)
    Quarterly return on assets: -0.27% (-$0.2 mil)
    Return on Equity (ROE): 3.34% ($0.3 mil)
    Quarterly return on equity: -2.85% (-$0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.30% ($249.1 mil)
    Quarterly Pretax return on assets: -0.27% (-$224.2 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
  • 20Total employees (full-time equivalent)
  • $83,037Total assets
  • $17,113Cash and due from depository institutions
  • $15,013Interest-bearing balances
  • $27,938Securities
  • $370Federal funds sold & reverse repurchase agreements
  • $32,248Net loans & leases
  • $860Loan loss allowance
  • $0Trading account assets
  • $893Bank premises and fixed assets
  • $733Other real estate owned
  • $0Goodwill and other intangibles
  • $83,037Life insurance assets
  • $3,742All other assets
  • $75,054Total liabilities and capital
  • $73,517Total liabilities
  • $52,808Total deposits
  • $73,517Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,537Subordinated debt
  • $7,983All other liabilities
  • $7,983Total equity capital
  • $7,983Total bank equity capital
  • $0Perpetual preferred stock
  • $655Common stock
  • $1,305Surplus
  • $6,023Undivided 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
  • $551Long-term assets (5+ years)
  • $75,569Average Assets, year-to-date
  • $30,383Average Assets, quarterly
  • $82,132Volatile liabilities
  • $83,179Insider loans
  • $43,543FHLB advances
  • $84,516Loans and leases held for sale
  • $2,718Unused loan commitments
  • $2,718Tier 1 (core) risk-based capital
  • $7,367Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,278Restructured Loans and leases
  • $370Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,832Total interest income
  • $348Total interest expense
  • $2,484Net interest income
  • $206Provision for loan and lease losses
  • $649Total noninterest income
  • $0Fiduciary activities
  • $481Service charges on deposit accounts
  • $0Trading account gains & fees
  • $168Additional noninterest income
  • $2,703Total noninterest expense
  • $1,418Salaries and employee benefits
  • $365Premises and equipment expense
  • $920Additional noninterest expense
  • $224Pre-tax net operating income
  • $19Securities gains (losses)
  • $0Applicable income taxes
  • $243Income before extraordinary items
  • $0Extraordinary gains - net
  • $243Net income attributable to bank
  • $0Net charge-offs
  • $243Cash dividends
  • $46Sale, conversion, retirement of capital stock, net
  • $177Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.86%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.69%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 3.34%Return on equity (ROE)
  • 0.91%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 447.83%Credit loss provision to net charge-offs
  • 9.35%Efficiency ratio
  • 86,275Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.84%Loss allowance to loans
  • 2.60%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.88%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 43.86%Net loans and leases to core deposits
  • 45.87%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 16.92%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $82,132Average earning assets
  • $7,270Average equity
  • $73,292Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016790Citizens National Bank1320 Loop 304 East, Crockett, TX 75835September 07, 1982Full Service Brick and Mortar

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