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

Citizens National Bank - Overview

  • General
  • FDIC Certificate #: 3127
    Status: Active
    Federal Reserve ID: 59352
    Bank Holding Company (Regulatory Top Holder): Central Texas Financial Corp. (RSSDID: 3137729, Location: Cameron, TX)
    Date Established: July 01, 1900
    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: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 2001
    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: 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: 118 South Houston Street, Cameron, TX 76520
    County: Milam
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    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: $322.3 mil
    Equity capital: $35.1 mil
    Deposits held in domestic offices: $286.6 mil
    Return on assets (ROA): 1.33% ($4.3 mil)
    Quarterly return on assets: 1.22% ($3.9 mil)
    Return on Equity (ROE): 12.58% ($4.4 mil)
    Quarterly return on equity: 11.24% ($3.9 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.33% ($4,286.0 mil)
    Quarterly Pretax return on assets: 1.22% ($3,931.5 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
  • 67Total employees (full-time equivalent)
  • $322,254Total assets
  • $19,361Cash and due from depository institutions
  • $14,473Interest-bearing balances
  • $181,823Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $106,781Net loans & leases
  • $2,406Loan loss allowance
  • $0Trading account assets
  • $6,546Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $322,254Life insurance assets
  • $7,743All other assets
  • $287,195Total liabilities and capital
  • $286,581Total liabilities
  • $274,441Total deposits
  • $286,581Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $614Subordinated debt
  • $35,059All other liabilities
  • $35,059Total equity capital
  • $35,059Total bank equity capital
  • $0Perpetual preferred stock
  • $1,497Common stock
  • $1,496Surplus
  • $32,066Undivided 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
  • $1,608Long-term assets (5+ years)
  • $303,077Average Assets, year-to-date
  • $121,282Average Assets, quarterly
  • $314,073Volatile liabilities
  • $323,236Insider loans
  • $157,825FHLB advances
  • $320,485Loans and leases held for sale
  • $5,090Unused loan commitments
  • $5,090Tier 1 (core) risk-based capital
  • $32,054Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,001Restructured Loans and leases
  • $3,216Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,390Total interest income
  • $1,968Total interest expense
  • $9,422Net interest income
  • $550Provision for loan and lease losses
  • $1,981Total noninterest income
  • $242Fiduciary activities
  • $933Service charges on deposit accounts
  • $0Trading account gains & fees
  • $806Additional noninterest income
  • $6,892Total noninterest expense
  • $3,805Salaries and employee benefits
  • $1,107Premises and equipment expense
  • $1,980Additional noninterest expense
  • $3,961Pre-tax net operating income
  • $228Securities gains (losses)
  • $0Applicable income taxes
  • $4,189Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,189Net income attributable to bank
  • $0Net charge-offs
  • $4,189Cash dividends
  • $174Sale, conversion, retirement of capital stock, net
  • $1,510Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.85%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 12.58%Return on equity (ROE)
  • 8.05%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 316.09%Credit loss provision to net charge-offs
  • 25.93%Efficiency ratio
  • 60,440Assets per employee
  • 4.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.05%Loss allowance to loans
  • 2.20%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
  • 37.26%Net loans and leases to core deposits
  • 39.44%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 10.00%Tier 1 risk-based capital ratio
  • 20.31%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $314,073Average earning assets
  • $33,294Average equity
  • $295,708Average 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
  • $64,920Managed Assets
  • 1Number of Accounts
  • $43,379Personal trust and agency accounts
  • $40,759Employee benefit-defined contribution accounts
  • $639Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $414Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $1,567Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 121Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $21,541Other retirement accounts
  • $7,650Corporate trust and agency accounts
  • $4,244Other fiduciary accounts
  • $9,647Fiduciary accounts held in foreign offices

List of branches

  • 8 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02001Citizens National Bank118 South Houston Street, Cameron, TX 76520July 01, 1900Full Service Brick and Mortar
    1196092Drive-In Facility500 North Travis, Cameron, TX 76520Febuary 01, 1979Limited Service Facility
    216093Rockdale Branch140 East Cameron, Rockdale, TX 76567December 03, 1979Full Service Brick and Mortar
    5422460Taylor Branch316 North Main, Taylor, TX 76574August 01, 2002Full Service Brick and Mortar
    6422461Giddings Branch104 West Austin, Giddings, TX 78942August 01, 2002Full Service Brick and Mortar
    7422462Giddings Drive Thru Branch237 South Main, Giddings, TX 78942August 01, 2002Limited Service Facility
    8426782Rockdale Branch1401 West Cameron Street, Rockdale, TX 76567August 02, 2002Full Service Brick and Mortar
    9463992Pflugerville Branch601 Fm 685, Pflugerville, TX 78660March 19, 2007Full Service Brick and Mortar

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