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

  • Citizens National Bank in Henderson, Texas (TX)
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Citizens National Bank - Overview

  • General
  • FDIC Certificate #: 3250
    Status: Active
    Federal Reserve ID: 56351
    Bank Holding Company (Regulatory Top Holder): Henderson Citizens Bancshares, Inc. (RSSDID: 1917600, Location: Henderson, TX)
    Date Established: March 28, 1930
    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: 18 (Domestic: 18, Interstate: No)
    FDIC's unique #: 2098
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 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: 201 West Main Street, Henderson, TX 75653
    County: Rusk
    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
    Combined Statistical Area (CSA): Longview-Marshall, TX (#346)
    Core Based Statistical Area (CBSA): Longview, TX (#30980)
    CBSA Metro Statistical Area: Longview, TX (#30980)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $896.9 mil
    Equity capital: $102.3 mil
    Deposits held in domestic offices: $784.3 mil
    Return on assets (ROA): 1.15% ($10.3 mil)
    Quarterly return on assets: 1.16% ($10.4 mil)
    Return on Equity (ROE): 10.44% ($10.6 mil)
    Quarterly return on equity: 10.20% ($10.4 mil)
    Net income: $10.1 mil
    Quarterly Net income: $2.6 mil
    Pretax return on assets: 1.56% ($13,992.4 mil)
    Quarterly Pretax return on assets: 1.66% ($14,889.3 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
  • 290Total employees (full-time equivalent)
  • $896,948Total assets
  • $67,835Cash and due from depository institutions
  • $40,106Interest-bearing balances
  • $341,316Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $440,859Net loans & leases
  • $7,693Loan loss allowance
  • $0Trading account assets
  • $17,687Bank premises and fixed assets
  • $1,665Other real estate owned
  • $5,876Goodwill and other intangibles
  • $896,948Life insurance assets
  • $21,710All other assets
  • $794,642Total liabilities and capital
  • $784,252Total liabilities
  • $633,347Total deposits
  • $784,252Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,919Trading liabilities
  • $0Other borrowed funds
  • $8,471Subordinated debt
  • $102,306All other liabilities
  • $102,306Total equity capital
  • $102,306Total bank equity capital
  • $0Perpetual preferred stock
  • $5,400Common stock
  • $30,944Surplus
  • $65,962Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $859Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,029Income earned, not collected on loans
  • $0Earning assets
  • $4,138Long-term assets (5+ years)
  • $822,281Average Assets, year-to-date
  • $337,200Average Assets, quarterly
  • $880,249Volatile liabilities
  • $891,474Insider loans
  • $454,617FHLB advances
  • $885,640Loans and leases held for sale
  • $11,587Unused loan commitments
  • $11,587Tier 1 (core) risk-based capital
  • $88,401Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $49,415Restructured Loans and leases
  • $3,515Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $35,671Total interest income
  • $5,242Total interest expense
  • $30,429Net interest income
  • $5Provision for loan and lease losses
  • $12,912Total noninterest income
  • $2,098Fiduciary activities
  • $4,796Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,018Additional noninterest income
  • $29,645Total noninterest expense
  • $18,185Salaries and employee benefits
  • $3,443Premises and equipment expense
  • $8,017Additional noninterest expense
  • $13,691Pre-tax net operating income
  • $4Securities gains (losses)
  • $3,614Applicable income taxes
  • $10,081Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,081Net income attributable to bank
  • $0Net charge-offs
  • $10,081Cash dividends
  • $172Sale, conversion, retirement of capital stock, net
  • $5,042Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.75%Net interest margin
  • 1.59%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 10.44%Return on equity (ROE)
  • 5.22%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 2.91%Credit loss provision to net charge-offs
  • 79.63%Efficiency ratio
  • 68,399Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.01%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 747.62%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 56.21%Net loans and leases to core deposits
  • 60.06%Equity capital to assets
  • 11.41%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 19.45%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $880,249Average earning assets
  • $96,585Average equity
  • $810,619Average 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
  • $284,163Managed Assets
  • 1Number of Accounts
  • $283,979Personal trust and agency accounts
  • $155,183Employee benefit-defined contribution accounts
  • $2,827Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $10,977Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $77,129Other fiduciary accounts
  • $37,863Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 291Number of Accounts
  • $0Personal trust and agency accounts
  • $10,977Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $184Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $59Fiduciary accounts held in foreign offices

List of branches

  • 18 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02098Citizens National Bank201 West Main Street, Henderson, TX 75653March 28, 1930Full Service Brick and Mortar
    2285944307 South Commerce Branch307 South Commerce, Overton, TX 75684June 30, 1985Full Service Brick and Mortar
    38546Mount Enterprise BranchU.S. Highway 84, Mount Enterprise, TX 75681January 01, 1908Full Service Brick and Mortar
    4288831Jefferson Branch109 East Broadway, Jefferson, TX 75657December 29, 1988Full Service Brick and Mortar
    59922Malakoff Main Branch115 West Royall Boulevard, Malakoff, TX 75148January 01, 1939Full Service Brick and Mortar
    6265452Chandler BranchHighway 31 East At Main, Chandler, TX 75758January 01, 1926Full Service Brick and Mortar
    712496745 Spur 156 Branch601 Spur 156, Waskom, TX 75692December 04, 1954Full Service Brick and Mortar
    9357153Marshall Branch1708 East End Boulevard North, Marshall, TX 75670December 20, 1999Full Service Brick and Mortar
    10361061Athens Branch739 E Tyler St, Athens, TX 75751December 05, 2000Full Service Brick and Mortar
    1116417South 79 Branch2320 Highway 79 South, Henderson, TX 75652May 26, 1981Full Service Brick and Mortar
    12256326Lakeport BranchState Highway 322 And State Highway 149, Lakeport, TX 75601January 17, 1989Full Service Brick and Mortar
    13256327Tatum BranchHighway 149, Tatum, TX 75691October 23, 1989Full Service Brick and Mortar
    14365154Spring Hill Branch3600 Gilmer Road, Longview, TX 75604October 09, 2001Full Service Brick and Mortar
    15280407Corsicana Branch400 W. Collin St., Corsicana, TX 75110December 30, 1949Full Service Brick and Mortar
    16246655Corsicana Branch3590 West 7th Avenue, Corsicana, TX 75110August 18, 1997Full Service Brick and Mortar
    19441959Longview 4th St Branch3412 4th St., Longview, TX 75605December 20, 2004Full Service Brick and Mortar
    20449815Tyler Branch107 Market Square Boulevard, Tyler, TX 75703September 26, 2005Full Service Brick and Mortar
    21492718Tyler Grande Branch2217 W Grande Blvd, Tyler, TX 75703July 01, 2008Full Service Brick and Mortar

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