Citizens National Bank in Henderson, Texas (TX)

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Citizens National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)290
Total assets$896,948
Cash and due from depository institutions$67,835
Interest-bearing balances$40,106
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$440,859
Loan loss allowance $7,693
Trading account assets$0
Bank premises and fixed assets$17,687
Other real estate owned$1,665
Goodwill and other intangibles$5,876
All other assets$21,710
Life insurance assets$896,948
Total liabilities and capital$794,642
Total liabilities$784,252
Total deposits$633,347
Interest-bearing deposits$784,252
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,919
Other borrowed funds $0
Subordinated debt $8,471
All other liabilities $102,306
Total equity capital$102,306
Total bank equity capital$102,306
Perpetual preferred stock$0
Common stock$5,400
Undivided profits $65,962
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $859
Income earned, not collected on loans $1,029
Earning assets $0
Long-term assets (5+ years) $4,138
Average Assets, year-to-date $822,281
Average Assets, quarterly $337,200
Volatile liabilities $880,249
Insider loans $891,474
FHLB advances $454,617
Loans and leases held for sale $885,640
Unused loan commitments $11,587
Tier 1 (core) risk-based capital $11,587
Tier 2 risk-based capital $88,401
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $49,415
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $35,671
Total interest expense $5,242
Net interest income $30,429
Provision for loan and lease losses $5
Total noninterest income $12,912
Fiduciary activities $2,098
Service charges on deposit accounts $4,796
Trading account gains & fees $0
Additional noninterest income $6,018
Total noninterest expense $29,645
Salaries and employee benefits $18,185
Premises and equipment expense $3,443
Additional noninterest expense $8,017
Pre-tax net operating income $13,691
Securities gains (losses) $4
Applicable income taxes $3,614
Income before extraordinary items $10,081
Extraordinary gains - net $0
Net income attributable to bank $10,081
Net charge-offs $0
Cash dividends $10,081
Sale, conversion, retirement of capital stock, net $172
Net operating income $5,042
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.40%
Cost of funding earning assets 0.65%
Net interest margin 3.75%
Noninterest income to earning assets 1.59%
Noninterest expense to earning assets 3.66%
Net operating income to assets 1.14%
Return on assets (ROA) 1.15%
Pretax return on assets 1.56%
Return on equity (ROE) 10.44%
Retained earnings to average equity (YTD only) 5.22%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 2.91%
Efficiency ratio79.63%
Assets per employee$68,399
Cash dividends to net income (YTD only)3.09%
Condition Ratios (%)
Loss allowance to loans 50.01%
Loss allowance to noncurrent loans 1.72%
Noncurrent assets plus other real estate owned to assets 747.62%
Noncurrent loans to loans 0.30%
Net loans and leases to deposits0.23%
Net loans and leases to core deposits 56.21%
Equity capital to assets 60.06%
Core capital (leverage) ratio 11.41%
Tier 1 risk-based capital ratio 9.98%
Total risk-based capital ratio 19.45%
Average assets$21
Average earning assets$880,249
Average equity $96,585
Average loans $810,619
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$284,163
Number of Accounts1
Personal trust and agency accounts$283,979
Employee benefit-defined contribution accounts$155,183
Employee benefit-defined benefit accounts$2,827
Other retirement accounts$0
Corporate trust and agency accounts$10,977
Investment management agency accounts$0
Other fiduciary accounts$77,129
Fiduciary accounts held in foreign offices$37,863
Non-managed Assets$0
Number of Accounts291
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$10,977
Employee benefit-defined benefit accounts$0
Other retirement accounts$184
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$59
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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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