Citizens National Bank, N.A. in Bossier City, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens National Bank, N.A. - Overview

  • General
  • FDIC Certificate #: 26381
    Status: Active
    Federal Reserve ID: 594853
    Bank Holding Company (Regulatory Top Holder): Citizens National Bancshares Of Bossier, Inc. (RSSDID: 2344856, Location: Bossier City, LA)
    Date Established: October 07, 1985
    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: 15 (Domestic: 15, Interstate: No)
    OTS Docket #: 10830
    FDIC's unique #: 32985
    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: Commercial Lending Specialization
    Date of Deposit Insurance: October 07, 1985
    Last Structure Change Effective Date: November 03, 2011
    Last Structure Change Process Date: December 05, 2011
    Last Data Update: December 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2711 East Texas Street, Bossier City, LA 71111
    County: Bossier
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Shreveport-Bossier City, LA (#7680)
    Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
    Core Based Statistical Area (CBSA): Shreveport-Bossier City, LA (#43340)
    CBSA Metro Statistical Area: Shreveport-Bossier City, LA (#43340)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $666.0 mil
    Equity capital: $65.7 mil
    Deposits held in domestic offices: $589.2 mil
    Return on assets (ROA): 0.95% ($6.3 mil)
    Quarterly return on assets: 0.69% ($4.6 mil)
    Return on Equity (ROE): 10.04% ($6.6 mil)
    Quarterly return on equity: 6.95% ($4.6 mil)
    Net income: $5.9 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.38% ($9,190.4 mil)
    Quarterly Pretax return on assets: 1.08% ($7,192.5 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
  • 168Total employees (full-time equivalent)
  • $665,974Total assets
  • $63,533Cash and due from depository institutions
  • $45,604Interest-bearing balances
  • $113,671Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $445,879Net loans & leases
  • $3,286Loan loss allowance
  • $0Trading account assets
  • $17,306Bank premises and fixed assets
  • $255Other real estate owned
  • $6,222Goodwill and other intangibles
  • $665,974Life insurance assets
  • $19,108All other assets
  • $600,253Total liabilities and capital
  • $589,183Total liabilities
  • $571,194Total deposits
  • $589,183Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,247Trading liabilities
  • $0Other borrowed funds
  • $9,823Subordinated debt
  • $65,721All other liabilities
  • $65,721Total equity capital
  • $65,721Total bank equity capital
  • $0Perpetual preferred stock
  • $2,426Common stock
  • $27,298Surplus
  • $35,997Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,320Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,598Income earned, not collected on loans
  • $0Earning assets
  • $2,422Long-term assets (5+ years)
  • $605,154Average Assets, year-to-date
  • $150,938Average Assets, quarterly
  • $623,061Volatile liabilities
  • $653,674Insider loans
  • $450,238FHLB advances
  • $580,235Loans and leases held for sale
  • $10,657Unused loan commitments
  • $8,705Tier 1 (core) risk-based capital
  • $57,346Tier 2 risk-based capital
  • $928Total risk weighted assets
  • $1,024Total unused commitments
  • $62,269Restructured Loans and leases
  • $9,819Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,915Total interest income
  • $3,083Total interest expense
  • $23,832Net interest income
  • $750Provision for loan and lease losses
  • $4,176Total noninterest income
  • $0Fiduciary activities
  • $2,249Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,927Additional noninterest income
  • $19,295Total noninterest expense
  • $11,118Salaries and employee benefits
  • $1,903Premises and equipment expense
  • $6,274Additional noninterest expense
  • $7,963Pre-tax net operating income
  • $631Securities gains (losses)
  • $2,700Applicable income taxes
  • $5,894Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,894Net income attributable to bank
  • $0Net charge-offs
  • $5,894Cash dividends
  • $253Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 4.20%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 10.04%Return on equity (ROE)
  • 10.04%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 296.44%Credit loss provision to net charge-offs
  • 34.44%Efficiency ratio
  • 68,891Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 126.48%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 75.68%Net loans and leases to core deposits
  • 82.08%Equity capital to assets
  • 9.87%Core capital (leverage) ratio
  • 9.88%Tier 1 risk-based capital ratio
  • 12.74%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $623,061Average earning assets
  • $58,706Average equity
  • $567,450Average loans

List of branches

  • 15 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032985Citizens National Bank, N.A.2711 East Texas Street, Bossier City, LA 71111October 07, 1985Full Service Brick and Mortar
    4259266Benton Road Branch2005 Benton Road, Bossier City, LA 71111June 30, 1997Full Service Brick and Mortar
    5259267Shreveport/Mansfield Road Branch9235 Mansfield Road, Shreveport, LA 71118April 26, 1999Full Service Brick and Mortar
    7364329East 70th Street Branch1545 East 70th Street, Shreveport, LA 71106October 16, 2001Full Service Brick and Mortar
    9452312Stockwell Road Branch700 Stockwell Road, Bossier City, LA 71111March 17, 2006Full Service Brick and Mortar
    10500170Downtown Shreveport Branch330 Marshall Street, Suite 120, Shreveport, LA 71101December 15, 2009Full Service Brick and Mortar
    11513408Cnb, Na - Downtown Mansfield Branch94 Polk Street, Mansfield, LA 71052September 27, 2010Full Service Brick and Mortar
    1211443Springhill Branch106 South Main Street, Springhill, LA 71075June 20, 1955Full Service Brick and Mortar
    13241746Pine Plaza Branch500 South Arkansas Street, Springhill, LA 71075July 01, 1974Full Service Brick and Mortar
    14241747Citizens Bank & Trust Co102 Forest St, Plain Dealing, LA 71064June 09, 1999Full Service Brick and Mortar
    15361294Minden Branch704 Main Street, Minden, LA 71058October 25, 2000Full Service Brick and Mortar
    16362704Homer Road Office Branch1176 Homer Road, Minden, LA 71055November 26, 2001Full Service Brick and Mortar
    17442224Haynesville Branch9865 Highway 79, Haynesville, LA 71038June 15, 2005Full Service Brick and Mortar
    18492992Haughton Branch410 Mckinley Ave., Haughton, LA 71037July 21, 2008Full Service Brick and Mortar
    19495970Homer Branch600 East Main Street, Homer, LA 71040October 13, 2009Full Service Brick and Mortar

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