Citizens National Bank, N.A. in Bossier City, Louisiana (LA)



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Citizens National Bank, N.A. routing number info

Table of contents:
Citizens National Bank, N.A.
GeneralFDIC 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
WWW: http://www.citizensnb.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: 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)168
Total assets$665,974
Cash and due from depository institutions$63,533
Interest-bearing balances$45,604
Securities$113,671
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$445,879
Loan loss allowance $3,286
Trading account assets$0
Bank premises and fixed assets$17,306
Other real estate owned$255
Goodwill and other intangibles$6,222
All other assets$19,108
Life insurance assets$665,974
Total liabilities and capital$600,253
Total liabilities$589,183
Total deposits$571,194
Interest-bearing deposits$589,183
Deposits held in domestic offices$70
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,247
Other borrowed funds $0
Subordinated debt $9,823
All other liabilities $65,721
Total equity capital$65,721
Total bank equity capital$65,721
Perpetual preferred stock$0
Common stock$2,426
Surplus$27,298
Undivided profits $35,997
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,320
Income earned, not collected on loans $2,598
Earning assets $0
Long-term assets (5+ years) $2,422
Average Assets, year-to-date $605,154
Average Assets, quarterly $150,938
Volatile liabilities $623,061
Insider loans $653,674
FHLB advances $450,238
Loans and leases held for sale $580,235
Unused loan commitments $10,657
Tier 1 (core) risk-based capital $8,705
Tier 2 risk-based capital $57,346
Total risk weighted assets $928
Total unused commitments $1,024
Restructured Loans and leases $62,269
Derivatives$9,819
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $26,915
Total interest expense $3,083
Net interest income $23,832
Provision for loan and lease losses $750
Total noninterest income $4,176
Fiduciary activities $0
Service charges on deposit accounts $2,249
Trading account gains & fees $0
Additional noninterest income $1,927
Total noninterest expense $19,295
Salaries and employee benefits $11,118
Premises and equipment expense $1,903
Additional noninterest expense $6,274
Pre-tax net operating income $7,963
Securities gains (losses) $631
Applicable income taxes $2,700
Income before extraordinary items $5,894
Extraordinary gains - net $0
Net income attributable to bank $5,894
Net charge-offs $0
Cash dividends $5,894
Sale, conversion, retirement of capital stock, net $253
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.74%
Cost of funding earning assets 0.54%
Net interest margin 4.20%
Noninterest income to earning assets 0.74%
Noninterest expense to earning assets 3.40%
Net operating income to assets 0.88%
Return on assets (ROA) 0.95%
Pretax return on assets 1.38%
Return on equity (ROE) 10.04%
Retained earnings to average equity (YTD only) 10.04%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 296.44%
Efficiency ratio34.44%
Assets per employee$68,891
Cash dividends to net income (YTD only)3.96%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.73%
Noncurrent assets plus other real estate owned to assets 126.48%
Noncurrent loans to loans 0.43%
Net loans and leases to deposits0.58%
Net loans and leases to core deposits 75.68%
Equity capital to assets 82.08%
Core capital (leverage) ratio 9.87%
Tier 1 risk-based capital ratio 9.88%
Total risk-based capital ratio 12.74%
Memoranda
Average assets$13
Average earning assets$623,061
Average equity $58,706
Average loans $567,450
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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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