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

Citizens National Bank at Brownwood - Overview

  • General
  • FDIC Certificate #: 14779
    Status: Active
    Federal Reserve ID: 233358
    Bank Holding Company (Regulatory Top Holder): Brownwood Bancshares, Inc. (RSSDID: 1103373, Location: Brownwood, TX)
    Date Established: September 28, 1934
    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: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11971
    FDIC's unique #: 9244
    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: Commercial Lending Specialization
    Date of Deposit Insurance: September 28, 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: 1 Carnegie, Brownwood, TX 76801
    County: Brown
    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
    Core Based Statistical Area (CBSA): Brownwood, TX (#15220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $182.3 mil
    Equity capital: $22.6 mil
    Deposits held in domestic offices: $158.3 mil
    Return on assets (ROA): 1.95% ($3.5 mil)
    Quarterly return on assets: 1.20% ($2.2 mil)
    Return on Equity (ROE): 15.79% ($3.6 mil)
    Quarterly return on equity: 9.52% ($2.2 mil)
    Net income: $3.6 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.95% ($3,554.6 mil)
    Quarterly Pretax return on assets: 1.20% ($2,187.4 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
  • 46Total employees (full-time equivalent)
  • $182,286Total assets
  • $16,149Cash and due from depository institutions
  • $10,692Interest-bearing balances
  • $26,218Securities
  • $19,700Federal funds sold & reverse repurchase agreements
  • $112,455Net loans & leases
  • $1,770Loan loss allowance
  • $0Trading account assets
  • $1,625Bank premises and fixed assets
  • $0Other real estate owned
  • $360Goodwill and other intangibles
  • $182,286Life insurance assets
  • $5,779All other assets
  • $159,659Total liabilities and capital
  • $158,342Total liabilities
  • $104,905Total deposits
  • $158,342Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,317Subordinated debt
  • $22,627All other liabilities
  • $22,627Total equity capital
  • $22,627Total bank equity capital
  • $0Perpetual preferred stock
  • $560Common stock
  • $1,476Surplus
  • $20,591Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $473Income earned, not collected on loans
  • $81Earning assets
  • $708Long-term assets (5+ years)
  • $169,065Average Assets, year-to-date
  • $61,889Average Assets, quarterly
  • $183,302Volatile liabilities
  • $181,378Insider loans
  • $128,276FHLB advances
  • $178,991Loans and leases held for sale
  • $3,217Unused loan commitments
  • $2,936Tier 1 (core) risk-based capital
  • $21,835Tier 2 risk-based capital
  • $281Total risk weighted assets
  • $0Total unused commitments
  • $16,294Restructured Loans and leases
  • $3,184Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,769Total interest income
  • $628Total interest expense
  • $7,141Net interest income
  • $615Provision for loan and lease losses
  • $1,432Total noninterest income
  • $0Fiduciary activities
  • $903Service charges on deposit accounts
  • $0Trading account gains & fees
  • $529Additional noninterest income
  • $4,390Total noninterest expense
  • $2,347Salaries and employee benefits
  • $683Premises and equipment expense
  • $1,360Additional noninterest expense
  • $3,568Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $3,569Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,569Net income attributable to bank
  • $0Net charge-offs
  • $3,569Cash dividends
  • $798Sale, conversion, retirement of capital stock, net
  • $2,513Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • 1.95%Net operating income to assets
  • 1.95%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 15.79%Return on equity (ROE)
  • 4.67%Retained earnings to average equity (YTD only)
  • 0.69%Net charge-offs to loans
  • 77.07%Credit loss provision to net charge-offs
  • 5.24%Efficiency ratio
  • 51,207Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.41%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 374.21%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 71.02%Net loans and leases to core deposits
  • 74.77%Equity capital to assets
  • 12.41%Core capital (leverage) ratio
  • 12.20%Tier 1 risk-based capital ratio
  • 17.02%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $183,302Average earning assets
  • $22,599Average equity
  • $169,357Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09244Citizens National Bank At Brownwood1 Carnegie, Brownwood, TX 76801September 28, 1934Full Service Brick and Mortar
    1232093Brownwood Branch401 West Commerce, Brownwood, TX 76801Febuary 05, 1996Full Service Brick and Mortar

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