Citizens National Bank at Brownwood in Brownwood, Texas (TX)

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Citizens National Bank at Brownwood routing number info

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Citizens National Bank at Brownwood
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)46
Total assets$182,286
Cash and due from depository institutions$16,149
Interest-bearing balances$10,692
Federal funds sold & reverse repurchase agreements$19,700
Net loans & leases$112,455
Loan loss allowance $1,770
Trading account assets$0
Bank premises and fixed assets$1,625
Other real estate owned$0
Goodwill and other intangibles$360
All other assets$5,779
Life insurance assets$182,286
Total liabilities and capital$159,659
Total liabilities$158,342
Total deposits$104,905
Interest-bearing deposits$158,342
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,317
All other liabilities $22,627
Total equity capital$22,627
Total bank equity capital$22,627
Perpetual preferred stock$0
Common stock$560
Undivided profits $20,591
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $473
Earning assets $81
Long-term assets (5+ years) $708
Average Assets, year-to-date $169,065
Average Assets, quarterly $61,889
Volatile liabilities $183,302
Insider loans $181,378
FHLB advances $128,276
Loans and leases held for sale $178,991
Unused loan commitments $3,217
Tier 1 (core) risk-based capital $2,936
Tier 2 risk-based capital $21,835
Total risk weighted assets $281
Total unused commitments $0
Restructured Loans and leases $16,294
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,769
Total interest expense $628
Net interest income $7,141
Provision for loan and lease losses $615
Total noninterest income $1,432
Fiduciary activities $0
Service charges on deposit accounts $903
Trading account gains & fees $0
Additional noninterest income $529
Total noninterest expense $4,390
Salaries and employee benefits $2,347
Premises and equipment expense $683
Additional noninterest expense $1,360
Pre-tax net operating income $3,568
Securities gains (losses) $1
Applicable income taxes $0
Income before extraordinary items $3,569
Extraordinary gains - net $0
Net income attributable to bank $3,569
Net charge-offs $0
Cash dividends $3,569
Sale, conversion, retirement of capital stock, net $798
Net operating income $2,513
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.59%
Cost of funding earning assets 0.37%
Net interest margin 4.22%
Noninterest income to earning assets 0.85%
Noninterest expense to earning assets 2.59%
Net operating income to assets 1.95%
Return on assets (ROA) 1.95%
Pretax return on assets 1.95%
Return on equity (ROE) 15.79%
Retained earnings to average equity (YTD only) 4.67%
Net charge-offs to loans 0.69%
Credit loss provision to net charge-offs 77.07%
Efficiency ratio5.24%
Assets per employee$51,207
Cash dividends to net income (YTD only)3.96%
Condition Ratios (%)
Loss allowance to loans 70.41%
Loss allowance to noncurrent loans 1.55%
Noncurrent assets plus other real estate owned to assets 374.21%
Noncurrent loans to loans 0.26%
Net loans and leases to deposits0.41%
Net loans and leases to core deposits 71.02%
Equity capital to assets 74.77%
Core capital (leverage) ratio 12.41%
Tier 1 risk-based capital ratio 12.20%
Total risk-based capital ratio 17.02%
Average assets$18
Average earning assets$183,302
Average equity $22,599
Average loans $169,357
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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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