Citizens National Bank of Breckenridge in Breckenridge, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 2010

  • Citizens National Bank of Breckenridge in Breckenridge, Texas (TX)
  • Show street view No street view available for this location

Citizens National Bank of Breckenridge - Overview

  • General
  • FDIC Certificate #: 18830
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: InterBank (#27210)
    Federal Reserve ID: 225250
    Date Established: July 19, 1963
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 12686
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: July 19, 1963
    Last Structure Change Effective Date: December 31, 2010
    Last Structure Change Process Date: January 04, 2011
    Last Data Update: January 04, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 West Walker Street, Breckenridge, TX 76424
    County: Stephens
    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
  • Financial Summary
  • Total assets: $93.3 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, 2009)

  • Dollar figures in thousands
  • 19Total employees (full-time equivalent)
  • $88,324Total assets
  • $8,587Cash and due from depository institutions
  • $7,572Interest-bearing balances
  • $280Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $74,156Net loans & leases
  • $813Loan loss allowance
  • $0Trading account assets
  • $1,763Bank premises and fixed assets
  • $1,532Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,006All other assets
  • $88,324Total liabilities and capital
  • $78,999Total liabilities
  • $78,755Total deposits
  • $67,974Interest-bearing deposits
  • $78,755Deposits held in domestic offices
  • 82.82%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $244All other liabilities
  • $9,325Total equity capital
  • $9,325Total bank equity capital
  • $9,325Perpetual preferred stock
  • $0Common stock
  • $317Surplus
  • $5,102Undivided profits
  • Memoranda
  • $3,906Noncurrent loans and leases
  • $34,939Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $405Earning assets
  • $0Long-term assets (5+ years)
  • $863Average Assets, year-to-date
  • $82,008Average Assets, quarterly
  • $6,876Volatile liabilities
  • $91,722Insider loans
  • $90,294FHLB advances
  • $15,097Loans and leases held for sale
  • $3,927Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $34,939Total unused commitments
  • $0Restructured Loans and leases
  • $813Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $4,620Total interest income
  • $851Total interest expense
  • $3,769Net interest income
  • $278Provision for loan and lease losses
  • $417Total noninterest income
  • $0Fiduciary activities
  • $281Service charges on deposit accounts
  • $0Trading account gains & fees
  • $136Additional noninterest income
  • $1,793Total noninterest expense
  • $755Salaries and employee benefits
  • $153Premises and equipment expense
  • $885Additional noninterest expense
  • $2,115Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,115Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,115Net income attributable to bank
  • $0Net charge-offs
  • $2,115Cash dividends
  • $387Sale, conversion, retirement of capital stock, net
  • $2,550Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.09%Noninterest expense to earning assets
  • 2.31%Net operating income to assets
  • 2.31%Return on assets (ROA)
  • 2.31%Pretax return on assets
  • 21.73%Return on equity (ROE)
  • -4.47%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 71.83%Credit loss provision to net charge-offs
  • 6.18%Efficiency ratio
  • 42,833Assets per employee
  • 4.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 120.57%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 200.74%Noncurrent assets plus other real estate owned to assets
  • 2.19%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 94.16%Net loans and leases to core deposits
  • 116.49%Equity capital to assets
  • 10.56%Core capital (leverage) ratio
  • 10.14%Tier 1 risk-based capital ratio
  • 11.68%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $91,722Average earning assets
  • $9,731Average equity
  • $85,980Average loans

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens National Bank of Breckenridge.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents