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

  • Citizens National Bank of Crosbyton in Crosbyton, Texas (TX)
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Citizens National Bank of Crosbyton - Overview

  • General
  • FDIC Certificate #: 3158
    Status: Active
    Federal Reserve ID: 901451
    Bank Holding Company (Regulatory Top Holder): Citizens Bancshares, Inc. (RSSDID: 1102161, Location: Crosbyton, TX)
    Date Established: January 01, 1907
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2025
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 West Main Street, Crosbyton, TX 79322
    County: Crosby
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Lubbock-Levelland, TX (#352)
    Core Based Statistical Area (CBSA): Lubbock, TX (#31180)
    CBSA Metro Statistical Area: Lubbock, TX (#31180)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $46.3 mil
    Equity capital: $6.2 mil
    Deposits held in domestic offices: $40.0 mil
    Return on assets (ROA): 0.67% ($0.3 mil)
    Quarterly return on assets: 0.42% ($0.2 mil)
    Return on Equity (ROE): 4.80% ($0.3 mil)
    Quarterly return on equity: 3.16% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.67% ($310.4 mil)
    Quarterly Pretax return on assets: 0.42% ($194.6 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
  • 10Total employees (full-time equivalent)
  • $46,335Total assets
  • $27,063Cash and due from depository institutions
  • $23,625Interest-bearing balances
  • $2,531Securities
  • $3,300Federal funds sold & reverse repurchase agreements
  • $13,122Net loans & leases
  • $160Loan loss allowance
  • $0Trading account assets
  • $19Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $46,335Life insurance assets
  • $300All other assets
  • $40,131Total liabilities and capital
  • $40,005Total liabilities
  • $30,880Total deposits
  • $40,005Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $126Subordinated debt
  • $6,204All other liabilities
  • $6,204Total equity capital
  • $6,204Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $100Surplus
  • $6,004Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1Income earned, not collected on loans
  • $0Earning assets
  • $208Long-term assets (5+ years)
  • $42,578Average Assets, year-to-date
  • $297Average Assets, quarterly
  • $44,423Volatile liabilities
  • $46,176Insider loans
  • $19,008FHLB advances
  • $39,680Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,182Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,661Restructured Loans and leases
  • $71Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $987Total interest income
  • $215Total interest expense
  • $772Net interest income
  • $0Provision for loan and lease losses
  • $232Total noninterest income
  • $0Fiduciary activities
  • $216Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $708Total noninterest expense
  • $428Salaries and employee benefits
  • $31Premises and equipment expense
  • $249Additional noninterest expense
  • $296Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $296Income before extraordinary items
  • $0Extraordinary gains - net
  • $296Net income attributable to bank
  • $0Net charge-offs
  • $296Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $232Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.34%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 1.83%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 1.68%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 4.80%Return on equity (ROE)
  • 1.04%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 296.00%Efficiency ratio
  • 70,518Assets per employee
  • 4.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.38%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 16000.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 32.80%Net loans and leases to core deposits
  • 34.74%Equity capital to assets
  • 13.39%Core capital (leverage) ratio
  • 15.58%Tier 1 risk-based capital ratio
  • 32.52%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $44,423Average earning assets
  • $6,165Average equity
  • $42,186Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02025Citizens National Bank Of Crosbyton202 West Main Street, Crosbyton, TX 79322January 01, 1907Full Service Brick and Mortar

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