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

This bank is inactive as of May 18, 2001

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

  • General
  • FDIC Certificate #: 24760
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of Texas. National Association (#21674)
    Federal Reserve ID: 167257
    Date Established: October 03, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    OTS Docket #: 9300
    FDIC's unique #: 17184
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: October 03, 1983
    Last Structure Change Effective Date: May 18, 2001
    Last Structure Change Process Date: June 13, 2001
    Last Data Update: June 13, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 5320 Bellaire Boulevard, Bellaire, TX 77401
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • Financial Summary
  • Total assets: $499.1 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 125Total employees (full-time equivalent)
  • $442,559Total assets
  • $16,741Cash and due from depository institutions
  • $207Interest-bearing balances
  • $228,282Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $181,555Net loans & leases
  • $2,328Loan loss allowance
  • $0Trading account assets
  • $11,041Bank premises and fixed assets
  • $96Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,844All other assets
  • $442,559Total liabilities and capital
  • $406,883Total liabilities
  • $367,811Total deposits
  • $284,610Interest-bearing deposits
  • $367,811Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $37,300Other borrowed funds
  • $0Subordinated debt
  • $1,772All other liabilities
  • $35,676Total equity capital
  • $35,676Total bank equity capital
  • $35,676Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $26,764Undivided profits
  • Memoranda
  • $8,712Noncurrent loans and leases
  • $37,919Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $696Earning assets
  • $0Long-term assets (5+ years)
  • $1,172Average Assets, year-to-date
  • $410,044Average Assets, quarterly
  • $228,873Volatile liabilities
  • $426,303Insider loans
  • $437,416FHLB advances
  • $81,199Loans and leases held for sale
  • $1,782Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $37,919Total unused commitments
  • $120Restructured Loans and leases
  • $2,328Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $30,731Total interest income
  • $15,727Total interest expense
  • $15,004Net interest income
  • $1,548Provision for loan and lease losses
  • $3,233Total noninterest income
  • $0Fiduciary activities
  • $2,517Service charges on deposit accounts
  • $0Trading account gains & fees
  • $716Additional noninterest income
  • $10,996Total noninterest expense
  • $5,963Salaries and employee benefits
  • $1,541Premises and equipment expense
  • $3,492Additional noninterest expense
  • $5,693Pre-tax net operating income
  • -$19Securities gains (losses)
  • $1,044Applicable income taxes
  • $4,630Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,630Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $547Sale, conversion, retirement of capital stock, net
  • $2,655Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.79%Yield on earning assets
  • 3.99%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 1.09%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 14.22%Return on equity (ROE)
  • 6.07%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 283.00%Credit loss provision to net charge-offs
  • 13.24%Efficiency ratio
  • 60,295Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.34%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 334.48%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 49.36%Net loans and leases to core deposits
  • 57.47%Equity capital to assets
  • 8.06%Core capital (leverage) ratio
  • 8.17%Tier 1 risk-based capital ratio
  • 14.90%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $426,303Average earning assets
  • $32,555Average equity
  • $394,529Average loans

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