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

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

  • General
  • FDIC Certificate #: 5574
    Status: Active
    Federal Reserve ID: 552161
    Bank Holding Company (Regulatory Top Holder): First Citizens Bancshares, Inc. (RSSDID: 1105470, Location: Waxahachie, TX)
    Date Established: July 01, 1868
    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: 13 (Domestic: 13, Interstate: No)
    FDIC's unique #: 3794
    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: January 01, 1934
    Last Structure Change Effective Date: August 08, 2007
    Last Structure Change Process Date: October 16, 2007
    Last Data Update: October 16, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 North Elm Street, Waxahachie, TX 75165
    County: Ellis
    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
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • Financial Summary
  • Total assets: $565.0 mil
    Equity capital: $62.1 mil
    Deposits held in domestic offices: $483.4 mil
    Return on assets (ROA): 1.93% ($10.9 mil)
    Quarterly return on assets: 2.02% ($11.4 mil)
    Return on Equity (ROE): 17.87% ($11.1 mil)
    Quarterly return on equity: 18.56% ($11.5 mil)
    Net income: $10.4 mil
    Quarterly Net income: $2.8 mil
    Pretax return on assets: 1.93% ($10,904.1 mil)
    Quarterly Pretax return on assets: 2.02% ($11,412.6 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
  • 149Total employees (full-time equivalent)
  • $564,978Total assets
  • $86,138Cash and due from depository institutions
  • $74,051Interest-bearing balances
  • $16,811Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $428,038Net loans & leases
  • $6,842Loan loss allowance
  • $0Trading account assets
  • $12,183Bank premises and fixed assets
  • $3,785Other real estate owned
  • $4,916Goodwill and other intangibles
  • $564,978Life insurance assets
  • $13,107All other assets
  • $502,897Total liabilities and capital
  • $483,364Total liabilities
  • $358,538Total deposits
  • $483,364Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,039Trading liabilities
  • $0Other borrowed funds
  • $4,494Subordinated debt
  • $62,081All other liabilities
  • $62,081Total equity capital
  • $62,081Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $12,680Surplus
  • $48,401Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,088Income earned, not collected on loans
  • $844Earning assets
  • $1,957Long-term assets (5+ years)
  • $518,900Average Assets, year-to-date
  • $326,540Average Assets, quarterly
  • $537,201Volatile liabilities
  • $561,145Insider loans
  • $440,297FHLB advances
  • $559,670Loans and leases held for sale
  • $2,640Unused loan commitments
  • $2,640Tier 1 (core) risk-based capital
  • $58,206Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $45,898Restructured Loans and leases
  • $8,375Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,766Total interest income
  • $3,519Total interest expense
  • $24,247Net interest income
  • $1,754Provision for loan and lease losses
  • $9,303Total noninterest income
  • $0Fiduciary activities
  • $5,224Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,079Additional noninterest income
  • $21,499Total noninterest expense
  • $11,047Salaries and employee benefits
  • $3,153Premises and equipment expense
  • $7,299Additional noninterest expense
  • $10,297Pre-tax net operating income
  • $78Securities gains (losses)
  • $0Applicable income taxes
  • $10,375Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,375Net income attributable to bank
  • $0Net charge-offs
  • $10,375Cash dividends
  • $3,622Sale, conversion, retirement of capital stock, net
  • $2,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.68%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.96%Net interest margin
  • 1.90%Noninterest income to earning assets
  • 4.39%Noninterest expense to earning assets
  • 1.92%Net operating income to assets
  • 1.93%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 17.87%Return on equity (ROE)
  • 13.39%Retained earnings to average equity (YTD only)
  • 0.80%Net charge-offs to loans
  • 48.43%Credit loss provision to net charge-offs
  • 3.33%Efficiency ratio
  • 64,080Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.06%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 40.04%Noncurrent assets plus other real estate owned to assets
  • 3.69%Noncurrent loans to loans
  • 3.93%Net loans and leases to deposits
  • 88.55%Net loans and leases to core deposits
  • 90.27%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 10.40%Tier 1 risk-based capital ratio
  • 13.22%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $537,201Average earning assets
  • $58,049Average equity
  • $489,259Average loans

List of branches

  • 13 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03794Citizens National Bank Of Texas200 North Elm Street, Waxahachie, TX 75165July 01, 1868Full Service Brick and Mortar
    1207842Citizens National Bank - Uptown1001 North Hwy 77, Waxahachie, TX 75165December 01, 1986Full Service Brick and Mortar
    2207843Citizens National Bank - 2871021 East Hwy 287, Midlothian, TX 76065Febuary 05, 1996Full Service Brick and Mortar
    3207844Citizens National Bank102 Harris Ave, Red Oak, TX 75154October 01, 1997Full Service Brick and Mortar
    4246812Citizens National Bank - 9th St310 North Ninth St., Midlothian, TX 76065April 18, 1996Full Service Brick and Mortar
    6363381Citizens National Bank124 East Main St., Italy, TX 76651March 05, 2002Full Service Brick and Mortar
    7363743Citizens National Bank106 West Hwy 1382, Cedar Hill, TX 75104May 07, 2002Full Service Brick and Mortar
    8364017Citizens National Bank103 East Hwy 67, Venus, TX 76084June 19, 2002Full Service Brick and Mortar
    10429695Citizens National Bank - Brookshires1400 East Hwy 287, Midlothian, TX 76065June 18, 2003Full Service Retail
    11429696Citizens National Bank - Brookshires2235 South Washington, Kaufman, TX 75142September 22, 2003Full Service Retail
    13437075Citizens National Bank - Heb800 North Hwy 77, Waxahachie, TX 75165January 14, 2005Full Service Retail
    15446331Citizens National Bank699 Main Street, Maypearl, TX 76064November 12, 2005Full Service Brick and Mortar
    18477890Citizens National Bank Of Texas Bran500 East Ennis Avenue, Ennis, TX 75119Febuary 29, 2008Full Service Brick and Mortar

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