Citizens State Bank in Hempstead, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 19, 1997

  • Citizens State Bank in Hempstead, Texas (TX)
  • Show street view No street view available for this location

Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 11150
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State Bank (#10346)
    Federal Reserve ID: 52157
    Date Established: January 20, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 7116
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 19, 1997
    Last Structure Change Process Date: October 17, 1997
    Last Data Update: October 17, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 13th And Austin Streets, Hempstead, TX 77445
    County: Waller
    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: $46.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $26Total assets
  • $48,281Cash and due from depository institutions
  • $2,486Interest-bearing balances
  • $200Securities
  • $27,227Federal funds sold & reverse repurchase agreements
  • $700Net loans & leases
  • $16,956Loan loss allowance
  • $81Trading account assets
  • $0Bank premises and fixed assets
  • $424Other real estate owned
  • $0Goodwill and other intangibles
  • $488Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $48,281Total liabilities
  • $43,810Total deposits
  • $43,279Interest-bearing deposits
  • $36,619Deposits held in domestic offices
  • 43279.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $531Total equity capital
  • $531Total bank equity capital
  • $4,471Perpetual preferred stock
  • $0Common stock
  • $225Surplus
  • $1,175Undivided profits
  • Memoranda
  • $3,071Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $66Income earned, not collected on loans
  • $110Earning assets
  • $45,083Long-term assets (5+ years)
  • $15,114Average Assets, year-to-date
  • $47,605Average Assets, quarterly
  • $47,784Volatile liabilities
  • $4,523Insider loans
  • $570FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $191Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,523Total risk weighted assets
  • $22,285Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,357Total interest expense
  • $1,573Net interest income
  • $1,784Provision for loan and lease losses
  • -$120Total noninterest income
  • $538Fiduciary activities
  • $0Service charges on deposit accounts
  • $451Trading account gains & fees
  • $0Additional noninterest income
  • $87Total noninterest expense
  • $1,793Salaries and employee benefits
  • $1,124Premises and equipment expense
  • $187Additional noninterest expense
  • $482Pre-tax net operating income
  • $649Securities gains (losses)
  • $1Applicable income taxes
  • $144Income before extraordinary items
  • $506Extraordinary gains - net
  • $0Net income attributable to bank
  • $506Net charge-offs
  • $3Cash dividends
  • $405Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.52%Cost of funding earning assets
  • 3.53%Net interest margin
  • 4.00%Noninterest income to earning assets
  • 1.21%Noninterest expense to earning assets
  • 4.02%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 1.37%Return on equity (ROE)
  • 11.52%Retained earnings to average equity (YTD only)
  • 2.30%Net charge-offs to loans
  • 0.02%Credit loss provision to net charge-offs
  • -4000.00%Efficiency ratio
  • 77,218Assets per employee
  • 1.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.04%Loss allowance to loans
  • 0.48%Loss allowance to noncurrent loans
  • 122.73%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.39%Net loans and leases to deposits
  • 39.18%Net loans and leases to core deposits
  • 43.75%Equity capital to assets
  • 9.26%Core capital (leverage) ratio
  • 9.35%Tier 1 risk-based capital ratio
  • 20.30%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $47,605Average earning assets
  • $4,392Average equity
  • $44,623Average loans

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

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