Citizens State Bank in Woodville, Texas (TX)

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Citizens State Bank
GeneralFDIC Certificate #: 12303
Status: Active
Federal Reserve ID: 625065
Bank Holding Company (Regulatory Top Holder): Ram Security Holdings Gp, Inc. (RSSDID: 3181405, Location: Waco, TX)
Date Established: May 08, 1920
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 7822
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 102 West Bluff Street, Woodville, TX 75979
County: Tyler
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $129.1 mil
Equity capital: $11.3 mil
Deposits held in domestic offices: $110.5 mil
Return on assets (ROA): 0.64% ($0.8 mil)
Quarterly return on assets: 0.95% ($1.2 mil)
Return on Equity (ROE): 7.12% ($0.8 mil)
Quarterly return on equity: 10.68% ($1.2 mil)
Net income: $0.8 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.53% ($684.3 mil)
Quarterly Pretax return on assets: 0.54% ($697.3 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)53
Total assets$129,122
Cash and due from depository institutions$4,854
Interest-bearing balances$1,224
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$83,073
Loan loss allowance $969
Trading account assets$0
Bank premises and fixed assets$2,982
Other real estate owned$1,498
Goodwill and other intangibles$0
All other assets$2,448
Life insurance assets$129,122
Total liabilities and capital$117,870
Total liabilities$110,528
Total deposits$89,695
Interest-bearing deposits$110,528
Deposits held in domestic offices$75
% insured (estimated)720.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,000
Other borrowed funds $0
Subordinated debt $622
All other liabilities $11,252
Total equity capital$11,252
Total bank equity capital$11,252
Perpetual preferred stock$0
Common stock$3,000
Undivided profits $1,004
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $34,172
Income earned, not collected on loans $1,037
Earning assets $0
Long-term assets (5+ years) $470
Average Assets, year-to-date $118,564
Average Assets, quarterly $68,343
Volatile liabilities $121,408
Insider loans $125,986
FHLB advances $76,608
Loans and leases held for sale $122,120
Unused loan commitments $534
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,742
Total risk weighted assets $534
Total unused commitments $0
Restructured Loans and leases $3,794
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,895
Total interest expense $562
Net interest income $5,333
Provision for loan and lease losses $235
Total noninterest income $1,218
Fiduciary activities $0
Service charges on deposit accounts $916
Trading account gains & fees $0
Additional noninterest income $302
Total noninterest expense $5,774
Salaries and employee benefits $2,432
Premises and equipment expense $951
Additional noninterest expense $2,391
Pre-tax net operating income $542
Securities gains (losses) $104
Applicable income taxes -$128
Income before extraordinary items $774
Extraordinary gains - net $0
Net income attributable to bank $774
Net charge-offs $0
Cash dividends $774
Sale, conversion, retirement of capital stock, net $187
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.30%
Cost of funding earning assets 0.51%
Net interest margin 4.79%
Noninterest income to earning assets 1.09%
Noninterest expense to earning assets 5.19%
Net operating income to assets 0.55%
Return on assets (ROA) 0.64%
Pretax return on assets 0.53%
Return on equity (ROE) 7.12%
Retained earnings to average equity (YTD only) 7.12%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 125.67%
Efficiency ratio4.16%
Assets per employee$88,139
Cash dividends to net income (YTD only)2.44%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.15%
Noncurrent assets plus other real estate owned to assets 93.44%
Noncurrent loans to loans 1.96%
Net loans and leases to deposits1.23%
Net loans and leases to core deposits 75.16%
Equity capital to assets 76.27%
Core capital (leverage) ratio 8.71%
Tier 1 risk-based capital ratio 8.80%
Total risk-based capital ratio 14.02%
Average assets$15
Average earning assets$121,408
Average equity $10,873
Average loans $111,272
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Total Fiduciary and Related Assets (December 31, 2008)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,462
Number of Accounts1
Personal trust and agency accounts$454
Employee benefit-defined contribution accounts$454
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts3
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,008
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$1,008
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5 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07822Citizens State Bank102 West Bluff Street, Woodville, TX 75979May 08, 1920Full Service Brick and Mortar
2226832Detached FacilityReid And West Bluff Streets, Woodville, TX 75979November 28, 1983Limited Service Facility
35376Marlin Branch101 Live Oak Street, Marlin, TX 76661September 01, 1909Full Service Brick and Mortar
4226833Spurger Branch103 Fm 92 South, Spurger, TX 77660August 13, 1997Full Service Brick and Mortar
5494890Warren Branch11755 U.S. Highway 69 South, Warren, TX 77664September 21, 2009Full Service Brick and Mortar
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