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

Citizens State Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 53Total employees (full-time equivalent)
  • $129,122Total assets
  • $4,854Cash and due from depository institutions
  • $1,224Interest-bearing balances
  • $34,267Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,073Net loans & leases
  • $969Loan loss allowance
  • $0Trading account assets
  • $2,982Bank premises and fixed assets
  • $1,498Other real estate owned
  • $0Goodwill and other intangibles
  • $129,122Life insurance assets
  • $2,448All other assets
  • $117,870Total liabilities and capital
  • $110,528Total liabilities
  • $89,695Total deposits
  • $110,528Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 720.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $622Subordinated debt
  • $11,252All other liabilities
  • $11,252Total equity capital
  • $11,252Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $7,248Surplus
  • $1,004Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $34,172Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,037Income earned, not collected on loans
  • $0Earning assets
  • $470Long-term assets (5+ years)
  • $118,564Average Assets, year-to-date
  • $68,343Average Assets, quarterly
  • $121,408Volatile liabilities
  • $125,986Insider loans
  • $76,608FHLB advances
  • $122,120Loans and leases held for sale
  • $534Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,742Tier 2 risk-based capital
  • $534Total risk weighted assets
  • $0Total unused commitments
  • $3,794Restructured Loans and leases
  • $172Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,895Total interest income
  • $562Total interest expense
  • $5,333Net interest income
  • $235Provision for loan and lease losses
  • $1,218Total noninterest income
  • $0Fiduciary activities
  • $916Service charges on deposit accounts
  • $0Trading account gains & fees
  • $302Additional noninterest income
  • $5,774Total noninterest expense
  • $2,432Salaries and employee benefits
  • $951Premises and equipment expense
  • $2,391Additional noninterest expense
  • $542Pre-tax net operating income
  • $104Securities gains (losses)
  • -$128Applicable income taxes
  • $774Income before extraordinary items
  • $0Extraordinary gains - net
  • $774Net income attributable to bank
  • $0Net charge-offs
  • $774Cash dividends
  • $187Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 4.79%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 5.19%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 7.12%Return on equity (ROE)
  • 7.12%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 125.67%Credit loss provision to net charge-offs
  • 4.16%Efficiency ratio
  • 88,139Assets per employee
  • 2.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 93.44%Noncurrent assets plus other real estate owned to assets
  • 1.96%Noncurrent loans to loans
  • 1.23%Net loans and leases to deposits
  • 75.16%Net loans and leases to core deposits
  • 76.27%Equity capital to assets
  • 8.71%Core capital (leverage) ratio
  • 8.80%Tier 1 risk-based capital ratio
  • 14.02%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $121,408Average earning assets
  • $10,873Average equity
  • $111,272Average loans

Total Fiduciary and Related Assets (December 31, 2008)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,462Managed Assets
  • 1Number of Accounts
  • $454Personal trust and agency accounts
  • $454Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,008Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,008Fiduciary accounts held in foreign offices

List of branches

  • 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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