Citizens State Bank in Anton, Texas (TX)

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Citizens State Bank
GeneralFDIC Certificate #: 16581
Status: Active
Federal Reserve ID: 489155
Bank Holding Company (Regulatory Top Holder): Anton Bancshares, Inc. (RSSDID: 1109209, Location: Anton, TX)
Date Established: June 07, 1947
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 10726
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: June 07, 1947
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: 224 North Main Street, Anton, TX 79313
County: Hockley
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Lubbock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Lubbock-Levelland, TX (#352)
Core Based Statistical Area (CBSA): Levelland, TX (#30220)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $36.0 mil
Equity capital: $2.4 mil
Deposits held in domestic offices: $33.4 mil
Return on assets (ROA): 0.22% ($0.1 mil)
Quarterly return on assets: -0.06% (-$0.0 mil)
Return on Equity (ROE): 3.04% ($0.1 mil)
Quarterly return on equity: -0.82% (-$0.0 mil)
Net income: $0.1 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.16% ($57.6 mil)
Quarterly Pretax return on assets: -0.06% (-$21.6 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)
Total employees (full-time equivalent)8
Total assets$35,998
Cash and due from depository institutions$3,490
Interest-bearing balances$2,000
Federal funds sold & reverse repurchase agreements$12,800
Net loans & leases$10,993
Loan loss allowance $176
Trading account assets$0
Bank premises and fixed assets$167
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$375
Life insurance assets$35,998
Total liabilities and capital$33,552
Total liabilities$33,360
Total deposits$27,098
Interest-bearing deposits$33,360
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $192
All other liabilities $2,446
Total equity capital$2,446
Total bank equity capital$2,446
Perpetual preferred stock$0
Common stock$168
Undivided profits $446
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $271
Average Assets, year-to-date $33,966
Average Assets, quarterly $2,740
Volatile liabilities $33,960
Insider loans $34,585
FHLB advances $16,944
Loans and leases held for sale $34,316
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,446
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,551
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,163
Total interest expense $360
Net interest income $803
Provision for loan and lease losses $0
Total noninterest income $138
Fiduciary activities $0
Service charges on deposit accounts $94
Trading account gains & fees $0
Additional noninterest income $44
Total noninterest expense $886
Salaries and employee benefits $385
Premises and equipment expense $159
Additional noninterest expense $342
Pre-tax net operating income $55
Securities gains (losses) $0
Applicable income taxes -$19
Income before extraordinary items $74
Extraordinary gains - net $0
Net income attributable to bank $74
Net charge-offs $0
Cash dividends $74
Sale, conversion, retirement of capital stock, net -$57
Net operating income $65
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.61%
Cost of funding earning assets 1.12%
Net interest margin 2.49%
Noninterest income to earning assets 0.43%
Noninterest expense to earning assets 2.75%
Net operating income to assets 0.22%
Return on assets (ROA) 0.22%
Pretax return on assets 0.16%
Return on equity (ROE) 3.04%
Retained earnings to average equity (YTD only) 0.37%
Net charge-offs to loans -0.41%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$94,155
Cash dividends to net income (YTD only)4.50%
Condition Ratios (%)
Loss allowance to loans 87.84%
Loss allowance to noncurrent loans 1.58%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 32.95%
Equity capital to assets 35.22%
Core capital (leverage) ratio 6.79%
Tier 1 risk-based capital ratio 7.13%
Total risk-based capital ratio 14.44%
Average assets$15
Average earning assets$33,960
Average equity $2,431
Average loans $32,194
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010726Citizens State Bank224 North Main Street, Anton, TX 79313June 07, 1947Full Service Brick and Mortar
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