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

Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 16753
    Status: Active
    Federal Reserve ID: 261360
    Bank Holding Company (Regulatory Top Holder): C.S.b. Bancshares, Inc. (RSSDID: 2100089, Location: Somerville, TX)
    Date Established: June 01, 1925
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 10868
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: December 02, 1948
    Last Structure Change Effective Date: March 20, 2007
    Last Structure Change Process Date: March 20, 2007
    Last Data Update: March 20, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 155 Eighth Street, Somerville, TX 77879
    County: Burleson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780)
    CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $384.5 mil
    Equity capital: $31.8 mil
    Deposits held in domestic offices: $350.4 mil
    Return on assets (ROA): 0.97% ($3.7 mil)
    Quarterly return on assets: 1.28% ($4.9 mil)
    Return on Equity (ROE): 12.05% ($3.9 mil)
    Quarterly return on equity: 15.21% ($4.9 mil)
    Net income: $3.6 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.37% ($5,267.5 mil)
    Quarterly Pretax return on assets: 1.81% ($6,959.3 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
  • 99Total employees (full-time equivalent)
  • $384,491Total assets
  • $31,967Cash and due from depository institutions
  • $3,270Interest-bearing balances
  • $116,559Securities
  • $13,000Federal funds sold & reverse repurchase agreements
  • $202,104Net loans & leases
  • $2,887Loan loss allowance
  • $0Trading account assets
  • $11,439Bank premises and fixed assets
  • $602Other real estate owned
  • $0Goodwill and other intangibles
  • $384,491Life insurance assets
  • $8,820All other assets
  • $352,676Total liabilities and capital
  • $350,434Total liabilities
  • $326,338Total deposits
  • $350,434Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,242Subordinated debt
  • $31,815All other liabilities
  • $31,815Total equity capital
  • $31,815Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $6,000Surplus
  • $24,815Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,478Income earned, not collected on loans
  • $0Earning assets
  • $1,924Long-term assets (5+ years)
  • $334,933Average Assets, year-to-date
  • $51,997Average Assets, quarterly
  • $373,536Volatile liabilities
  • $375,312Insider loans
  • $235,366FHLB advances
  • $375,456Loans and leases held for sale
  • $5,287Unused loan commitments
  • $5,287Tier 1 (core) risk-based capital
  • $30,635Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,115Restructured Loans and leases
  • $3,293Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,690Total interest income
  • $2,937Total interest expense
  • $13,753Net interest income
  • $1,018Provision for loan and lease losses
  • $3,766Total noninterest income
  • $0Fiduciary activities
  • $2,903Service charges on deposit accounts
  • $0Trading account gains & fees
  • $863Additional noninterest income
  • $11,393Total noninterest expense
  • $6,119Salaries and employee benefits
  • $1,284Premises and equipment expense
  • $3,990Additional noninterest expense
  • $5,108Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,482Applicable income taxes
  • $3,626Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,626Net income attributable to bank
  • $0Net charge-offs
  • $3,626Cash dividends
  • $572Sale, conversion, retirement of capital stock, net
  • $499Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.12%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 12.05%Return on equity (ROE)
  • 10.39%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 177.97%Credit loss provision to net charge-offs
  • 10.71%Efficiency ratio
  • 65,032Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.76%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 116.51%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 57.67%Net loans and leases to core deposits
  • 59.96%Equity capital to assets
  • 8.27%Core capital (leverage) ratio
  • 8.16%Tier 1 risk-based capital ratio
  • 13.02%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $373,536Average earning assets
  • $30,087Average equity
  • $334,179Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010868Citizens State Bank155 Eighth Street, Somerville, TX 77879June 01, 1925Full Service Brick and Mortar
    111088Deanville Branch6498 Fm 111 Road, Deanville, TX 77852January 01, 1919Full Service Brick and Mortar
    217306Caldwell Branch201 East Buck Street, Caldwell, TX 77836Febuary 15, 1984Full Service Brick and Mortar
    5238705Brenham Branch2007 South Day, Brenham, TX 77833January 04, 1999Full Service Brick and Mortar
    6366324Snook Branch9850 Fm 60 East, Snook, TX 77878Febuary 24, 2003Full Service Brick and Mortar
    7468199Navasota Branch9109 Hwy 90 South, Navasota, TX 77868July 24, 2007Full Service Brick and Mortar

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