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

This bank is inactive as of March 29, 1996

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

Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 1718
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Benchmark Bank (#19215)
    Federal Reserve ID: 992169
    Date Established: August 03, 1933
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 1132
    Numeric code: 13
    Regulator: FED
    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: March 29, 1996
    Last Structure Change Process Date: May 08, 1996
    Last Data Update: May 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street And Arch, Royse City, TX 75089
    County: Rockwall
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • Financial Summary
  • Total assets: $16.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $10Total assets
  • $16,294Cash and due from depository institutions
  • $804Interest-bearing balances
  • $0Securities
  • $4,009Federal funds sold & reverse repurchase agreements
  • $2,145Net loans & leases
  • $9,141Loan loss allowance
  • $178Trading account assets
  • $0Bank premises and fixed assets
  • $24Other real estate owned
  • $0Goodwill and other intangibles
  • $171Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $16,294Total liabilities
  • $14,685Total deposits
  • $14,623Interest-bearing deposits
  • $10,638Deposits held in domestic offices
  • 14623.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $62Total equity capital
  • $62Total bank equity capital
  • $1,609Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $1,050Undivided profits
  • Memoranda
  • $359Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6Income earned, not collected on loans
  • $64Earning assets
  • $15,295Long-term assets (5+ years)
  • $661Average Assets, year-to-date
  • $15,952Average Assets, quarterly
  • $16,233Volatile liabilities
  • $100Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $428Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,609Total risk weighted assets
  • $9,271Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,286Total interest expense
  • $382Net interest income
  • $904Provision for loan and lease losses
  • $10Total noninterest income
  • $263Fiduciary activities
  • $0Service charges on deposit accounts
  • $159Trading account gains & fees
  • $0Additional noninterest income
  • $104Total noninterest expense
  • $674Salaries and employee benefits
  • $358Premises and equipment expense
  • $45Additional noninterest expense
  • $271Pre-tax net operating income
  • $483Securities gains (losses)
  • $0Applicable income taxes
  • $173Income before extraordinary items
  • $310Extraordinary gains - net
  • $0Net income attributable to bank
  • $310Net charge-offs
  • -$5Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.60%Cost of funding earning assets
  • 2.55%Net interest margin
  • 6.04%Noninterest income to earning assets
  • 1.76%Noninterest expense to earning assets
  • 4.51%Net operating income to assets
  • 1.94%Return on assets (ROA)
  • 1.94%Pretax return on assets
  • 3.03%Return on equity (ROE)
  • 21.55%Retained earnings to average equity (YTD only)
  • 21.55%Net charge-offs to loans
  • -0.06%Credit loss provision to net charge-offs
  • -200.00%Efficiency ratio
  • 57,755Assets per employee
  • 1.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 2966.67%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.06%Net loans and leases to deposits
  • 62.51%Net loans and leases to core deposits
  • 62.94%Equity capital to assets
  • 9.87%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 17.35%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $15,952Average earning assets
  • $1,439Average equity
  • $14,960Average loans

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