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


Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 17214
    Status: Active
    Federal Reserve ID: 523161
    Date Established: August 12, 1907
    WWW: http://www.csbsealy.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 12889
    FDIC's unique #: 11243
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: April 24, 1953
    Last Structure Change Effective Date: April 04, 2011
    Last Structure Change Process Date: April 05, 2011
    Last Data Update: April 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 222 Main Street, Sealy, TX 77474
    County: Austin
    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
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • Financial Summary
  • Total assets: $178.9 mil
    Equity capital: $21.2 mil
    Deposits held in domestic offices: $154.5 mil
    Return on assets (ROA): 1.41% ($2.5 mil)
    Quarterly return on assets: 1.43% ($2.6 mil)
    Return on Equity (ROE): 12.27% ($2.6 mil)
    Quarterly return on equity: 11.96% ($2.5 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.68% ($3,005.7 mil)
    Quarterly Pretax return on assets: 1.58% ($2,826.8 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
  • 37Total employees (full-time equivalent)
  • $178,910Total assets
  • $3,219Cash and due from depository institutions
  • $111Interest-bearing balances
  • $108,622Securities
  • $8,675Federal funds sold & reverse repurchase agreements
  • $53,586Net loans & leases
  • $690Loan loss allowance
  • $0Trading account assets
  • $666Bank premises and fixed assets
  • $1,516Other real estate owned
  • $0Goodwill and other intangibles
  • $178,910Life insurance assets
  • $2,626All other assets
  • $157,684Total liabilities and capital
  • $154,487Total liabilities
  • $113,519Total deposits
  • $154,487Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $294Trading liabilities
  • $0Other borrowed funds
  • $2,903Subordinated debt
  • $21,226All other liabilities
  • $21,226Total equity capital
  • $21,226Total bank equity capital
  • $0Perpetual preferred stock
  • $641Common stock
  • $5,359Surplus
  • $15,226Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23Income earned, not collected on loans
  • $0Earning assets
  • $1,102Long-term assets (5+ years)
  • $170,994Average Assets, year-to-date
  • $94,310Average Assets, quarterly
  • $175,419Volatile liabilities
  • $179,480Insider loans
  • $74,913FHLB advances
  • $179,786Loans and leases held for sale
  • $863Unused loan commitments
  • $863Tier 1 (core) risk-based capital
  • $19,062Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,797Restructured Loans and leases
  • $463Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,750Total interest income
  • $1,061Total interest expense
  • $5,689Net interest income
  • $2Provision for loan and lease losses
  • $986Total noninterest income
  • $0Fiduciary activities
  • $752Service charges on deposit accounts
  • $0Trading account gains & fees
  • $234Additional noninterest income
  • $4,429Total noninterest expense
  • $2,706Salaries and employee benefits
  • $378Premises and equipment expense
  • $1,345Additional noninterest expense
  • $2,244Pre-tax net operating income
  • $695Securities gains (losses)
  • $472Applicable income taxes
  • $2,467Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,467Net income attributable to bank
  • $0Net charge-offs
  • $2,467Cash dividends
  • -$7Sale, conversion, retirement of capital stock, net
  • $1,201Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.02%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 12.27%Return on equity (ROE)
  • 6.30%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -28.57%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,352Assets per employee
  • 4.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.68%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 3000.00%Noncurrent assets plus other real estate owned to assets
  • 0.86%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 34.69%Net loans and leases to core deposits
  • 35.73%Equity capital to assets
  • 11.86%Core capital (leverage) ratio
  • 10.60%Tier 1 risk-based capital ratio
  • 25.45%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $175,419Average earning assets
  • $20,105Average equity
  • $167,780Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011243Citizens State Bank222 Main Street, Sealy, TX 77474August 12, 1907Full Service Brick and Mortar

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