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

Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 19806
    Status: Active
    Federal Reserve ID: 877154
    Bank Holding Company (Regulatory Top Holder): Kidd Partners, Ltd. (RSSDID: 2303947, Location: Tyler, TX)
    Date Established: November 13, 1967
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 13600
    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: Commercial Lending Specialization
    Date of Deposit Insurance: March 28, 1968
    Last Structure Change Effective Date: March 28, 2008
    Last Structure Change Process Date: March 28, 2008
    Last Data Update: March 28, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3915 Ssw Loop 323, Tyler, TX 75701
    County: Smith
    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): Tyler, TX (#8640)
    Combined Statistical Area (CSA): Tyler-Jacksonville, TX (#540)
    Core Based Statistical Area (CBSA): Tyler, TX (#46340)
    CBSA Metro Statistical Area: Tyler, TX (#46340)
  • Financial Summary
  • Total assets: $266.0 mil
    Equity capital: $27.0 mil
    Deposits held in domestic offices: $210.5 mil
    Return on assets (ROA): 1.18% ($3.1 mil)
    Quarterly return on assets: 0.75% ($2.0 mil)
    Return on Equity (ROE): 12.42% ($3.4 mil)
    Quarterly return on equity: 7.38% ($2.0 mil)
    Net income: $3.1 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.52% ($4,043.5 mil)
    Quarterly Pretax return on assets: 0.95% ($2,527.2 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
  • 71Total employees (full-time equivalent)
  • $266,021Total assets
  • $6,469Cash and due from depository institutions
  • $3,906Interest-bearing balances
  • $92,800Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $154,006Net loans & leases
  • $2,139Loan loss allowance
  • $0Trading account assets
  • $8,098Bank premises and fixed assets
  • $1,021Other real estate owned
  • $0Goodwill and other intangibles
  • $266,021Life insurance assets
  • $3,627All other assets
  • $239,016Total liabilities and capital
  • $210,464Total liabilities
  • $162,919Total deposits
  • $210,464Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $28,035Trading liabilities
  • $0Other borrowed funds
  • $517Subordinated debt
  • $27,005All other liabilities
  • $27,005Total equity capital
  • $27,005Total bank equity capital
  • $0Perpetual preferred stock
  • $550Common stock
  • $10,450Surplus
  • $16,005Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $495Income earned, not collected on loans
  • $0Earning assets
  • $1,173Long-term assets (5+ years)
  • $250,712Average Assets, year-to-date
  • $105,177Average Assets, quarterly
  • $260,089Volatile liabilities
  • $262,216Insider loans
  • $167,581FHLB advances
  • $269,649Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,612Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,026Restructured Loans and leases
  • $2,299Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,729Total interest income
  • $2,317Total interest expense
  • $9,412Net interest income
  • $200Provision for loan and lease losses
  • $2,253Total noninterest income
  • $0Fiduciary activities
  • $1,069Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,184Additional noninterest income
  • $7,531Total noninterest expense
  • $4,328Salaries and employee benefits
  • $1,439Premises and equipment expense
  • $1,764Additional noninterest expense
  • $3,934Pre-tax net operating income
  • $9Securities gains (losses)
  • $879Applicable income taxes
  • $3,064Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,064Net income attributable to bank
  • $0Net charge-offs
  • $3,064Cash dividends
  • -$283Sale, conversion, retirement of capital stock, net
  • $606Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 3.09%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 12.42%Return on equity (ROE)
  • 9.97%Retained earnings to average equity (YTD only)
  • -0.18%Net charge-offs to loans
  • -70.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,561Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.78%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 432.12%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 73.17%Net loans and leases to core deposits
  • 76.52%Equity capital to assets
  • 10.15%Core capital (leverage) ratio
  • 9.87%Tier 1 risk-based capital ratio
  • 15.88%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $260,089Average earning assets
  • $24,661Average equity
  • $243,766Average loans

List of branches

  • 7 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013600Citizens State Bank3915 Ssw Loop 323, Tyler, TX 75701November 13, 1967Full Service Brick and Mortar
    2249565Highway 64 West Branch11433 Highway 64 West, Tyler, TX 75707August 01, 1995Full Service Brick and Mortar
    3249566Brownsboro Branch14682 State Hwy 31 E, Brownsboro, TX 75756April 19, 1999Full Service Brick and Mortar
    4301133Mabank Branch1381 South Third Street, Mabank, TX 75147Febuary 14, 2000Full Service Brick and Mortar
    5359614Athens Branch713 E. Tyler, Athens, TX 75751April 02, 2001Full Service Brick and Mortar
    6444094Chandler Branch216 N. Broad Street, Chandler, TX 75758October 01, 2003Full Service Brick and Mortar
    7450846Seven Points Branch210 E. Cedar Creek Parkway, Seven Points, TX 75143March 13, 2006Full Service Brick and Mortar

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