Citizens State Bank in Tyler, Texas (TX)

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Citizens State Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)71
Total assets$266,021
Cash and due from depository institutions$6,469
Interest-bearing balances$3,906
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$154,006
Loan loss allowance $2,139
Trading account assets$0
Bank premises and fixed assets$8,098
Other real estate owned$1,021
Goodwill and other intangibles$0
All other assets$3,627
Life insurance assets$266,021
Total liabilities and capital$239,016
Total liabilities$210,464
Total deposits$162,919
Interest-bearing deposits$210,464
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$28,035
Other borrowed funds $0
Subordinated debt $517
All other liabilities $27,005
Total equity capital$27,005
Total bank equity capital$27,005
Perpetual preferred stock$0
Common stock$550
Undivided profits $16,005
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 $495
Earning assets $0
Long-term assets (5+ years) $1,173
Average Assets, year-to-date $250,712
Average Assets, quarterly $105,177
Volatile liabilities $260,089
Insider loans $262,216
FHLB advances $167,581
Loans and leases held for sale $269,649
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $26,612
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,026
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,729
Total interest expense $2,317
Net interest income $9,412
Provision for loan and lease losses $200
Total noninterest income $2,253
Fiduciary activities $0
Service charges on deposit accounts $1,069
Trading account gains & fees $0
Additional noninterest income $1,184
Total noninterest expense $7,531
Salaries and employee benefits $4,328
Premises and equipment expense $1,439
Additional noninterest expense $1,764
Pre-tax net operating income $3,934
Securities gains (losses) $9
Applicable income taxes $879
Income before extraordinary items $3,064
Extraordinary gains - net $0
Net income attributable to bank $3,064
Net charge-offs $0
Cash dividends $3,064
Sale, conversion, retirement of capital stock, net -$283
Net operating income $606
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.81%
Cost of funding earning assets 0.95%
Net interest margin 3.86%
Noninterest income to earning assets 0.92%
Noninterest expense to earning assets 3.09%
Net operating income to assets 1.18%
Return on assets (ROA) 1.18%
Pretax return on assets 1.52%
Return on equity (ROE) 12.42%
Retained earnings to average equity (YTD only) 9.97%
Net charge-offs to loans -0.18%
Credit loss provision to net charge-offs -70.67%
Efficiency ratio0.00%
Assets per employee$64,561
Cash dividends to net income (YTD only)3.75%
Condition Ratios (%)
Loss allowance to loans 19.78%
Loss allowance to noncurrent loans 1.37%
Noncurrent assets plus other real estate owned to assets 432.12%
Noncurrent loans to loans 0.57%
Net loans and leases to deposits0.32%
Net loans and leases to core deposits 73.17%
Equity capital to assets 76.52%
Core capital (leverage) ratio 10.15%
Tier 1 risk-based capital ratio 9.87%
Total risk-based capital ratio 15.88%
Average assets$17
Average earning assets$260,089
Average equity $24,661
Average loans $243,766
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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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