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


Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 22657
    Status: Active
    Federal Reserve ID: 804860
    Date Established: May 15, 1978
    WWW: http://www.csbroma.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 15811
    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: May 15, 1978
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1710 Grant Street, Roma, TX 78584
    County: Starr
    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
    Core Based Statistical Area (CBSA): Rio Grande City-Roma, TX (#40100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $78.4 mil
    Equity capital: $8.6 mil
    Deposits held in domestic offices: $63.5 mil
    Return on assets (ROA): 1.37% ($1.1 mil)
    Quarterly return on assets: 0.47% ($0.4 mil)
    Return on Equity (ROE): 11.81% ($1.1 mil)
    Quarterly return on equity: 4.02% ($0.4 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.68% ($1,316.3 mil)
    Quarterly Pretax return on assets: 0.47% ($368.2 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
  • 25Total employees (full-time equivalent)
  • $78,351Total assets
  • $2,007Cash and due from depository institutions
  • $326Interest-bearing balances
  • $41,970Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $30,943Net loans & leases
  • $448Loan loss allowance
  • $0Trading account assets
  • $2,311Bank premises and fixed assets
  • $97Other real estate owned
  • $0Goodwill and other intangibles
  • $78,351Life insurance assets
  • $1,023All other assets
  • $69,725Total liabilities and capital
  • $63,527Total liabilities
  • $56,930Total deposits
  • $63,527Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,492Trading liabilities
  • $0Other borrowed funds
  • $1,706Subordinated debt
  • $8,626All other liabilities
  • $8,626Total equity capital
  • $8,626Total bank equity capital
  • $0Perpetual preferred stock
  • $3,524Common stock
  • $1,865Surplus
  • $3,237Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $432Income earned, not collected on loans
  • $0Earning assets
  • $577Long-term assets (5+ years)
  • $73,239Average Assets, year-to-date
  • $44,664Average Assets, quarterly
  • $75,135Volatile liabilities
  • $77,644Insider loans
  • $33,730FHLB advances
  • $77,799Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,789Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,507Restructured Loans and leases
  • $773Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,097Total interest income
  • $659Total interest expense
  • $3,438Net interest income
  • $152Provision for loan and lease losses
  • $586Total noninterest income
  • $0Fiduciary activities
  • $516Service charges on deposit accounts
  • $0Trading account gains & fees
  • $70Additional noninterest income
  • $2,788Total noninterest expense
  • $1,243Salaries and employee benefits
  • $436Premises and equipment expense
  • $1,109Additional noninterest expense
  • $1,084Pre-tax net operating income
  • $181Securities gains (losses)
  • $237Applicable income taxes
  • $1,028Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,028Net income attributable to bank
  • $0Net charge-offs
  • $1,028Cash dividends
  • $50Sale, conversion, retirement of capital stock, net
  • $969Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.87%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 4.93%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 11.81%Return on equity (ROE)
  • 0.68%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 304.00%Credit loss provision to net charge-offs
  • 24.72%Efficiency ratio
  • 69,284Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.26%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 103.70%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 1.38%Net loans and leases to deposits
  • 48.71%Net loans and leases to core deposits
  • 53.83%Equity capital to assets
  • 11.01%Core capital (leverage) ratio
  • 10.01%Tier 1 risk-based capital ratio
  • 23.09%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $75,135Average earning assets
  • $8,702Average equity
  • $69,759Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015811Citizens State Bank1710 Grant Street, Roma, TX 78584May 15, 1978Full Service Brick and Mortar
    1493826Citizens State Bank Branch2546 Central Palm Dr Ste 101, Rio Grande City, TX 78582November 07, 2008Full Service Brick and Mortar

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