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

  • Citizens State Bank in Princeton, Texas (TX)
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Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 9015
    Status: Active
    Federal Reserve ID: 643368
    Bank Holding Company (Regulatory Top Holder): Baylor Bancshares, Inc. (RSSDID: 1104307, Location: Seymour, TX)
    Date Established: January 01, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 5757
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    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: 112 West Highway 380, Princeton, TX 75407
    County: Collin
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $44.1 mil
    Equity capital: $9.7 mil
    Deposits held in domestic offices: $34.4 mil
    Return on assets (ROA): 0.39% ($0.2 mil)
    Quarterly return on assets: 0.12% ($0.1 mil)
    Return on Equity (ROE): 1.61% ($0.2 mil)
    Quarterly return on equity: 0.53% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.54% ($238.3 mil)
    Quarterly Pretax return on assets: 0.30% ($132.4 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
  • 10Total employees (full-time equivalent)
  • $44,132Total assets
  • $1,253Cash and due from depository institutions
  • $155Interest-bearing balances
  • $25,090Securities
  • $4,100Federal funds sold & reverse repurchase agreements
  • $8,208Net loans & leases
  • $242Loan loss allowance
  • $0Trading account assets
  • $363Bank premises and fixed assets
  • $430Other real estate owned
  • $4,325Goodwill and other intangibles
  • $44,131Life insurance assets
  • $363All other assets
  • $34,473Total liabilities and capital
  • $34,435Total liabilities
  • $26,901Total deposits
  • $34,435Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $38Subordinated debt
  • $9,658All other liabilities
  • $9,658Total equity capital
  • $9,658Total bank equity capital
  • $0Perpetual preferred stock
  • $797Common stock
  • $1,797Surplus
  • $7,064Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24Income earned, not collected on loans
  • $0Earning assets
  • $181Long-term assets (5+ years)
  • $37,553Average Assets, year-to-date
  • $27,939Average Assets, quarterly
  • $39,817Volatile liabilities
  • $42,273Insider loans
  • $13,938FHLB advances
  • $36,699Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,390Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,924Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,070Total interest income
  • $233Total interest expense
  • $837Net interest income
  • $0Provision for loan and lease losses
  • $271Total noninterest income
  • $0Fiduciary activities
  • $151Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $1,035Total noninterest expense
  • $520Salaries and employee benefits
  • $101Premises and equipment expense
  • $414Additional noninterest expense
  • $73Pre-tax net operating income
  • $142Securities gains (losses)
  • $60Applicable income taxes
  • $155Income before extraordinary items
  • $0Extraordinary gains - net
  • $155Net income attributable to bank
  • $0Net charge-offs
  • $155Cash dividends
  • $20Sale, conversion, retirement of capital stock, net
  • $155Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.23%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 2.52%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.39%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 1.61%Return on equity (ROE)
  • 0.00%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 3.65%Efficiency ratio
  • 93,412Assets per employee
  • 4.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.00%Loss allowance to loans
  • 2.86%Loss allowance to noncurrent loans
  • 1008.33%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 23.84%Net loans and leases to core deposits
  • 24.05%Equity capital to assets
  • 21.88%Core capital (leverage) ratio
  • 14.69%Tier 1 risk-based capital ratio
  • 38.67%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $39,817Average earning assets
  • $9,599Average equity
  • $33,171Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05757Citizens State Bank112 West Highway 380, Princeton, TX 75407January 01, 1907Full Service Brick and Mortar

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