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

This bank is inactive as of July 31, 1995

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

  • General
  • FDIC Certificate #: 15691
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Financial Bank, National Association (#16653)
    Federal Reserve ID: 31161
    Date Established: October 16, 1939
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 9960
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 16, 1939
    Last Structure Change Effective Date: July 31, 1995
    Last Structure Change Process Date: August 21, 1995
    Last Data Update: August 21, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: North First And Concho, Roby, TX 79543
    County: Fisher
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $20.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $7Total assets
  • $20,568Cash and due from depository institutions
  • $1,127Interest-bearing balances
  • $691Securities
  • $13,506Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $5,436Loan loss allowance
  • $82Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $6Goodwill and other intangibles
  • $493Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $20,568Total liabilities
  • $18,680Total deposits
  • $17,703Interest-bearing deposits
  • $15,849Deposits held in domestic offices
  • 17703.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $900Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $77Total equity capital
  • $77Total bank equity capital
  • $1,888Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $750Undivided profits
  • Memoranda
  • $988Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $204Earning assets
  • $19,633Long-term assets (5+ years)
  • $4,877Average Assets, year-to-date
  • $20,780Average Assets, quarterly
  • $20,604Volatile liabilities
  • $4,632Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,070Total risk weighted assets
  • $8,051Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,490Total interest expense
  • $626Net interest income
  • $864Provision for loan and lease losses
  • $0Total noninterest income
  • $145Fiduciary activities
  • $0Service charges on deposit accounts
  • $117Trading account gains & fees
  • $0Additional noninterest income
  • $28Total noninterest expense
  • $678Salaries and employee benefits
  • $475Premises and equipment expense
  • $38Additional noninterest expense
  • $165Pre-tax net operating income
  • $331Securities gains (losses)
  • -$59Applicable income taxes
  • $27Income before extraordinary items
  • $245Extraordinary gains - net
  • $0Net income attributable to bank
  • $245Net charge-offs
  • $0Cash dividends
  • $20Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.49%Cost of funding earning assets
  • 3.15%Net interest margin
  • 4.34%Noninterest income to earning assets
  • 0.73%Noninterest expense to earning assets
  • 3.41%Net operating income to assets
  • 1.43%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 1.31%Return on equity (ROE)
  • 12.29%Retained earnings to average equity (YTD only)
  • 11.28%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,195Assets per employee
  • 2.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.16%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 30.71%Net loans and leases to core deposits
  • 38.91%Equity capital to assets
  • 9.18%Core capital (leverage) ratio
  • 10.10%Tier 1 risk-based capital ratio
  • 25.71%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $20,780Average earning assets
  • $1,994Average equity
  • $19,896Average loans

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