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)
  • Show street view No street view available for this location

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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens State Bank, Roby, Texas.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents