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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