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

Citizens State Bank of Luling - Overview

  • General
  • FDIC Certificate #: 10327
    Status: Active
    Federal Reserve ID: 954653
    Bank Holding Company (Regulatory Top Holder): Spector Holdings Limited Partnership (RSSDID: 3037566, Location: San Antonio, TX)
    Date Established: January 02, 1914
    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 #: 6616
    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: Commercial Lending Specialization
    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: 200 South Magnolia Avenue, Luling, TX 78648
    County: Caldwell
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $57.9 mil
    Equity capital: $6.8 mil
    Deposits held in domestic offices: $50.9 mil
    Return on assets (ROA): 0.66% ($0.4 mil)
    Quarterly return on assets: 0.84% ($0.5 mil)
    Return on Equity (ROE): 5.63% ($0.4 mil)
    Quarterly return on equity: 7.14% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.96% ($555.5 mil)
    Quarterly Pretax return on assets: 1.09% ($630.7 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
  • 21Total employees (full-time equivalent)
  • $57,864Total assets
  • $6,111Cash and due from depository institutions
  • $2,969Interest-bearing balances
  • $5,846Securities
  • $4,975Federal funds sold & reverse repurchase agreements
  • $39,910Net loans & leases
  • $557Loan loss allowance
  • $0Trading account assets
  • $591Bank premises and fixed assets
  • $38Other real estate owned
  • $0Goodwill and other intangibles
  • $57,864Life insurance assets
  • $393All other assets
  • $51,036Total liabilities and capital
  • $50,902Total liabilities
  • $35,120Total deposits
  • $50,902Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $134Subordinated debt
  • $6,828All other liabilities
  • $6,828Total equity capital
  • $6,828Total bank equity capital
  • $0Perpetual preferred stock
  • $676Common stock
  • $2,724Surplus
  • $3,428Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $90Income earned, not collected on loans
  • $0Earning assets
  • $174Long-term assets (5+ years)
  • $53,700Average Assets, year-to-date
  • $19,507Average Assets, quarterly
  • $56,801Volatile liabilities
  • $57,746Insider loans
  • $41,511FHLB advances
  • $57,713Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,661Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,831Restructured Loans and leases
  • $1,492Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,690Total interest income
  • $259Total interest expense
  • $2,431Net interest income
  • $72Provision for loan and lease losses
  • $517Total noninterest income
  • $0Fiduciary activities
  • $410Service charges on deposit accounts
  • $0Trading account gains & fees
  • $107Additional noninterest income
  • $2,333Total noninterest expense
  • $1,319Salaries and employee benefits
  • $341Premises and equipment expense
  • $673Additional noninterest expense
  • $543Pre-tax net operating income
  • $0Securities gains (losses)
  • $167Applicable income taxes
  • $376Income before extraordinary items
  • $0Extraordinary gains - net
  • $376Net income attributable to bank
  • $0Net charge-offs
  • $376Cash dividends
  • $68Sale, conversion, retirement of capital stock, net
  • $138Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.98%Noninterest income to earning assets
  • 4.43%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 5.63%Return on equity (ROE)
  • 3.57%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 105.88%Credit loss provision to net charge-offs
  • 9.04%Efficiency ratio
  • 79,138Assets per employee
  • 2.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.70%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 618.89%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 78.41%Net loans and leases to core deposits
  • 81.43%Equity capital to assets
  • 11.80%Core capital (leverage) ratio
  • 11.54%Tier 1 risk-based capital ratio
  • 16.05%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $56,801Average earning assets
  • $6,673Average equity
  • $52,606Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06616Citizens State Bank Of Luling200 South Magnolia Avenue, Luling, TX 78648January 02, 1914Full Service Brick and Mortar
    215349Continental Branch1300 West Hildebrand Avenue, San Antonio, TX 78201September 02, 1975Full Service Brick and Mortar

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