Citizens State Bank of Luling in city_name, state_name - Detailed Financial Reports, Location

Citizens State Bank of Luling in Luling, Texas (TX)
Show street view No street view available for this location

Citizens State Bank of Luling routing number info

Other nearby banks
First-Lockhart National Bank
Sage Capital Bank, National Association
First Commercial Bank, National Association
First State Bank
Nixon State Bank
Marion State Bank

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
WWW: http://www.csbsa.com
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

No	ID	Name	Address	Established	Service Type	Map
0	6616	Citizens State Bank Of Luling	200 South Magnolia Avenue, Luling, TX 78648	January 02, 1914	Full Service Brick and Mortar
2	15349	Continental Branch	1300 West Hildebrand Avenue, San Antonio, TX 78201	September 02, 1975	Full Service Brick and Mortar

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

Citizens State Bank of Luling - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

Citizens State Bank of Luling - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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