City Bank in Lubbock, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

City Bank - Overview

  • General
  • FDIC Certificate #: 25103
    Status: Active
    Federal Reserve ID: 575254
    Bank Holding Company (Regulatory Top Holder): South Plains Financial, Inc. Employee Stock Ownership Plan (RSSDID: 3382332, Location: Lubbock, TX)
    Date Established: April 13, 1984
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 25 (Domestic: 25, Interstate: No)
    FDIC's unique #: 17373
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 13, 1984
    Last Structure Change Effective Date: October 28, 2010
    Last Structure Change Process Date: October 28, 2010
    Last Data Update: October 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 5219 City Bank Parkway, Lubbock, TX 79407
    County: Lubbock
    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
    Metropolitan Statistical Area (MSA): Lubbock, TX (#4600)
    Combined Statistical Area (CSA): Lubbock-Levelland, TX (#352)
    Core Based Statistical Area (CBSA): Lubbock, TX (#31180)
    CBSA Metro Statistical Area: Lubbock, TX (#31180)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $2,020.1 mil
    Equity capital: $183.1 mil
    Deposits held in domestic offices: $1,776.1 mil
    Return on assets (ROA): 0.01% ($0.2 mil)
    Quarterly return on assets: -0.59% (-$11.9 mil)
    Return on Equity (ROE): 0.08% ($0.1 mil)
    Quarterly return on equity: -6.38% (-$11.7 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$2.9 mil
    Pretax return on assets: 0.02% ($404.0 mil)
    Quarterly Pretax return on assets: -0.58% (-$11,716.8 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
  • 505Total employees (full-time equivalent)
  • $2,020,141Total assets
  • $347,695Cash and due from depository institutions
  • $263,109Interest-bearing balances
  • $179,776Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $1,368,424Net loans & leases
  • $27,706Loan loss allowance
  • $0Trading account assets
  • $27,588Bank premises and fixed assets
  • $37,814Other real estate owned
  • $0Goodwill and other intangibles
  • $2,020,141Life insurance assets
  • $56,844All other assets
  • $1,836,998Total liabilities and capital
  • $1,776,077Total liabilities
  • $1,506,545Total deposits
  • $1,776,077Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 52315.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $8,606Subordinated debt
  • $183,143All other liabilities
  • $183,143Total equity capital
  • $183,143Total bank equity capital
  • $0Perpetual preferred stock
  • $1,250Common stock
  • $146,294Surplus
  • $35,599Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $23,682Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $66,357Income earned, not collected on loans
  • $4,806Earning assets
  • $9,642Long-term assets (5+ years)
  • $1,813,309Average Assets, year-to-date
  • $487,025Average Assets, quarterly
  • $1,977,733Volatile liabilities
  • $2,010,032Insider loans
  • $1,410,771FHLB advances
  • $2,017,841Loans and leases held for sale
  • $27,419Unused loan commitments
  • $3,731Tier 1 (core) risk-based capital
  • $183,367Tier 2 risk-based capital
  • $23,688Total risk weighted assets
  • $0Total unused commitments
  • $197,578Restructured Loans and leases
  • $5,961Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $83,672Total interest income
  • $18,290Total interest expense
  • $65,382Net interest income
  • $21,803Provision for loan and lease losses
  • $27,003Total noninterest income
  • $886Fiduciary activities
  • $9,837Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16,280Additional noninterest income
  • $70,197Total noninterest expense
  • $33,487Salaries and employee benefits
  • $11,407Premises and equipment expense
  • $25,303Additional noninterest expense
  • $385Pre-tax net operating income
  • $0Securities gains (losses)
  • $246Applicable income taxes
  • $139Income before extraordinary items
  • $0Extraordinary gains - net
  • $139Net income attributable to bank
  • $0Net charge-offs
  • $139Cash dividends
  • $27,434Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.66%Net interest margin
  • 1.51%Noninterest income to earning assets
  • 3.93%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.02%Pretax return on assets
  • 0.08%Return on equity (ROE)
  • 0.08%Retained earnings to average equity (YTD only)
  • 1.91%Net charge-offs to loans
  • 79.47%Credit loss provision to net charge-offs
  • 0.81%Efficiency ratio
  • 75,983Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.98%Loss allowance to noncurrent loans
  • 41.75%Noncurrent assets plus other real estate owned to assets
  • 5.16%Noncurrent loans to loans
  • 4.75%Net loans and leases to deposits
  • 77.05%Net loans and leases to core deposits
  • 80.92%Equity capital to assets
  • 9.07%Core capital (leverage) ratio
  • 9.09%Tier 1 risk-based capital ratio
  • 13.00%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,977,733Average earning assets
  • $180,693Average equity
  • $1,787,978Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $119,633Managed Assets
  • 1Number of Accounts
  • $100,924Personal trust and agency accounts
  • $44,905Employee benefit-defined contribution accounts
  • $37,901Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $4,708Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $13,410Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 141Number of Accounts
  • $0Personal trust and agency accounts
  • $4,708Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $18,709Other retirement accounts
  • $29Corporate trust and agency accounts
  • $9,014Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 25 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017373City Bank5219 City Bank Parkway, Lubbock, TX 79407April 13, 1984Full Service Brick and Mortar
    1257854Lubbock Branch3251 50th Street, Lubbock, TX 79413May 19, 1990Full Service Brick and Mortar
    2257855Lubbock Branch6501 University Avenue, Lubbock, TX 79413July 10, 1995Full Service Retail
    3257856Springlake BranchHighway 70 And Highway 385, Springlake, TX 79082June 23, 1997Full Service Brick and Mortar
    4235612Whiteface BranchState Highway 114 And F.M. 1780, Whiteface, TX 79379August 29, 1988Full Service Brick and Mortar
    5235613Morton Branch107 West Taylor Street, Morton, TX 79346July 31, 1998Full Service Brick and Mortar
    6257857Lubbock Branch8201 Quaker Avenue, Lubbock, TX 79424May 19, 1999Full Service Brick and Mortar
    716634Levelland Branch204 Houston, Levelland, TX 79336April 19, 1982Full Service Brick and Mortar
    8256721College Avenue Branch511 College Avenue, Levelland, TX 79336June 29, 1994Full Service Retail
    14359732Dallas Branch9788 Walnut Street, Dallas, TX 75243December 01, 2000Full Service Brick and Mortar
    16365209University Branch8009 University Ave., Lubbock, TX 79423September 25, 2001Full Service Brick and Mortar
    17366138Mortgage Center5815 82nd Street, Suite 120, Lubbock, TX 79424January 31, 2003Full Service Brick and Mortar
    18430182El Paso Branch7901 N. Mesa, El Paso, TX 79932June 30, 2004Full Service Brick and Mortar
    19443021University Ave. Branch611 University, Lubbock, TX 79401July 05, 2005Full Service Brick and Mortar
    20445207Garland Branch3500 W. Walnut Street, Garland, TX 75042October 05, 2005Full Service Brick and Mortar
    21446848El Paso George Dieter Branch1418 George Dieter, El Paso, TX 79936December 19, 2005Full Service Brick and Mortar
    22451788Lubbock County Courier Service5219 City Bank Parkway, Lubbock, TX 79408January 05, 2005Limited Service Messenger
    23453030Plano Branch7800 Preston Road, Plano, TX 75024June 26, 2006Full Service Brick and Mortar
    244662214th Street Branch5506 4th Street, Lubbock, TX 79416May 01, 2007Full Service Brick and Mortar
    25467629Houston Branch10080 Bellaire Blvd., Suite 101, Houston, TX 77072June 11, 2007Full Service Brick and Mortar
    26469461Grand Prairie Branch2615 W. Pioneer Parkway Suite #101, Grand Prairie, TX 75051October 29, 2007Full Service Retail
    27469777Idalou Branch304 West 1st, Idalou, TX 79329December 10, 2007Full Service Brick and Mortar
    28473497City Bank Forney Highway 80 Branch771 E. Hwy 80, Forney, TX 75126March 11, 2008Full Service Retail
    29478969College Station Branch1409 University Drive East, College Station, TX 77840July 01, 2007Full Service Brick and Mortar
    30482375City Bank-82/Milwaukee Branch6524 82nd Street, Lubbock, TX 79424November 12, 2008Full Service Brick and Mortar

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