Texas Citizens Bank, National Association in Pasadena, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Texas Citizens Bank, National Association in Pasadena, Texas (TX)
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Texas Citizens Bank, National Association - Overview

  • General
  • FDIC Certificate #: 58319
    Status: Active
    Federal Reserve ID: 3440830
    Date Established: May 03, 2006
    WWW: http://www.texascitizensbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 446091
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 03, 2006
    Last Structure Change Effective Date: August 18, 2008
    Last Structure Change Process Date: August 04, 2009
    Last Data Update: August 04, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 4949 Fairmont Parkway, Pasadena, TX 77505
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $296.2 mil
    Equity capital: $24.3 mil
    Deposits held in domestic offices: $260.5 mil
    Return on assets (ROA): -0.41% (-$1.2 mil)
    Quarterly return on assets: -0.30% (-$0.9 mil)
    Return on Equity (ROE): -4.81% (-$1.2 mil)
    Quarterly return on equity: -3.64% (-$0.9 mil)
    Net income: -$1.2 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.41% (-$1,214.3 mil)
    Quarterly Pretax return on assets: -0.30% (-$888.5 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
  • 78Total employees (full-time equivalent)
  • $296,163Total assets
  • $29,382Cash and due from depository institutions
  • $22,186Interest-bearing balances
  • $20,928Securities
  • $166Federal funds sold & reverse repurchase agreements
  • $230,725Net loans & leases
  • $3,441Loan loss allowance
  • $0Trading account assets
  • $6,593Bank premises and fixed assets
  • $710Other real estate owned
  • $86Goodwill and other intangibles
  • $296,163Life insurance assets
  • $7,573All other assets
  • $271,815Total liabilities and capital
  • $260,477Total liabilities
  • $198,519Total deposits
  • $260,477Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 6328.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,077Trading liabilities
  • $0Other borrowed funds
  • $933Subordinated debt
  • $24,348All other liabilities
  • $24,348Total equity capital
  • $24,348Total bank equity capital
  • $0Perpetual preferred stock
  • $14,470Common stock
  • $19,853Surplus
  • $-9,975Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,109Income earned, not collected on loans
  • $0Earning assets
  • $1,031Long-term assets (5+ years)
  • $274,005Average Assets, year-to-date
  • $27,437Average Assets, quarterly
  • $282,497Volatile liabilities
  • $291,477Insider loans
  • $249,439FHLB advances
  • $292,696Loans and leases held for sale
  • $4,792Unused loan commitments
  • $4,792Tier 1 (core) risk-based capital
  • $23,995Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $44,236Restructured Loans and leases
  • $634Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,570Total interest income
  • $3,068Total interest expense
  • $11,502Net interest income
  • $1,225Provision for loan and lease losses
  • $1,264Total noninterest income
  • $0Fiduciary activities
  • $444Service charges on deposit accounts
  • $0Trading account gains & fees
  • $820Additional noninterest income
  • $13,240Total noninterest expense
  • $6,678Salaries and employee benefits
  • $3,135Premises and equipment expense
  • $3,427Additional noninterest expense
  • -$1,699Pre-tax net operating income
  • $531Securities gains (losses)
  • $0Applicable income taxes
  • -$1,168Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,168Net income attributable to bank
  • $0Net charge-offs
  • -$1,168Cash dividends
  • $370Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.57%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 5.06%Noninterest expense to earning assets
  • -0.60%Net operating income to assets
  • -0.41%Return on assets (ROA)
  • -0.41%Pretax return on assets
  • -4.81%Return on equity (ROE)
  • -4.81%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 331.08%Credit loss provision to net charge-offs
  • -1.28%Efficiency ratio
  • 103,713Assets per employee
  • 3.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 310.28%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 88.58%Net loans and leases to core deposits
  • 99.55%Equity capital to assets
  • 8.22%Core capital (leverage) ratio
  • 8.20%Tier 1 risk-based capital ratio
  • 9.62%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $282,497Average earning assets
  • $24,278Average equity
  • $261,702Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0446091Texas Citizens Bank, National Association4949 Fairmont Parkway, Pasadena, TX 77505May 03, 2006Full Service Brick and Mortar
    1463987Clear Lake Branch14020 Hwy 3 Ste 100, Houston, TX 77058May 14, 2007Full Service Brick and Mortar
    2507786Baytown Branch507 West Baker Rd, Baytown, TX 77521April 08, 2010Full Service Brick and Mortar
    3508306Rosenberg Branch24701 Southwest Freeway, Suite 700, Rosenberg, TX 77469April 12, 2010Full Service Brick and Mortar
    4508668West University Branch3636 Rice Blvd, Houston, TX 77005May 03, 2010Full Service Brick and Mortar
    5517922Tcb-Nasa Branch1800 Nasa Parkway, Houston, TX 77056Febuary 03, 2011Full Service Brick and Mortar

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