The Citizens National Bank of Hillsboro in Hillsboro, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Citizens National Bank of Hillsboro - Overview

  • General
  • FDIC Certificate #: 3255
    Status: Active
    Federal Reserve ID: 184656
    Bank Holding Company (Regulatory Top Holder): Hillsboro Bancshares, Inc. (RSSDID: 3220274, Location: Hillsboro, TX)
    Date Established: January 01, 1893
    WWW: http://www.cnbhillsboro.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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2103
    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: Yes
    Asset Concentration Hierarchy: Mortgage 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 East Elm Street, Hillsboro, TX 76645
    County: Hill
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $189.8 mil
    Equity capital: $21.5 mil
    Deposits held in domestic offices: $126.7 mil
    Return on assets (ROA): 1.16% ($2.2 mil)
    Quarterly return on assets: 0.84% ($1.6 mil)
    Return on Equity (ROE): 9.99% ($2.1 mil)
    Quarterly return on equity: 7.32% ($1.5 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.16% ($2,201.4 mil)
    Quarterly Pretax return on assets: 0.84% ($1,594.1 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
  • 30Total employees (full-time equivalent)
  • $189,775Total assets
  • $4,734Cash and due from depository institutions
  • $1,500Interest-bearing balances
  • $147,586Securities
  • $7,655Federal funds sold & reverse repurchase agreements
  • $25,466Net loans & leases
  • $353Loan loss allowance
  • $0Trading account assets
  • $2,191Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $189,775Life insurance assets
  • $2,143All other assets
  • $168,306Total liabilities and capital
  • $126,660Total liabilities
  • $107,331Total deposits
  • $126,660Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 40537.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,109Subordinated debt
  • $21,469All other liabilities
  • $21,469Total equity capital
  • $21,469Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $200Surplus
  • $21,069Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $120Income earned, not collected on loans
  • $0Earning assets
  • $1,131Long-term assets (5+ years)
  • $182,207Average Assets, year-to-date
  • $152,045Average Assets, quarterly
  • $179,172Volatile liabilities
  • $189,248Insider loans
  • $68,549FHLB advances
  • $188,349Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,767Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,563Restructured Loans and leases
  • $2,213Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,803Total interest income
  • $1,883Total interest expense
  • $3,920Net interest income
  • $39Provision for loan and lease losses
  • $879Total noninterest income
  • $0Fiduciary activities
  • $325Service charges on deposit accounts
  • $0Trading account gains & fees
  • $554Additional noninterest income
  • $3,057Total noninterest expense
  • $1,665Salaries and employee benefits
  • $261Premises and equipment expense
  • $1,131Additional noninterest expense
  • $1,703Pre-tax net operating income
  • $377Securities gains (losses)
  • $1Applicable income taxes
  • $2,079Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,079Net income attributable to bank
  • $0Net charge-offs
  • $2,079Cash dividends
  • $67Sale, conversion, retirement of capital stock, net
  • $1,479Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.37%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 2.27%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 1.77%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 9.99%Return on equity (ROE)
  • 2.88%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 58.21%Credit loss provision to net charge-offs
  • 26.00%Efficiency ratio
  • 63,242Assets per employee
  • 6.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.14%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 294.17%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 20.11%Net loans and leases to core deposits
  • 21.34%Equity capital to assets
  • 11.31%Core capital (leverage) ratio
  • 9.96%Tier 1 risk-based capital ratio
  • 27.38%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $179,172Average earning assets
  • $20,808Average equity
  • $172,325Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02103The Citizens National Bank Of Hillsb200 East Elm Street, Hillsboro, TX 76645January 01, 1893Full Service Brick and Mortar
    1463985The Citizens Bank, National Association Branch1300 Coriscana Highway, Hillsboro, TX 76645May 17, 2007Full Service Brick and Mortar

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