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

This bank is inactive as of April 01, 1995

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

The Citizens State Bank of Lometa - Overview

  • General
  • FDIC Certificate #: 16200
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First State Bank Central Texas (#11151)
    Federal Reserve ID: 947057
    Date Established: October 07, 1944
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 10401
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 07, 1944
    Last Structure Change Effective Date: April 01, 1995
    Last Structure Change Process Date: May 22, 1995
    Last Data Update: May 22, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 316-20 Main Street, Lometa, TX 76853
    County: Lampasas
    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
    Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
    CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
  • Financial Summary
  • Total assets: $14.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $13Total assets
  • $15,896Cash and due from depository institutions
  • $704Interest-bearing balances
  • $0Securities
  • $4,127Federal funds sold & reverse repurchase agreements
  • $400Net loans & leases
  • $9,180Loan loss allowance
  • $758Trading account assets
  • $0Bank premises and fixed assets
  • $637Other real estate owned
  • $615Goodwill and other intangibles
  • $233Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $15,896Total liabilities
  • $14,589Total deposits
  • $14,513Interest-bearing deposits
  • $11,723Deposits held in domestic offices
  • 14513.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $76Total equity capital
  • $76Total bank equity capital
  • $1,307Perpetual preferred stock
  • $0Common stock
  • $289Surplus
  • $1,211Undivided profits
  • Memoranda
  • $-193Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $441Income earned, not collected on loans
  • $198Earning assets
  • $13,707Long-term assets (5+ years)
  • $3,154Average Assets, year-to-date
  • $18,136Average Assets, quarterly
  • $16,081Volatile liabilities
  • $1,305Insider loans
  • $39FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $499Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,348Total risk weighted assets
  • $10,100Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,589Total interest expense
  • $427Net interest income
  • $1,162Provision for loan and lease losses
  • -$480Total noninterest income
  • $239Fiduciary activities
  • $0Service charges on deposit accounts
  • $99Trading account gains & fees
  • $0Additional noninterest income
  • $140Total noninterest expense
  • $1,438Salaries and employee benefits
  • $283Premises and equipment expense
  • $124Additional noninterest expense
  • $1,031Pre-tax net operating income
  • $443Securities gains (losses)
  • $1Applicable income taxes
  • $0Income before extraordinary items
  • $444Extraordinary gains - net
  • $0Net income attributable to bank
  • $444Net charge-offs
  • $180Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 10.41%Cost of funding earning assets
  • 2.80%Net interest margin
  • 7.62%Noninterest income to earning assets
  • 1.57%Noninterest expense to earning assets
  • 9.43%Net operating income to assets
  • 2.44%Return on assets (ROA)
  • 2.45%Pretax return on assets
  • 2.45%Return on equity (ROE)
  • 48.54%Retained earnings to average equity (YTD only)
  • 48.54%Net charge-offs to loans
  • 1.67%Credit loss provision to net charge-offs
  • -266.67%Efficiency ratio
  • 102,641Assets per employee
  • 1.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 7.63%Loss allowance to noncurrent loans
  • 171.88%Noncurrent assets plus other real estate owned to assets
  • 6.64%Noncurrent loans to loans
  • 4.44%Net loans and leases to deposits
  • 63.25%Net loans and leases to core deposits
  • 69.50%Equity capital to assets
  • 8.22%Core capital (leverage) ratio
  • 8.47%Tier 1 risk-based capital ratio
  • 13.35%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $18,136Average earning assets
  • $915Average equity
  • $15,257Average loans

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Citizens State Bank of Lometa.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents