Vitals
  • Total Assets
    729.9M -3.3 %
  • Total Deposits
    480.2M 3.2 %
  • Total Net Loans
    274.1M -0.8 %
  • Net Income
    14.4M 3.7 %
  • Book Value
    143.1M -2.3 %
  • Book Value x2
    286.2M -2.3 %
  • Book Value x3
    429.2M -2.3 %
ROAA

2.008

ROAE

9.368

Efficiency Ratio

29.225

Net Interest Margin

3.66

Balance Sheet Highlights
Financial Highlights Citizens 1St Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 729,898 358,087
Total Net Loans 274,096 213,533
Total Deposits 480,212 308,027
Total Equity 143,076 38,740
Profitability
Net Income 14,446 3,845
Return on Average Assets 2.008 1.025
Return on Average Equity 9.368 9.415
Net Interest Margin 3.66 3.773
Efficiency Ratio 29.225 66.762
Noninterest Income/Revenue 4.943 16.375
Balance Sheet Ratios
Loan-to-Deposit 57.078 65.494
Securities/Assets .557 .214
Total Equity/Total Assets .196 .108
Tangible Equity/Tangible Assets .196 .104
Capital Adequacy
Tier 1 Common Capital 138,901 37,278
Tier 1 Capital 138,901 37,303
Tier 2 Capital 1,973 2,526
Total Capital 140,874 39,866
Total Risk Weighted Assets 303,734 237,367
Leverage Ratio 19.42 10.563
Common Equity Tier 1 Capital Ratio 45.73 18.073
Tier 1 Capital Ratio 45.73 18.097
Total Capital Ratio 46.38 19.169

Timeline for Citizens 1St Bank

First Southwest Federal Savings And Loan Association

Acquisition: Citizens 1St Bank acquired a new subsidiary, First Southwest Federal Savings And Loan Association, 32 years

View Profile Aug 24 1991

Timberland Federal Savings Association

Acquisition: Citizens 1St Bank acquired a new subsidiary, Timberland Federal Savings Association, 32 years

View Profile Aug 03 1991

First Federal Savings Association Of Nacogdoches

Acquisition: Citizens 1St Bank acquired a new subsidiary, First Federal Savings Association Of Nacogdoches, 32 years

View Profile Jun 01 1991

Rusk Federal Savings And Loan Association

Acquisition: Citizens 1St Bank acquired a new subsidiary, Rusk Federal Savings And Loan Association, 33 years

View Profile Jun 30 1990

Citizens 1St Bank

Citizens 1St Bank was established 104 years ago and is currently headquartered in Tyler, TX.

Apr 24 1920
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Southwest Federal Savings And Loan Association Seller 31,246 Failure 8/24/1991
Timberland Federal Savings Association Seller 20,512 Failure 8/3/1991
First Federal Savings Association Of Nacogdoches Seller 49,770 Failure 6/1/1991
Rusk Federal Savings And Loan Association Seller 27,426 Failure 6/30/1990
Relationships Role Relationship Start Relationship End
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