Vitals
  • Total Assets
    279.7M -7.9 %
  • Total Deposits
    253.2M -9.3 %
  • Total Net Loans
    160.0M 1.4 %
  • Net Income
    4.1M 23.1 %
  • Book Value
    25.7M 11.9 %
  • Book Value x2
    51.5M 11.9 %
  • Book Value x3
    77.2M 11.9 %
ROAA

1.437

ROAE

16.816

Efficiency Ratio

63.959

Net Interest Margin

4.088

Balance Sheet Highlights
Financial Highlights Citizens Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 279,733 270,488
Total Net Loans 160,016 140,296
Total Deposits 253,161 233,841
Total Equity 25,736 28,379
Profitability
Net Income 4,106 2,731
Return on Average Assets 1.437 1.008
Return on Average Equity 16.816 9.334
Net Interest Margin 4.088 3.849
Efficiency Ratio 63.959 70.289
Noninterest Income/Revenue 9.264 15.896
Balance Sheet Ratios
Loan-to-Deposit 63.207 57.321
Securities/Assets .309 .242
Total Equity/Total Assets .092 .105
Tangible Equity/Tangible Assets .092 .101
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 23,542 25,523
Tier 2 Capital 1,673 1,755
Total Capital 25,215 27,342
Total Risk Weighted Assets 175,473 156,339
Leverage Ratio 8.61 10.018
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 13.42 18.348
Total Capital Ratio 14.37 19.445

Timeline for Citizens Bank

Centennial Bank

Citizens Bank was acquired by Centennial Bank 11 years

View Profile Jan 19 2013

Commerce Bancshares, Inc.

Commerce Bancshares, Inc. became a new parent organization for Citizens Bank.

View Profile Dec 10 2012

The First National Bank Of Shamrock

Acquisition: Citizens Bank acquired a new subsidiary, The First National Bank Of Shamrock, 22 years

View Profile Mar 30 2002

Citizens Delaware Corporation

Citizens Delaware Corporation became a new parent organization for Citizens Bank.

View Profile Jul 15 1995

Lubco Bancshares, Inc.

Lubco Bancshares, Inc. became a new parent organization for Citizens Bank.

View Profile Dec 31 1976

Want to see more?

Complete timeline for Citizens Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Centennial Bank Buyer 697,908 Pooling of Interests Discontinued 1/19/2013
The First National Bank Of Shamrock Seller 21,528 Acquisition Discontinued 3/30/2002
Relationships Role Relationship Start Relationship End
Commerce Bancshares, Inc. Parent 12/10/2012 1/18/2013
Lubco Bancshares, Inc. Parent 10/18/2008 12/9/2012
Citizens Delaware Corporation Parent 7/15/1995 10/17/2008
Lubco Bancshares, Inc. Parent 12/31/1982 7/14/1995
Lubco Bancshares, Inc. Parent 12/31/1981 12/30/1982
Lubco Bancshares, Inc. Parent 12/31/1980 12/30/1981
Lubco Bancshares, Inc. Parent 12/31/1979 12/30/1980
Lubco Bancshares, Inc. Parent 12/31/1978 12/30/1979
Lubco Bancshares, Inc. Parent 12/31/1976 12/30/1978
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