Vitals
  • Total Assets
    378.1M -1.4 %
  • Total Deposits
    312.5M -8.2 %
  • Total Net Loans
    194.8M -1.0 %
  • Net Income
    2.1M -16.9 %
  • Book Value
    42.6M 5.1 %
  • Book Value x2
    85.2M 5.1 %
  • Book Value x3
    127.9M 5.1 %
ROAA

.571

ROAE

5.105

Efficiency Ratio

69.988

Net Interest Margin

3.592

Balance Sheet Highlights
Financial Highlights Citizens Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 378,123 358,087
Total Net Loans 194,796 213,533
Total Deposits 312,480 308,027
Total Equity 42,623 38,740
Profitability
Net Income 2,141 3,845
Return on Average Assets .571 1.025
Return on Average Equity 5.105 9.415
Net Interest Margin 3.592 3.773
Efficiency Ratio 69.988 66.762
Noninterest Income/Revenue 12.912 16.375
Balance Sheet Ratios
Loan-to-Deposit 62.339 65.494
Securities/Assets .12 .214
Total Equity/Total Assets .113 .108
Tangible Equity/Tangible Assets .113 .104
Capital Adequacy
Tier 1 Common Capital 42,232 37,278
Tier 1 Capital 42,232 37,303
Tier 2 Capital 2,962 2,526
Total Capital 45,194 39,866
Total Risk Weighted Assets 235,564 237,367
Leverage Ratio 11.18 10.563
Common Equity Tier 1 Capital Ratio 17.93 18.073
Tier 1 Capital Ratio 17.93 18.097
Total Capital Ratio 19.19 19.169

Timeline for Citizens Bank

New First City, Texas - Kountze, National Association

Acquisition: Citizens Bank acquired a new subsidiary, New First City, Texas - Kountze, National Association, 31 years

View Profile Feb 28 1993

New First City, Texas - Sour Lake, National Association

Acquisition: Citizens Bank acquired a new subsidiary, New First City, Texas - Sour Lake, National Association, 31 years

View Profile Feb 28 1993

The First National Bank Of Yorktown

Acquisition: Citizens Bank acquired a new subsidiary, The First National Bank Of Yorktown, 31 years

View Profile Sep 11 1992

The First National Bank Of Levelland

Acquisition: Citizens Bank acquired a new subsidiary, The First National Bank Of Levelland, 33 years

View Profile Aug 31 1990

East Texas (Delaware) Holdings, Ltd.

East Texas (Delaware) Holdings, Ltd. became a new parent organization for Citizens Bank.

View Profile Mar 30 1990

Want to see more?

Complete timeline for Citizens Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
New First City, Texas - Kountze, National Association Seller 45,613 Discontinued 2/28/1993
New First City, Texas - Sour Lake, National Association Seller 48,287 Discontinued 2/28/1993
The First National Bank Of Yorktown Seller 34,439 Failure 9/11/1992
The First National Bank Of Levelland Seller 62,249 Failure 8/31/1990
First National Bank In Center Seller 26,056 Failure 12/16/1988
Relationships Role Relationship Start Relationship End
East Texas Financial Corporation Parent 1/1/2010
East Texas (Delaware) Holdings, Ltd. Parent 3/30/1990 12/31/2009
East Texas Financial Corporation Parent 1/2/1990 3/29/1990
Allied Bancshares, Inc. Parent 12/31/1982 10/1/1987
Allied Bancshares, Inc. Parent 3/18/1974 12/30/1982
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