Vitals
  • Total Assets
    152.0M 3.3 %
  • Total Deposits
    134.3M 3.5 %
  • Total Net Loans
    112.1M 1.7 %
  • Net Income
    3.3M 32.0 %
  • Book Value
    14.9M 8.8 %
  • Book Value x2
    29.9M 8.8 %
  • Book Value x3
    44.8M 8.8 %
ROAA

2.226

ROAE

23.106

Efficiency Ratio

52.593

Net Interest Margin

4.498

Balance Sheet Highlights
Financial Highlights Citizens Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 151,979 358,087
Total Net Loans 112,145 213,533
Total Deposits 134,321 308,027
Total Equity 14,941 38,740
Profitability
Net Income 3,322 3,845
Return on Average Assets 2.226 1.025
Return on Average Equity 23.106 9.415
Net Interest Margin 4.498 3.773
Efficiency Ratio 52.593 66.762
Noninterest Income/Revenue 13.457 16.375
Balance Sheet Ratios
Loan-to-Deposit 83.49 65.494
Securities/Assets .056 .214
Total Equity/Total Assets .098 .108
Tangible Equity/Tangible Assets .098 .104
Capital Adequacy
Tier 1 Common Capital 14,908 37,278
Tier 1 Capital 14,908 37,303
Tier 2 Capital 342 2,526
Total Capital 15,250 39,866
Total Risk Weighted Assets 129,805 237,367
Leverage Ratio 9.69 10.563
Common Equity Tier 1 Capital Ratio 11.48 18.073
Tier 1 Capital Ratio 11.48 18.097
Total Capital Ratio 11.75 19.169

Timeline for Citizens Bank

Citizens Bank

Acquisition: Citizens Bank acquired a new subsidiary, Citizens Bank, 19 years

View Profile Aug 26 2004

First Caprock Bancshares, Inc.

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

View Profile Oct 26 1987

First Bancshares Of Texas, Inc.

First Bancshares Of Texas, Inc. became a new parent organization for Citizens Bank.

View Profile Apr 09 1982

Citizens Bank

Citizens Bank was established 120 years ago and is currently headquartered in Amarillo, TX.

Feb 04 1904
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens Bank Seller 54,484 Acquisition Discontinued 8/26/2004
Relationships Role Relationship Start Relationship End
First Caprock Bancshares, Inc. Parent 10/26/1987
First Bancshares Of Texas, Inc. Parent 4/9/1982 10/25/1987
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