Vitals
  • Total Assets
    152.1M 18.3 %
  • Total Deposits
    137.4M 20.4 %
  • Total Net Loans
    80.9M 11.4 %
  • Net Income
    493000.0000 -69.1 %
  • Book Value
    14.2M 1.1 %
  • Book Value x2
    28.4M 1.1 %
  • Book Value x3
    42.6M 1.1 %
ROAA

.474

ROAE

4.48

Efficiency Ratio

83.113

Net Interest Margin

3.773

Balance Sheet Highlights
Financial Highlights Citizens National Bank Of Wills Point All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 152,093 354,831
Total Net Loans 80,914 210,372
Total Deposits 137,413 301,480
Total Equity 14,202 40,093
Profitability
Net Income 493 2,937
Return on Average Assets .474 1.054
Return on Average Equity 4.48 9.598
Net Interest Margin 3.773 3.776
Efficiency Ratio 83.113 66.187
Noninterest Income/Revenue 12.158 16.479
Balance Sheet Ratios
Loan-to-Deposit 58.884 65.838
Securities/Assets .234 .215
Total Equity/Total Assets .093 .113
Tangible Equity/Tangible Assets .093 .108
Capital Adequacy
Tier 1 Common Capital 13,431 36,724
Tier 1 Capital 13,431 36,750
Tier 2 Capital 775 2,500
Total Capital 14,206 39,290
Total Risk Weighted Assets 94,812 233,786
Leverage Ratio 9.46 10.626
Common Equity Tier 1 Capital Ratio 14.17 18.298
Tier 1 Capital Ratio 14.17 18.329
Total Capital Ratio 14.98 19.409

Timeline for Citizens National Bank Of Wills Point

The City National Bank Of Sulphur Springs

Citizens National Bank Of Wills Point was acquired by The City National Bank Of Sulphur Springs 8 years

View Profile Oct 01 2016

Fourth Street Group, Inc.

Fourth Street Group, Inc. became a new parent organization for Citizens National Bank Of Wills Point.

View Profile Jan 26 1999

Wills Point Financial Corporation

Wills Point Financial Corporation became a new parent organization for Citizens National Bank Of Wills Point.

View Profile Dec 31 1997

Citizens National Bank Of Wills Point

Citizens National Bank Of Wills Point was established 43 years ago and is currently headquartered in Wills Point, TX.

May 18 1981
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The City National Bank Of Sulphur Springs Buyer 495,698 Acquisition Discontinued 10/1/2016
Relationships Role Relationship Start Relationship End
Wills Point Financial Corporation Parent 1/1/2008 9/30/2016
Fourth Street Group, Inc. Parent 1/26/1999 12/31/2007
Wills Point Financial Corporation Parent 12/31/1997 1/25/1999
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