Vitals
  • Total Assets
    65.1M -1.3 %
  • Total Deposits
    57.0M -2.0 %
  • Total Net Loans
    50.1M 0.2 %
  • Net Income
    309000.0000 -29.6 %
  • Book Value
    8.0M 3.4 %
  • Book Value x2
    15.9M 3.4 %
  • Book Value x3
    23.9M 3.4 %
ROAA

.461

ROAE

3.929

Efficiency Ratio

81.97

Net Interest Margin

4.316

Balance Sheet Highlights
Financial Highlights Citizens State Bank Of Luling All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 65,061 358,087
Total Net Loans 50,067 213,533
Total Deposits 57,033 308,027
Total Equity 7,969 38,740
Profitability
Net Income 309 3,845
Return on Average Assets .461 1.025
Return on Average Equity 3.929 9.415
Net Interest Margin 4.316 3.773
Efficiency Ratio 81.97 66.762
Noninterest Income/Revenue 11.619 16.375
Balance Sheet Ratios
Loan-to-Deposit 87.786 65.494
Securities/Assets .071 .214
Total Equity/Total Assets .122 .108
Tangible Equity/Tangible Assets .122 .104
Capital Adequacy
Tier 1 Common Capital 7,947 37,278
Tier 1 Capital 7,947 37,303
Tier 2 Capital 624 2,526
Total Capital 8,571 39,866
Total Risk Weighted Assets 49,759 237,367
Leverage Ratio 11.88 10.563
Common Equity Tier 1 Capital Ratio 15.97 18.073
Tier 1 Capital Ratio 15.97 18.097
Total Capital Ratio 17.23 19.169

Timeline for Citizens State Bank Of Luling

Luling Bancshares, Inc.

Luling Bancshares, Inc. became a new parent organization for Citizens State Bank Of Luling.

View Profile Dec 31 2011

Luling Delaware Financial Corporation

Luling Delaware Financial Corporation became a new parent organization for Citizens State Bank Of Luling.

View Profile Feb 20 2002

Continental National Bank

Acquisition: Citizens State Bank Of Luling acquired a new subsidiary, Continental National Bank, 35 years

View Profile Apr 21 1989

River City Bank

Acquisition: Citizens State Bank Of Luling acquired a new subsidiary, River City Bank, 36 years

View Profile Sep 16 1988

Citizens State Bank Of Luling

Citizens State Bank Of Luling was established 110 years ago and is currently headquartered in Luling, TX.

Jan 02 1914
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Continental National Bank Seller 12,204 Failure 4/21/1989
River City Bank Seller 15,070 Failure 9/16/1988
Relationships Role Relationship Start Relationship End
Luling Bancshares, Inc. Parent 12/31/2011
Luling Delaware Financial Corporation Parent 2/20/2002 12/30/2011
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