PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens State Bank

Royse City, TX · Cert 1718

FDIC

Q4 1995

$16.3MAssets
$9.1MLoans
$14.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.94%, up 75 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 62.51% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

1.94%+75 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets0.83%0.95%1.10%1.19%1.38%1.55%1.80%1.94%+75 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a0.84%-3.08%0.48%3.76%n/a
Loan Growth (YoY)n/an/an/an/a28.76%28.08%24.50%19.12%n/a
Deposit Growth (YoY)n/an/an/an/a-0.72%-4.96%-1.42%1.97%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits41.22%42.29%48.20%53.51%53.46%56.99%60.87%62.51%+900 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a