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Citizens State Bank of Dickinson, Texas, The

Dickinson, TX · Cert 9017

FDIC

Q2 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2003, the quarter ended June 30, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens State Bank of Dickinson, Texas, The

Dickinson, TX · Cert 9017

FDIC

Q2 2003

$312.0MAssets
$98.3MLoans
$242.0MDeposits
$30.5MEquity
Loan mix
74%RE $37.6M24%C&I $12.2M1%Consumer $0.7MQ2 2002Q2 2003
Deposit mix
71%Interest-bearing $171.9M29%Noninterest $70.2MQ2 2002Q2 2003

NIM

6.34%Q2 ’015.13%Q2 ’024.59%Q2 ’03-8%+8%

Non-interest income vs. expense

4.40%Q2 ’014.24%Q2 ’024.03%Q2 ’03-1%-8%

Executive Summary

  • Earnings: ROA of 3.06%, up 123 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 40.60% of deposits as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

3.06%1+123 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+27 bps YoY

Efficiency Ratio (YTD, annualized)

77.08%-847 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets1.83%11.34%11.25%10.99%3.06%1+123 bps
Return on Equity19.01%14.21%13.34%10.85%32.80%+1,379 bps
Net Interest Margin3.37%3.11%3.04%3.66%3.64%+27 bps
Efficiency Ratio85.55%85.10%81.63%72.26%77.08%-847 bps
Non-Interest Burden2.69%2.45%2.24%2.25%2.47%-22 bps
Growth
Asset Growth (YoY)13.52%27.20%22.21%18.97%12.84%-68 bps
Loan Growth (YoY)3.93%4.41%3.75%6.33%7.49%+356 bps
Deposit Growth (YoY)14.60%14.74%7.45%2.90%-1.39%-1,599 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.16%0.17%0.30%0.15%-3 bps
Allowance / Loans1.50%1.52%1.50%1.46%1.45%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital20.59%19.32%19.38%19.69%22.21%+161 bps
Equity / Assets9.81%8.90%9.09%9.12%9.77%-4 bps
Liquidity & Funding
Loans / Deposits37.24%36.36%37.35%38.97%40.60%+336 bps
Liquid Assets / Assets0.00%0.02%0.04%0.06%0.02%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a