CITIZENS' BANK, INC. in Robertsdale, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • CITIZENS' BANK, INC. in Robertsdale, Alabama (AL)
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  • General
  • FDIC Certificate #: 23523
    Status: Active
    Federal Reserve ID: 563336
    Bank Holding Company (Regulatory Top Holder): Citizens' Capital Corporation (RSSDID: 1144040, Location: Robertsdale, AL)
    Date Established: September 08, 1981
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13156
    FDIC's unique #: 16476
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 08, 1981
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 21980 Palmer Street, Robertsdale, AL 36567
    County: Baldwin
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Pensacola
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Mobile, AL (#5160)
    Combined Statistical Area (CSA): Mobile-Daphne-Fairhope, AL (#380)
    Core Based Statistical Area (CBSA): Daphne-Fairhope-Foley, AL (#19300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $115.9 mil
    Equity capital: $10.5 mil
    Deposits held in domestic offices: $100.0 mil
    Return on assets (ROA): 0.09% ($0.1 mil)
    Quarterly return on assets: 1.02% ($1.2 mil)
    Return on Equity (ROE): 1.01% ($0.1 mil)
    Quarterly return on equity: 11.38% ($1.3 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.11% ($127.5 mil)
    Quarterly Pretax return on assets: 1.11% ($1,286.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 38Total employees (full-time equivalent)
  • $115,907Total assets
  • $13,995Cash and due from depository institutions
  • $10,625Interest-bearing balances
  • $26,367Securities
  • $730Federal funds sold & reverse repurchase agreements
  • $66,509Net loans & leases
  • $1,842Loan loss allowance
  • $0Trading account assets
  • $2,954Bank premises and fixed assets
  • $801Other real estate owned
  • $0Goodwill and other intangibles
  • $115,907Life insurance assets
  • $4,551All other assets
  • $105,407Total liabilities and capital
  • $99,973Total liabilities
  • $79,693Total deposits
  • $99,973Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $434Subordinated debt
  • $10,500All other liabilities
  • $10,500Total equity capital
  • $10,500Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $700Surplus
  • $9,700Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,567Income earned, not collected on loans
  • $0Earning assets
  • $586Long-term assets (5+ years)
  • $104,231Average Assets, year-to-date
  • $20,484Average Assets, quarterly
  • $117,930Volatile liabilities
  • $115,777Insider loans
  • $74,865FHLB advances
  • $118,223Loans and leases held for sale
  • $3,037Unused loan commitments
  • $1,698Tier 1 (core) risk-based capital
  • $9,910Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,339Total unused commitments
  • $9,996Restructured Loans and leases
  • $74Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,158Total interest income
  • $987Total interest expense
  • $4,171Net interest income
  • $648Provision for loan and lease losses
  • $378Total noninterest income
  • $0Fiduciary activities
  • $372Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6Additional noninterest income
  • $3,767Total noninterest expense
  • $1,881Salaries and employee benefits
  • $590Premises and equipment expense
  • $1,296Additional noninterest expense
  • $134Pre-tax net operating income
  • -$7Securities gains (losses)
  • $25Applicable income taxes
  • $102Income before extraordinary items
  • $0Extraordinary gains - net
  • $102Net income attributable to bank
  • $0Net charge-offs
  • $102Cash dividends
  • $792Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 3.58%Noninterest expense to earning assets
  • 0.09%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.11%Pretax return on assets
  • 1.01%Return on equity (ROE)
  • 1.01%Retained earnings to average equity (YTD only)
  • 1.11%Net charge-offs to loans
  • 81.82%Credit loss provision to net charge-offs
  • 0.99%Efficiency ratio
  • 82,809Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.69%Loss allowance to noncurrent loans
  • 117.55%Noncurrent assets plus other real estate owned to assets
  • 2.04%Noncurrent loans to loans
  • 2.29%Net loans and leases to deposits
  • 66.53%Net loans and leases to core deposits
  • 74.78%Equity capital to assets
  • 9.06%Core capital (leverage) ratio
  • 8.38%Tier 1 risk-based capital ratio
  • 13.24%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $117,930Average earning assets
  • $10,083Average equity
  • $105,186Average loans

List of branches

  • 4 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016476Citizens' Bank, Inc.21980 Palmer Street, Robertsdale, AL 36567September 08, 1981Full Service Brick and Mortar
    1256412Loxley Branch2121 South Hickory Street, Loxley, AL 36551March 15, 1984Full Service Brick and Mortar
    2256413Fairhope Branch905 Plantation Boulevard, Fairhope, AL 36532August 08, 1994Full Service Brick and Mortar
    3256414Foley Branch251 East Orange Avenue, Foley, AL 36535April 13, 1998Full Service Brick and Mortar

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