Citizens Bank in Byhalia, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Citizens Bank - Overview

  • General
  • FDIC Certificate #: 11432
    Status: Active
    Federal Reserve ID: 209447
    Bank Holding Company (Regulatory Top Holder): Marshall Financial Corporation (RSSDID: 1119619, Location: Byhalia, MS)
    Date Established: November 01, 1919
    WWW: http://www.citizensbyhalia.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 7301
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 8077 State Highway 178, Byhalia, MS 38611
    County: Marshall
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
    CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $70.7 mil
    Equity capital: $7.6 mil
    Deposits held in domestic offices: $62.6 mil
    Return on assets (ROA): 0.61% ($0.4 mil)
    Quarterly return on assets: 0.26% ($0.2 mil)
    Return on Equity (ROE): 5.75% ($0.5 mil)
    Quarterly return on equity: 2.43% ($0.2 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.83% ($587.1 mil)
    Quarterly Pretax return on assets: 0.52% ($367.8 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
  • 28Total employees (full-time equivalent)
  • $70,730Total assets
  • $8,030Cash and due from depository institutions
  • $4,300Interest-bearing balances
  • $27,204Securities
  • $899Federal funds sold & reverse repurchase agreements
  • $30,944Net loans & leases
  • $384Loan loss allowance
  • $0Trading account assets
  • $883Bank premises and fixed assets
  • $60Other real estate owned
  • $0Goodwill and other intangibles
  • $70,730Life insurance assets
  • $2,710All other assets
  • $63,113Total liabilities and capital
  • $62,590Total liabilities
  • $50,901Total deposits
  • $62,590Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $523Subordinated debt
  • $7,617All other liabilities
  • $7,617Total equity capital
  • $7,617Total bank equity capital
  • $0Perpetual preferred stock
  • $135Common stock
  • $6,000Surplus
  • $1,482Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $305Income earned, not collected on loans
  • $0Earning assets
  • $480Long-term assets (5+ years)
  • $63,347Average Assets, year-to-date
  • $22,303Average Assets, quarterly
  • $70,099Volatile liabilities
  • $71,340Insider loans
  • $37,585FHLB advances
  • $71,128Loans and leases held for sale
  • $1,564Unused loan commitments
  • $215Tier 1 (core) risk-based capital
  • $7,163Tier 2 risk-based capital
  • $1,349Total risk weighted assets
  • $0Total unused commitments
  • $1,769Restructured Loans and leases
  • $304Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,081Total interest income
  • $596Total interest expense
  • $2,485Net interest income
  • $135Provision for loan and lease losses
  • $670Total noninterest income
  • $0Fiduciary activities
  • $445Service charges on deposit accounts
  • $0Trading account gains & fees
  • $225Additional noninterest income
  • $2,442Total noninterest expense
  • $1,328Salaries and employee benefits
  • $428Premises and equipment expense
  • $686Additional noninterest expense
  • $578Pre-tax net operating income
  • $2Securities gains (losses)
  • $153Applicable income taxes
  • $427Income before extraordinary items
  • $0Extraordinary gains - net
  • $427Net income attributable to bank
  • $0Net charge-offs
  • $427Cash dividends
  • $100Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.92%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 3.86%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 5.75%Return on equity (ROE)
  • 3.05%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 135.00%Credit loss provision to net charge-offs
  • 7.13%Efficiency ratio
  • 77,401Assets per employee
  • 2.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.84%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 125.90%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 49.44%Net loans and leases to core deposits
  • 50.48%Equity capital to assets
  • 10.77%Core capital (leverage) ratio
  • 10.07%Tier 1 risk-based capital ratio
  • 19.06%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $70,099Average earning assets
  • $7,431Average equity
  • $63,319Average loans

List of branches

  • 3 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07301Citizens Bank8077 State Highway 178, Byhalia, MS 38611November 01, 1919Full Service Brick and Mortar
    1224625Barton Branch3441 Highway 309 North, Byhalia, MS 38611September 24, 1974Full Service Brick and Mortar
    2224626Victoria BranchHighway 78, Victoria, MS 38679November 19, 1974Full Service Brick and Mortar

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