Citizens Bank in New Haven, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank - Overview

  • General
  • FDIC Certificate #: 14488
    Status: Active
    Federal Reserve ID: 1001853
    Bank Holding Company (Regulatory Top Holder): Citizens Financial Group, Inc. (RSSDID: 1099784, Location: New Haven, MO)
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12330
    FDIC's unique #: 9053
    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: Commercial Lending Specialization
    Date of Deposit Insurance: June 19, 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: 100 Circle Drive, New Haven, MO 63068
    County: Franklin
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $166.7 mil
    Equity capital: $20.0 mil
    Deposits held in domestic offices: $144.7 mil
    Return on assets (ROA): -0.32% (-$0.5 mil)
    Quarterly return on assets: -0.47% (-$0.8 mil)
    Return on Equity (ROE): -2.63% (-$0.5 mil)
    Quarterly return on equity: -3.94% (-$0.8 mil)
    Net income: -$0.5 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.54% (-$900.1 mil)
    Quarterly Pretax return on assets: -0.75% (-$1,250.1 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
  • 58Total employees (full-time equivalent)
  • $166,684Total assets
  • $15,381Cash and due from depository institutions
  • $10,585Interest-bearing balances
  • $12,216Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $128,325Net loans & leases
  • $4,489Loan loss allowance
  • $0Trading account assets
  • $2,843Bank premises and fixed assets
  • $2,237Other real estate owned
  • $0Goodwill and other intangibles
  • $166,684Life insurance assets
  • $5,682All other assets
  • $146,702Total liabilities and capital
  • $144,700Total liabilities
  • $114,509Total deposits
  • $144,700Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 383.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,619Subordinated debt
  • $19,982All other liabilities
  • $19,982Total equity capital
  • $19,982Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $6,994Surplus
  • $12,888Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $86Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,859Income earned, not collected on loans
  • $0Earning assets
  • $638Long-term assets (5+ years)
  • $151,126Average Assets, year-to-date
  • $11,769Average Assets, quarterly
  • $169,650Volatile liabilities
  • $166,967Insider loans
  • $138,876FHLB advances
  • $165,958Loans and leases held for sale
  • $619Unused loan commitments
  • $619Tier 1 (core) risk-based capital
  • $19,802Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,590Restructured Loans and leases
  • $1,864Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,861Total interest income
  • $1,245Total interest expense
  • $6,616Net interest income
  • $3,500Provision for loan and lease losses
  • $950Total noninterest income
  • $0Fiduciary activities
  • $699Service charges on deposit accounts
  • $0Trading account gains & fees
  • $251Additional noninterest income
  • $4,980Total noninterest expense
  • $2,959Salaries and employee benefits
  • $795Premises and equipment expense
  • $1,226Additional noninterest expense
  • -$914Pre-tax net operating income
  • $0Securities gains (losses)
  • -$378Applicable income taxes
  • -$536Income before extraordinary items
  • $0Extraordinary gains - net
  • -$536Net income attributable to bank
  • $0Net charge-offs
  • -$536Cash dividends
  • $4,104Sale, conversion, retirement of capital stock, net
  • $128Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.26%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • -0.32%Net operating income to assets
  • -0.32%Return on assets (ROA)
  • -0.54%Pretax return on assets
  • -2.63%Return on equity (ROE)
  • -3.25%Retained earnings to average equity (YTD only)
  • 3.05%Net charge-offs to loans
  • 85.28%Credit loss provision to net charge-offs
  • 0.63%Efficiency ratio
  • 65,821Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -23.88%Loss allowance to loans
  • 3.38%Loss allowance to noncurrent loans
  • 57.12%Noncurrent assets plus other real estate owned to assets
  • 6.06%Noncurrent loans to loans
  • 5.92%Net loans and leases to deposits
  • 88.68%Net loans and leases to core deposits
  • 90.23%Equity capital to assets
  • 11.99%Core capital (leverage) ratio
  • 11.93%Tier 1 risk-based capital ratio
  • 14.26%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $169,650Average earning assets
  • $20,410Average equity
  • $155,285Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09053Citizens Bank100 Circle Drive, New Haven, MO 63068January 01, 1934Full Service Brick and Mortar
    2231551Gerald Branch725 West Springfield Road, Gerald, MO 63037November 02, 1992Full Service Brick and Mortar
    4231553West Osage Branch2245 West Osage, Pacific, MO 63069November 12, 1997Full Service Brick and Mortar
    5359387Washington Branch1451 High Street, Suite 101, Washington, MO 63090November 03, 2000Full Service Brick and Mortar
    6467996Marthasville Branch16020 State Highway 47, Marthasville, MO 63357July 20, 2007Full Service Brick and Mortar

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