Citizens Bank in Beebe, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 08, 1996

  • Citizens Bank in Beebe, Arkansas (AR)
  • Show street view No street view available for this location

Citizens Bank - Overview

  • General
  • FDIC Certificate #: 1748
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Security Bank (#5633)
    Federal Reserve ID: 103442
    Date Established: January 01, 1917
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 10369
    FDIC's unique #: 1160
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 08, 1996
    Last Structure Change Process Date: May 01, 1996
    Last Data Update: May 01, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 114 North Main, Beebe, AR 72012
    County: White
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
    Core Based Statistical Area (CBSA): Searcy, AR (#42620)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $76.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $42Total assets
  • $76,825Cash and due from depository institutions
  • $3,572Interest-bearing balances
  • $293Securities
  • $11,903Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $59,344Loan loss allowance
  • $605Trading account assets
  • $0Bank premises and fixed assets
  • $1,109Other real estate owned
  • $57Goodwill and other intangibles
  • $840Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $76,825Total liabilities
  • $69,320Total deposits
  • $68,440Interest-bearing deposits
  • $57,589Deposits held in domestic offices
  • 68440.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $125Trading liabilities
  • $0Other borrowed funds
  • $284Subordinated debt
  • $0All other liabilities
  • $471Total equity capital
  • $471Total bank equity capital
  • $7,505Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $600Undivided profits
  • Memoranda
  • $6,705Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $594Income earned, not collected on loans
  • $683Earning assets
  • $71,540Long-term assets (5+ years)
  • $6,353Average Assets, year-to-date
  • $73,698Average Assets, quarterly
  • $76,837Volatile liabilities
  • $9,605Insider loans
  • $687FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $8,065Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,486Total risk weighted assets
  • $57,024Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,952Total interest expense
  • $2,717Net interest income
  • $3,235Provision for loan and lease losses
  • $208Total noninterest income
  • $610Fiduciary activities
  • $0Service charges on deposit accounts
  • $504Trading account gains & fees
  • $0Additional noninterest income
  • $106Total noninterest expense
  • $1,804Salaries and employee benefits
  • $972Premises and equipment expense
  • $234Additional noninterest expense
  • $598Pre-tax net operating income
  • $1,833Securities gains (losses)
  • $9Applicable income taxes
  • $660Income before extraordinary items
  • $1,182Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,182Net charge-offs
  • $67Cash dividends
  • $1,000Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.68%Cost of funding earning assets
  • 3.96%Net interest margin
  • 4.72%Noninterest income to earning assets
  • 0.89%Noninterest expense to earning assets
  • 2.63%Net operating income to assets
  • 1.60%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 2.50%Return on equity (ROE)
  • 16.55%Retained earnings to average equity (YTD only)
  • 2.55%Net charge-offs to loans
  • 0.12%Credit loss provision to net charge-offs
  • 310.45%Efficiency ratio
  • 46,918Assets per employee
  • 1.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.60%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 101.85%Noncurrent assets plus other real estate owned to assets
  • 0.85%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 86.71%Net loans and leases to core deposits
  • 100.65%Equity capital to assets
  • 9.77%Core capital (leverage) ratio
  • 9.65%Tier 1 risk-based capital ratio
  • 13.13%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $73,698Average earning assets
  • $7,141Average equity
  • $68,558Average loans

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