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

  • Citizens Bank in Amsterdam, Missouri (MO)
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Citizens Bank - Overview

  • General
  • FDIC Certificate #: 22601
    Status: Active
    Federal Reserve ID: 97457
    Bank Holding Company (Regulatory Top Holder): Amsterdam Bancshares, Inc. (RSSDID: 1064317, Location: Amsterdam, MO)
    Date Established: January 04, 1926
    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 #: 10961
    FDIC's unique #: 15764
    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: Consumer Lending Specialization
    Date of Deposit Insurance: January 27, 1978
    Last Structure Change Effective Date: August 11, 2010
    Last Structure Change Process Date: August 11, 2010
    Last Data Update: August 11, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 339 E Main, Amsterdam, MO 64723
    County: Bates
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $48.5 mil
    Equity capital: $3.9 mil
    Deposits held in domestic offices: $43.5 mil
    Return on assets (ROA): 1.02% ($0.5 mil)
    Quarterly return on assets: 0.45% ($0.2 mil)
    Return on Equity (ROE): 13.54% ($0.5 mil)
    Quarterly return on equity: 5.63% ($0.2 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.02% ($494.6 mil)
    Quarterly Pretax return on assets: 0.45% ($218.2 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
  • 19Total employees (full-time equivalent)
  • $48,494Total assets
  • $2,100Cash and due from depository institutions
  • $0Interest-bearing balances
  • $134Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,325Net loans & leases
  • $368Loan loss allowance
  • $0Trading account assets
  • $2,380Bank premises and fixed assets
  • $800Other real estate owned
  • $0Goodwill and other intangibles
  • $48,494Life insurance assets
  • $755All other assets
  • $44,562Total liabilities and capital
  • $43,486Total liabilities
  • $33,576Total deposits
  • $43,486Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $76Subordinated debt
  • $3,932All other liabilities
  • $3,932Total equity capital
  • $3,932Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $1,219Surplus
  • $2,663Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $98Income earned, not collected on loans
  • $0Earning assets
  • $288Long-term assets (5+ years)
  • $42,459Average Assets, year-to-date
  • $12,525Average Assets, quarterly
  • $50,888Volatile liabilities
  • $49,348Insider loans
  • $34,912FHLB advances
  • $51,502Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,932Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,759Restructured Loans and leases
  • $501Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,756Total interest income
  • $502Total interest expense
  • $2,254Net interest income
  • $123Provision for loan and lease losses
  • $431Total noninterest income
  • $0Fiduciary activities
  • $263Service charges on deposit accounts
  • $0Trading account gains & fees
  • $168Additional noninterest income
  • $2,041Total noninterest expense
  • $1,011Salaries and employee benefits
  • $336Premises and equipment expense
  • $694Additional noninterest expense
  • $521Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $521Income before extraordinary items
  • $0Extraordinary gains - net
  • $521Net income attributable to bank
  • $0Net charge-offs
  • $521Cash dividends
  • $159Sale, conversion, retirement of capital stock, net
  • $328Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.42%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 5.25%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 4.76%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 13.54%Return on equity (ROE)
  • 5.02%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 77.36%Credit loss provision to net charge-offs
  • 4.05%Efficiency ratio
  • 76,015Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.96%Loss allowance to loans
  • 0.86%Loss allowance to noncurrent loans
  • 375.51%Noncurrent assets plus other real estate owned to assets
  • 1.85%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 97.33%Net loans and leases to core deposits
  • 97.33%Equity capital to assets
  • 8.11%Core capital (leverage) ratio
  • 7.63%Tier 1 risk-based capital ratio
  • 11.26%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $50,888Average earning assets
  • $3,847Average equity
  • $42,899Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015764Citizens Bank339 E Main, Amsterdam, MO 64723January 04, 1926Full Service Brick and Mortar
    1254990Cleveland BranchHighways Y And D, Cleveland, MO 64734November 04, 1991Full Service Brick and Mortar
    2440997Citizens Bank - Adrian Branch105 South Old 71 Highway, Adrian, MO 64720December 31, 2004Full Service Brick and Mortar
    3465831Drexel Branch218 South Second Street, Drexel, MO 64742July 12, 2007Full Service Brick and Mortar
    4489867Citizens Bank Of Amsterdam Butler Br19 South Orange Street, Butler, MO 64730April 10, 2009Full Service Brick and Mortar

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