Citizens Bank in Columbia, Mississippi (MS)

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Citizens Bank
GeneralFDIC Certificate #: 324
Status: Active
Federal Reserve ID: 514132
Bank Holding Company (Regulatory Top Holder): Citizens Corporation (RSSDID: 1246681, Location: Columbia, MS)
Date Established: July 15, 1914
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 12223
FDIC's unique #: 260
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: 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
LocationAddress: 814 Main Street, Columbia, MS 39429
County: Marion
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Jackson Ms
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $357.2 mil
Equity capital: $34.8 mil
Deposits held in domestic offices: $304.2 mil
Return on assets (ROA): 1.50% ($5.4 mil)
Quarterly return on assets: 1.30% ($4.6 mil)
Return on Equity (ROE): 16.08% ($5.6 mil)
Quarterly return on equity: 13.50% ($4.7 mil)
Net income: $5.4 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.50% ($5,358.0 mil)
Quarterly Pretax return on assets: 1.30% ($4,643.6 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)
Total employees (full-time equivalent)129
Total assets$357,201
Cash and due from depository institutions$27,900
Interest-bearing balances$12,307
Federal funds sold & reverse repurchase agreements$7,364
Net loans & leases$260,528
Loan loss allowance $4,166
Trading account assets$0
Bank premises and fixed assets$10,040
Other real estate owned$2,397
Goodwill and other intangibles$0
All other assets$13,685
Life insurance assets$357,201
Total liabilities and capital$322,354
Total liabilities$304,206
Total deposits$249,855
Interest-bearing deposits$304,206
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$15,716
Other borrowed funds $0
Subordinated debt $2,432
All other liabilities $34,847
Total equity capital$34,847
Total bank equity capital$34,847
Perpetual preferred stock$0
Common stock$347
Undivided profits $13,617
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,314
Income earned, not collected on loans $2,948
Earning assets $0
Long-term assets (5+ years) $2,244
Average Assets, year-to-date $315,486
Average Assets, quarterly $64,562
Volatile liabilities $359,361
Insider loans $357,983
FHLB advances $250,138
Loans and leases held for sale $357,577
Unused loan commitments $8,218
Tier 1 (core) risk-based capital $4,957
Tier 2 risk-based capital $36,748
Total risk weighted assets $0
Total unused commitments $3,261
Restructured Loans and leases $14,732
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $19,728
Total interest expense $4,805
Net interest income $14,923
Provision for loan and lease losses $886
Total noninterest income $3,439
Fiduciary activities $122
Service charges on deposit accounts $2,052
Trading account gains & fees $0
Additional noninterest income $1,265
Total noninterest expense $12,083
Salaries and employee benefits $7,018
Premises and equipment expense $1,374
Additional noninterest expense $3,691
Pre-tax net operating income $5,393
Securities gains (losses) $10
Applicable income taxes $0
Income before extraordinary items $5,403
Extraordinary gains - net $0
Net income attributable to bank $5,403
Net charge-offs $0
Cash dividends $5,403
Sale, conversion, retirement of capital stock, net $820
Net operating income $3,250
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.18%
Cost of funding earning assets 1.51%
Net interest margin 4.67%
Noninterest income to earning assets 1.08%
Noninterest expense to earning assets 3.78%
Net operating income to assets 1.50%
Return on assets (ROA) 1.50%
Pretax return on assets 1.50%
Return on equity (ROE) 16.08%
Retained earnings to average equity (YTD only) 6.41%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 108.05%
Efficiency ratio7.66%
Assets per employee$65,783
Cash dividends to net income (YTD only)2.77%
Condition Ratios (%)
Loss allowance to loans 60.15%
Loss allowance to noncurrent loans 1.57%
Noncurrent assets plus other real estate owned to assets 141.32%
Noncurrent loans to loans 1.50%
Net loans and leases to deposits1.11%
Net loans and leases to core deposits 85.64%
Equity capital to assets 92.36%
Core capital (leverage) ratio 9.76%
Tier 1 risk-based capital ratio 10.28%
Total risk-based capital ratio 14.69%
Average assets$16
Average earning assets$359,361
Average equity $33,609
Average loans $319,237
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$22,590
Number of Accounts1
Personal trust and agency accounts$13,522
Employee benefit-defined contribution accounts$8,054
Employee benefit-defined benefit accounts$0
Other retirement accounts$3,930
Corporate trust and agency accounts$316
Investment management agency accounts$0
Other fiduciary accounts$1,222
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts119
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$9,068
Corporate trust and agency accounts$1
Other fiduciary accounts$3,828
Fiduciary accounts held in foreign offices$5,239
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7 Mississippi Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0260Citizens Bank814 Main Street, Columbia, MS 39429July 15, 1914Full Service Brick and Mortar
2181528Park Avenue Branch625 Highway 98 By Pass, Columbia, MS 39429May 21, 1979Full Service Brick and Mortar
315030Tylertown Branch907 Beulah Avenue, Tylertown, MS 39667August 02, 1974Full Service Brick and Mortar
4253323Magnolia Branch105 North Clark Avenue, Magnolia, MS 39652December 02, 1996Full Service Brick and Mortar
6430143Seminary Branch102 East Main Street, Seminary, MS 39479March 02, 2004Full Service Brick and Mortar
9468280Sumrall Branch1036 Highway 42, Sumrall, MS 39482September 27, 2007Full Service Brick and Mortar
10482368Bellevue Branch7119 U. S. Highway 98, Hattiesburg, MS 39402November 12, 2008Full Service Brick and Mortar
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