FDIC Certificate #: 5712 Status: Active Federal Reserve ID: 116732 Date Established: January 01, 1904 WWW:http://www.citizensbankcairo.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 3893 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: September 25, 2007 Last Data Update: September 25, 2007 Data Source Date: April 05, 2012
Location
Address: 128 South Broad Street, Cairo, GA 39828 County: Grady Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Albany Ga Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast
History of Changes
Merge BIF and SAIF Funds into DIF
Change in Location
Financial Summary
Total assets: $46.1 mil Equity capital: $4.9 mil Deposits held in domestic offices: $40.9 mil Return on assets (ROA): -1.06% (-$0.5 mil) Quarterly return on assets: -1.48% (-$0.7 mil) Return on Equity (ROE): -8.67% (-$0.4 mil) Quarterly return on equity: -12.54% (-$0.6 mil) Net income: -$0.4 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -1.06% (-$488.1 mil) Quarterly Pretax return on assets: -1.48% (-$681.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$46,051Total assets
$11,024Cash and due from depository institutions
$10,387Interest-bearing balances
$15,003Securities
$0Federal funds sold & reverse repurchase agreements
$17,524Net loans & leases
$751Loan loss allowance
$0Trading account assets
$1,533Bank premises and fixed assets
$724Other real estate owned
$0Goodwill and other intangibles
$46,051Life insurance assets
$243All other assets
$41,136Total liabilities and capital
$40,915Total liabilities
$32,967Total deposits
$40,915Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$221Subordinated debt
$4,915All other liabilities
$4,915Total equity capital
$4,915Total bank equity capital
$0Perpetual preferred stock
$350Common stock
$3,500Surplus
$1,065Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$988Income earned, not collected on loans
$0Earning assets
$196Long-term assets (5+ years)
$42,914Average Assets, year-to-date
$6,745Average Assets, quarterly
$41,815Volatile liabilities
$42,321Insider loans
$19,876FHLB advances
$42,428Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,799Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$909Restructured Loans and leases
$208Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,505Total interest income
$430Total interest expense
$1,075Net interest income
$175Provision for loan and lease losses
$178Total noninterest income
$0Fiduciary activities
$130Service charges on deposit accounts
$0Trading account gains & fees
$48Additional noninterest income
$1,522Total noninterest expense
$717Salaries and employee benefits
$195Premises and equipment expense
$610Additional noninterest expense
-$444Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$444Income before extraordinary items
$0Extraordinary gains - net
-$444Net income attributable to bank
$0Net charge-offs
-$444Cash dividends
$333Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.02%Yield on earning assets
1.15%Cost of funding earning assets
2.87%Net interest margin
0.48%Noninterest income to earning assets
4.07%Noninterest expense to earning assets
-1.06%Net operating income to assets
-1.06%Return on assets (ROA)
-1.06%Pretax return on assets
-8.67%Return on equity (ROE)
-8.67%Retained earnings to average equity (YTD only)
1.79%Net charge-offs to loans
52.55%Credit loss provision to net charge-offs
-0.81%Efficiency ratio
121,468Assets per employee
3.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.11%Loss allowance to noncurrent loans
76.01%Noncurrent assets plus other real estate owned to assets
3.72%Noncurrent loans to loans
5.41%Net loans and leases to deposits
42.83%Net loans and leases to core deposits
46.69%Equity capital to assets
10.67%Core capital (leverage) ratio
11.31%Tier 1 risk-based capital ratio
24.14%Total risk-based capital ratio
Memoranda
$25Average assets
$41,815Average earning assets
$5,120Average equity
$37,420Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3893
Citizens Bank
128 South Broad Street, Cairo, GA 39828
January 01, 1904
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: