Citizens Bank in Mooresville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens Bank in Mooresville, Indiana (IN)
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Citizens Bank routing number info

Citizens Bank - Overview

  • General
  • FDIC Certificate #: 9647
    Status: Active
    Federal Reserve ID: 44741
    Bank Holding Company (Regulatory Top Holder): Citba Financial Corporation (RSSDID: 1207208, Location: Mooresville, IN)
    Date Established: Febuary 18, 1931
    WWW: http://www.citizens-banking.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    FDIC's unique #: 6169
    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: All Other Specialization < 1 Billion
    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
  • Location
  • Address: 33 North Indiana Street, Mooresville, IN 46158
    County: Morgan
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Indianapolis, IN (#3480)
    Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
    Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
    CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $356.0 mil
    Equity capital: $32.3 mil
    Deposits held in domestic offices: $310.6 mil
    Return on assets (ROA): 0.41% ($1.5 mil)
    Quarterly return on assets: 0.57% ($2.0 mil)
    Return on Equity (ROE): 4.58% ($1.5 mil)
    Quarterly return on equity: 6.25% ($2.0 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.48% ($1,708.6 mil)
    Quarterly Pretax return on assets: 0.75% ($2,669.7 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
  • 131Total employees (full-time equivalent)
  • $355,964Total assets
  • $39,601Cash and due from depository institutions
  • $35,151Interest-bearing balances
  • $82,186Securities
  • $1,510Federal funds sold & reverse repurchase agreements
  • $215,175Net loans & leases
  • $4,093Loan loss allowance
  • $0Trading account assets
  • $5,279Bank premises and fixed assets
  • $2,768Other real estate owned
  • $412Goodwill and other intangibles
  • $355,964Life insurance assets
  • $9,033All other assets
  • $323,650Total liabilities and capital
  • $310,613Total liabilities
  • $247,147Total deposits
  • $310,613Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 10332.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,705Subordinated debt
  • $32,314All other liabilities
  • $32,314Total equity capital
  • $32,314Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $8,500Surplus
  • $22,314Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $726Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,843Income earned, not collected on loans
  • $0Earning assets
  • $1,630Long-term assets (5+ years)
  • $334,022Average Assets, year-to-date
  • $99,774Average Assets, quarterly
  • $348,674Volatile liabilities
  • $354,334Insider loans
  • $236,694FHLB advances
  • $353,176Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,552Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $45,966Restructured Loans and leases
  • $720Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,282Total interest income
  • $2,170Total interest expense
  • $13,112Net interest income
  • $2,155Provision for loan and lease losses
  • $4,318Total noninterest income
  • $0Fiduciary activities
  • $1,834Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,484Additional noninterest income
  • $13,590Total noninterest expense
  • $6,551Salaries and employee benefits
  • $1,251Premises and equipment expense
  • $5,788Additional noninterest expense
  • $1,685Pre-tax net operating income
  • $0Securities gains (losses)
  • $244Applicable income taxes
  • $1,441Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,441Net income attributable to bank
  • $0Net charge-offs
  • $1,441Cash dividends
  • $2,415Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 3.99%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 4.14%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 4.58%Return on equity (ROE)
  • 4.58%Retained earnings to average equity (YTD only)
  • 1.06%Net charge-offs to loans
  • 89.23%Credit loss provision to net charge-offs
  • 1.59%Efficiency ratio
  • 77,969Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.87%Loss allowance to noncurrent loans
  • 84.51%Noncurrent assets plus other real estate owned to assets
  • 2.14%Noncurrent loans to loans
  • 2.21%Net loans and leases to deposits
  • 69.27%Net loans and leases to core deposits
  • 72.52%Equity capital to assets
  • 9.08%Core capital (leverage) ratio
  • 9.22%Tier 1 risk-based capital ratio
  • 13.75%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $348,674Average earning assets
  • $31,492Average equity
  • $328,278Average loans

List of branches

  • 13 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06169Citizens Bank33 North Indiana Street, Mooresville, IN 46158Febuary 18, 1931Full Service Brick and Mortar
    1220763Brooklyn BranchEast Mill Street, Brooklyn, IN 46111December 22, 1959Full Service Brick and Mortar
    2220764Monrovia Branch43 East Washington Street, Monrovia, IN 46157September 21, 1955Full Service Brick and Mortar
    3220765White Lick Branch499 South Indiana Street, Mooresville, IN 46158August 13, 1974Full Service Brick and Mortar
    5220767Plainfield Branch2402 East Main Street, Plainfield, IN 46168December 28, 1987Full Service Brick and Mortar
    6220768Artesian Square Branch1604 South Ohio Street, Martinsville, IN 46151December 04, 1989Full Service Retail
    7220769Morton Ave Branch1098 State Road 39 By-Pass, Martinsville, IN 46151September 23, 1990Full Service Brick and Mortar
    8220770Eminence BranchHighway 42 And Highway 142, Eminence, IN 46125August 02, 1993Full Service Brick and Mortar
    9220771East Morgan Branch1360 East Morgan Street, Martinsville, IN 46151November 08, 1993Full Service Brick and Mortar
    10220772Town Center Drive Branch480 Town Center Drive, Mooresville, IN 46158March 01, 1999Full Service Brick and Mortar
    11419919Heartland Crossing Branch10503 Heartland Boulevard, Camby, IN 46113April 14, 2003Full Service Brick and Mortar
    12428148County Line Branch2334 East County Line Road South, Indianapolis, IN 46227May 10, 2004Full Service Brick and Mortar
    15466125Avon Branch100 North St Road 267, Avon, IN 46123September 01, 2006Full Service Brick and Mortar

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