Citizens Bank & Trust in Rock Port, Missouri (MO)

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Citizens Bank & Trust routing number info

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Citizens Bank & Trust
GeneralFDIC Certificate #: 14293
Status: Active
Federal Reserve ID: 964250
Date Established: March 28, 1902
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 8929
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: April 26, 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: 101 North Main Street, Rock Port, MO 64482
County: Atchison
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $86.9 mil
Equity capital: $9.4 mil
Deposits held in domestic offices: $74.4 mil
Return on assets (ROA): 1.49% ($1.3 mil)
Quarterly return on assets: 1.43% ($1.2 mil)
Return on Equity (ROE): 13.95% ($1.3 mil)
Quarterly return on equity: 12.48% ($1.1 mil)
Net income: $1.2 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.51% ($1,311.9 mil)
Quarterly Pretax return on assets: 1.43% ($1,242.4 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)23
Total assets$86,881
Cash and due from depository institutions$3,750
Interest-bearing balances$996
Federal funds sold & reverse repurchase agreements$10,867
Net loans & leases$33,843
Loan loss allowance $596
Trading account assets$0
Bank premises and fixed assets$1,372
Other real estate owned$72
Goodwill and other intangibles$50
All other assets$976
Life insurance assets$86,881
Total liabilities and capital$77,503
Total liabilities$74,399
Total deposits$62,564
Interest-bearing deposits$74,399
Deposits held in domestic offices$86
% insured (estimated)2908.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $196
All other liabilities $9,378
Total equity capital$9,378
Total bank equity capital$9,378
Perpetual preferred stock$0
Common stock$400
Undivided profits $7,858
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $826
Earning assets $0
Long-term assets (5+ years) $614
Average Assets, year-to-date $81,657
Average Assets, quarterly $25,920
Volatile liabilities $81,757
Insider loans $82,795
FHLB advances $44,045
Loans and leases held for sale $82,172
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $8,165
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,509
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,097
Total interest expense $493
Net interest income $2,604
Provision for loan and lease losses $8
Total noninterest income $557
Fiduciary activities $33
Service charges on deposit accounts $409
Trading account gains & fees $0
Additional noninterest income $115
Total noninterest expense $1,922
Salaries and employee benefits $1,143
Premises and equipment expense $318
Additional noninterest expense $461
Pre-tax net operating income $1,231
Securities gains (losses) $0
Applicable income taxes $11
Income before extraordinary items $1,220
Extraordinary gains - net $0
Net income attributable to bank $1,220
Net charge-offs $0
Cash dividends $1,220
Sale, conversion, retirement of capital stock, net $47
Net operating income $700
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.98%
Cost of funding earning assets 0.63%
Net interest margin 3.34%
Noninterest income to earning assets 0.72%
Noninterest expense to earning assets 2.47%
Net operating income to assets 1.49%
Return on assets (ROA) 1.49%
Pretax return on assets 1.51%
Return on equity (ROE) 13.95%
Retained earnings to average equity (YTD only) 5.95%
Net charge-offs to loans 0.14%
Credit loss provision to net charge-offs 17.02%
Efficiency ratio26.36%
Assets per employee$60,804
Cash dividends to net income (YTD only)3.78%
Condition Ratios (%)
Loss allowance to loans 57.38%
Loss allowance to noncurrent loans 1.73%
Noncurrent assets plus other real estate owned to assets 72.15%
Noncurrent loans to loans 1.03%
Net loans and leases to deposits2.40%
Net loans and leases to core deposits 45.49%
Equity capital to assets 47.54%
Core capital (leverage) ratio 10.79%
Tier 1 risk-based capital ratio 9.94%
Total risk-based capital ratio 18.54%
Average assets$20
Average earning assets$81,757
Average equity $8,746
Average loans $77,892
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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$12,158
Number of Accounts1
Personal trust and agency accounts$11,637
Employee benefit-defined contribution accounts$11,616
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$21
Number of Accounts25
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$521
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$509
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3 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08929Citizens Bank & Trust101 North Main Street, Rock Port, MO 64482March 28, 1902Full Service Brick and Mortar
1790Craig Branch105 South Main Street, Craig, MO 64437November 09, 1929Full Service Brick and Mortar
3269636Mound City Branch904 State Street, Mound City, MO 64470January 01, 1907Full Service Brick and Mortar
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