Citizens Bank & Trust in Evans, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1994

  • Citizens Bank & Trust in Evans, Georgia (GA)
  • Show street view No street view available for this location

Citizens Bank & Trust - Overview

  • General
  • FDIC Certificate #: 27353
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Allied Bank of Georgia (#163)
    Federal Reserve ID: 1218455
    Date Established: October 07, 1988
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 39627
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 07, 1988
    Last Structure Change Effective Date: October 01, 1994
    Last Structure Change Process Date: October 19, 1994
    Last Data Update: October 19, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 4385 Washington Road, Evans, GA 30809
    County: Columbia
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Augusta-Aiken, GA-SC (#600)
    Core Based Statistical Area (CBSA): Augusta-Richmond County, GA-SC (#12260)
    CBSA Metro Statistical Area: Augusta-Richmond County, GA-SC (#12260)
  • Financial Summary
  • Total assets: $67.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $26Total assets
  • $75,334Cash and due from depository institutions
  • $2,956Interest-bearing balances
  • $0Securities
  • $12,423Federal funds sold & reverse repurchase agreements
  • $3,540Net loans & leases
  • $53,308Loan loss allowance
  • $549Trading account assets
  • $0Bank premises and fixed assets
  • $2,293Other real estate owned
  • $0Goodwill and other intangibles
  • $814Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $75,334Total liabilities
  • $67,764Total deposits
  • $63,213Interest-bearing deposits
  • $55,510Deposits held in domestic offices
  • 63213.00%% insured (estimated)
  • $81Federal funds purchased & repurchase agreements
  • $3,877Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $674Total equity capital
  • $674Total bank equity capital
  • $7,570Perpetual preferred stock
  • $0Common stock
  • $3,303Surplus
  • $2,518Undivided profits
  • Memoranda
  • $1,749Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $525Income earned, not collected on loans
  • $534Earning assets
  • $69,271Long-term assets (5+ years)
  • $4,596Average Assets, year-to-date
  • $61,984Average Assets, quarterly
  • $70,650Volatile liabilities
  • $20,021Insider loans
  • $1,316FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,278Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,570Total risk weighted assets
  • $53,226Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,575Total interest expense
  • $1,850Net interest income
  • $2,725Provision for loan and lease losses
  • $334Total noninterest income
  • $302Fiduciary activities
  • $0Service charges on deposit accounts
  • $243Trading account gains & fees
  • $0Additional noninterest income
  • $59Total noninterest expense
  • $1,473Salaries and employee benefits
  • $726Premises and equipment expense
  • $208Additional noninterest expense
  • $539Pre-tax net operating income
  • $1,220Securities gains (losses)
  • $18Applicable income taxes
  • $421Income before extraordinary items
  • $817Extraordinary gains - net
  • $0Net income attributable to bank
  • $817Net charge-offs
  • $171Cash dividends
  • $330Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.02%Cost of funding earning assets
  • 3.24%Net interest margin
  • 4.78%Noninterest income to earning assets
  • 0.53%Noninterest expense to earning assets
  • 2.58%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 2.00%Return on equity (ROE)
  • 11.22%Retained earnings to average equity (YTD only)
  • 6.69%Net charge-offs to loans
  • 0.38%Credit loss provision to net charge-offs
  • 195.32%Efficiency ratio
  • 48,662Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.39%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 104.57%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 84.33%Net loans and leases to core deposits
  • 113.26%Equity capital to assets
  • 10.05%Core capital (leverage) ratio
  • 10.66%Tier 1 risk-based capital ratio
  • 14.22%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $61,984Average earning assets
  • $7,282Average equity
  • $57,045Average loans

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 & Trust.
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.
Table of Contents