Citizens Bank & Trust in Guntersville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Citizens Bank & Trust in Guntersville, Alabama (AL)
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Citizens Bank & Trust - Overview

  • General
  • FDIC Certificate #: 57483
    Status: Active
    Federal Reserve ID: 3174920
    Bank Holding Company (Regulatory Top Holder): Citizens B & T Holdings, Inc. (RSSDID: 3439179, Location: Gunterville, AL)
    Date Established: March 03, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 364141
    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: Commercial Lending Specialization
    Date of Deposit Insurance: March 03, 2003
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 404 Gunter Avenue, Guntersville, AL 35976
    County: Marshall
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Albertville, AL (#10700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $286.8 mil
    Equity capital: $29.0 mil
    Deposits held in domestic offices: $241.1 mil
    Return on assets (ROA): 0.80% ($2.3 mil)
    Quarterly return on assets: 1.18% ($3.4 mil)
    Return on Equity (ROE): 8.45% ($2.5 mil)
    Quarterly return on equity: 11.78% ($3.4 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.03% ($2,954.1 mil)
    Quarterly Pretax return on assets: 1.47% ($4,216.0 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
  • 92Total employees (full-time equivalent)
  • $286,806Total assets
  • $9,417Cash and due from depository institutions
  • $4,373Interest-bearing balances
  • $60,579Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $192,737Net loans & leases
  • $2,479Loan loss allowance
  • $0Trading account assets
  • $9,527Bank premises and fixed assets
  • $3,419Other real estate owned
  • $0Goodwill and other intangibles
  • $286,805Life insurance assets
  • $11,127All other assets
  • $257,780Total liabilities and capital
  • $241,088Total liabilities
  • $202,666Total deposits
  • $241,088Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 4368.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $2,324Subordinated debt
  • $29,025All other liabilities
  • $29,025Total equity capital
  • $29,025Total bank equity capital
  • $0Perpetual preferred stock
  • $12Common stock
  • $22,528Surplus
  • $6,485Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,368Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,517Income earned, not collected on loans
  • $0Earning assets
  • $1,448Long-term assets (5+ years)
  • $257,689Average Assets, year-to-date
  • $64,785Average Assets, quarterly
  • $288,954Volatile liabilities
  • $286,864Insider loans
  • $224,227FHLB advances
  • $286,996Loans and leases held for sale
  • $5,800Unused loan commitments
  • $5,800Tier 1 (core) risk-based capital
  • $28,660Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,105Restructured Loans and leases
  • $7,733Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,425Total interest income
  • $2,984Total interest expense
  • $11,441Net interest income
  • $1,765Provision for loan and lease losses
  • $2,238Total noninterest income
  • $0Fiduciary activities
  • $1,179Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,059Additional noninterest income
  • $8,856Total noninterest expense
  • $5,113Salaries and employee benefits
  • $879Premises and equipment expense
  • $2,864Additional noninterest expense
  • $3,058Pre-tax net operating income
  • -$72Securities gains (losses)
  • $668Applicable income taxes
  • $2,318Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,318Net income attributable to bank
  • $0Net charge-offs
  • $2,318Cash dividends
  • $2,120Sale, conversion, retirement of capital stock, net
  • $395Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 8.45%Return on equity (ROE)
  • 7.01%Retained earnings to average equity (YTD only)
  • 1.07%Net charge-offs to loans
  • 83.25%Credit loss provision to net charge-offs
  • 2.27%Efficiency ratio
  • 64,742Assets per employee
  • 3.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.04%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 163.41%Noncurrent assets plus other real estate owned to assets
  • 1.72%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 79.94%Net loans and leases to core deposits
  • 90.60%Equity capital to assets
  • 10.12%Core capital (leverage) ratio
  • 9.99%Tier 1 risk-based capital ratio
  • 12.78%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $288,954Average earning assets
  • $27,443Average equity
  • $261,492Average loans

List of branches

  • 8 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0364141Citizens Bank & Trust404 Gunter Avenue, Guntersville, AL 35976March 03, 2003Full Service Brick and Mortar
    1429372New Hope Branch5053 Main Drive, New Hope, AL 35760June 04, 2004Full Service Brick and Mortar
    2429373Arab Branch1205 North Brindlee Mountain Parkway, Arab, AL 35016June 18, 2004Full Service Brick and Mortar
    4429734Mobile Messenger Servie404 Gunter Avenue, Guntersville, AL 35976March 03, 2003Limited Service Messenger
    5432794Albertville Branch324 North Broad Street, Albertville, AL 35950October 25, 2004Full Service Brick and Mortar
    6462773Hazel Green Branch13870 Highway 231/431 North, Hazel Green, AL 35750April 23, 2007Full Service Brick and Mortar
    7485632Athens Branch1260 Us Highway 72 E, Ste H, Athens, AL 35611October 27, 2008Full Service Brick and Mortar
    8492479Rogersville BranchMarket Square, Rogersville, AL 35652Febuary 28, 2008Full Service Brick and Mortar

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