Citizens' Bank & Trust Co. in city_name, state_name - Detailed Financial Reports, Location

Citizens' Bank & Trust Co. in Van Buren, Arkansas (AR)
Show street view No street view available for this location

Citizens' Bank & Trust Co. routing number info

Citizens' Bank & Trust Co. - Overview

General
FDIC Certificate #: 8738
Status: Active
Federal Reserve ID: 192147
Bank Holding Company (Regulatory Top Holder): First Bank Corp (RSSDID: 1491360, Location: Fort Smith, AR)
Date Established: May 01, 1886
WWW: http://www.cbankandtrust.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 5566
Numeric code: 13
Regulator: FED
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: 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: 3110 Alma Highway, Van Buren, AR 72956
County: Crawford
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Little Rock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Fort Smith, AR-OK (#2720)
Core Based Statistical Area (CBSA): Fort Smith, AR-OK (#22900)
CBSA Metro Statistical Area: Fort Smith, AR-OK (#22900)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $368.7 mil
Equity capital: $37.6 mil
Deposits held in domestic offices: $322.9 mil
Return on assets (ROA): 1.39% ($5.1 mil)
Quarterly return on assets: 1.34% ($4.9 mil)
Return on Equity (ROE): 13.59% ($5.2 mil)
Quarterly return on equity: 12.84% ($4.9 mil)
Net income: $5.1 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.93% ($7,115.3 mil)
Quarterly Pretax return on assets: 1.58% ($5,825.0 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
107Total employees (full-time equivalent)
$368,670Total assets
$18,242Cash and due from depository institutions
$13,494Interest-bearing balances
$107,227Securities
$0Federal funds sold & reverse repurchase agreements
$223,464Net loans & leases
$4,413Loan loss allowance
$0Trading account assets
$4,098Bank premises and fixed assets
$3,676Other real estate owned
$477Goodwill and other intangibles
$368,670Life insurance assets
$11,486All other assets
$331,030Total liabilities and capital
$322,905Total liabilities
$280,537Total deposits
$322,905Interest-bearing deposits
$83Deposits held in domestic offices
4001.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,914Trading liabilities
$0Other borrowed funds
$2,210Subordinated debt
$37,640All other liabilities
$37,640Total equity capital
$37,640Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$2,100Surplus
$35,140Undivided profits
Memoranda
$0Noncurrent loans and leases
$3,652Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,676Income earned, not collected on loans
$0Earning assets
$2,066Long-term assets (5+ years)
$344,185Average Assets, year-to-date
$58,461Average Assets, quarterly
$363,967Volatile liabilities
$364,930Insider loans
$230,694FHLB advances
$366,013Loans and leases held for sale
$2,940Unused loan commitments
$2,940Tier 1 (core) risk-based capital
$36,531Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,010Restructured Loans and leases
$4,897Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$17,293Total interest income
$2,583Total interest expense
$14,710Net interest income
$1,800Provision for loan and lease losses
$2,412Total noninterest income
$60Fiduciary activities
$1,640Service charges on deposit accounts
$0Trading account gains & fees
$712Additional noninterest income
$8,337Total noninterest expense
$5,424Salaries and employee benefits
$866Premises and equipment expense
$2,047Additional noninterest expense
$6,985Pre-tax net operating income
$24Securities gains (losses)
$1,956Applicable income taxes
$5,053Income before extraordinary items
$0Extraordinary gains - net
$5,053Net income attributable to bank
$0Net charge-offs
$5,053Cash dividends
$1,112Sale, conversion, retirement of capital stock, net
$3,400Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.09%Yield on earning assets
0.76%Cost of funding earning assets
4.33%Net interest margin
0.71%Noninterest income to earning assets
2.46%Noninterest expense to earning assets
1.38%Net operating income to assets
1.39%Return on assets (ROA)
1.93%Pretax return on assets
13.59%Return on equity (ROE)
4.44%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
161.87%Credit loss provision to net charge-offs
7.90%Efficiency ratio
48,692Assets per employee
3.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
67.29%Loss allowance to loans
1.94%Loss allowance to noncurrent loans
77.75%Noncurrent assets plus other real estate owned to assets
2.54%Noncurrent loans to loans
2.49%Net loans and leases to deposits
69.20%Net loans and leases to core deposits
90.62%Equity capital to assets
10.21%Core capital (leverage) ratio
9.98%Tier 1 risk-based capital ratio
15.84%Total risk-based capital ratio
Memoranda
$17Average assets
$363,967Average earning assets
$37,189Average equity
$339,448Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$7,800Managed Assets
1Number of Accounts
$7,800Personal trust and agency accounts
$1,832Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$2,025Investment management agency accounts
$2Other fiduciary accounts
$3,941Fiduciary accounts held in foreign offices
$0Non-managed Assets
56Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

7 Arkansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5566	Citizens' Bank & Trust Co.	3110 Alma Highway, Van Buren, AR 72956	May 01, 1886	Full Service Brick and Mortar
1	218889	Mountainburg Branch	Main Street, Mountainburg, AR 72946	November 26, 1971	Full Service Brick and Mortar
4	218892	North Hills Branch	1519 Fayetteville Road, Van Buren, AR 72956	May 31, 1977	Full Service Brick and Mortar
8	264403	Alma Branch	200 Hwy 71, Alma, AR 72921	January 01, 1920	Full Service Brick and Mortar
9	218895	Northridge Drive Branch	4 Northridge Drive, Van Buren, AR 72956	March 22, 1999	Full Service Brick and Mortar
10	181066	Downtown Branch	617 Broadway Street, Van Buren, AR 72956	September 13, 1994	Full Service Brick and Mortar
11	422490	Internet Banking Branch	3110 Alma Highway, Van Buren, AR 72956	July 01, 2002	Full Service Cyber

Citizens' Bank & Trust Co. in Van Buren, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens' Bank & Trust Co. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens' Bank & Trust Co. in Van Buren, Arkansas (AR)Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens' Bank & Trust Co. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens' Bank & Trust Co. in Van Buren, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches