Citizens' Bank & Trust Co. in Van Buren, Arkansas (AR)

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Citizens' Bank & Trust Co. routing number info

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Citizens' Bank & Trust Co.
GeneralFDIC 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
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)107
Total assets$368,670
Cash and due from depository institutions$18,242
Interest-bearing balances$13,494
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$223,464
Loan loss allowance $4,413
Trading account assets$0
Bank premises and fixed assets$4,098
Other real estate owned$3,676
Goodwill and other intangibles$477
All other assets$11,486
Life insurance assets$368,670
Total liabilities and capital$331,030
Total liabilities$322,905
Total deposits$280,537
Interest-bearing deposits$322,905
Deposits held in domestic offices$83
% insured (estimated)4001.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,914
Other borrowed funds $0
Subordinated debt $2,210
All other liabilities $37,640
Total equity capital$37,640
Total bank equity capital$37,640
Perpetual preferred stock$0
Common stock$400
Undivided profits $35,140
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,652
Income earned, not collected on loans $5,676
Earning assets $0
Long-term assets (5+ years) $2,066
Average Assets, year-to-date $344,185
Average Assets, quarterly $58,461
Volatile liabilities $363,967
Insider loans $364,930
FHLB advances $230,694
Loans and leases held for sale $366,013
Unused loan commitments $2,940
Tier 1 (core) risk-based capital $2,940
Tier 2 risk-based capital $36,531
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $22,010
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,293
Total interest expense $2,583
Net interest income $14,710
Provision for loan and lease losses $1,800
Total noninterest income $2,412
Fiduciary activities $60
Service charges on deposit accounts $1,640
Trading account gains & fees $0
Additional noninterest income $712
Total noninterest expense $8,337
Salaries and employee benefits $5,424
Premises and equipment expense $866
Additional noninterest expense $2,047
Pre-tax net operating income $6,985
Securities gains (losses) $24
Applicable income taxes $1,956
Income before extraordinary items $5,053
Extraordinary gains - net $0
Net income attributable to bank $5,053
Net charge-offs $0
Cash dividends $5,053
Sale, conversion, retirement of capital stock, net $1,112
Net operating income $3,400
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.09%
Cost of funding earning assets 0.76%
Net interest margin 4.33%
Noninterest income to earning assets 0.71%
Noninterest expense to earning assets 2.46%
Net operating income to assets 1.38%
Return on assets (ROA) 1.39%
Pretax return on assets 1.93%
Return on equity (ROE) 13.59%
Retained earnings to average equity (YTD only) 4.44%
Net charge-offs to loans 0.48%
Credit loss provision to net charge-offs 161.87%
Efficiency ratio7.90%
Assets per employee$48,692
Cash dividends to net income (YTD only)3.45%
Condition Ratios (%)
Loss allowance to loans 67.29%
Loss allowance to noncurrent loans 1.94%
Noncurrent assets plus other real estate owned to assets 77.75%
Noncurrent loans to loans 2.54%
Net loans and leases to deposits2.49%
Net loans and leases to core deposits 69.20%
Equity capital to assets 90.62%
Core capital (leverage) ratio 10.21%
Tier 1 risk-based capital ratio 9.98%
Total risk-based capital ratio 15.84%
Average assets$17
Average earning assets$363,967
Average equity $37,189
Average loans $339,448
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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$7,800
Number of Accounts1
Personal trust and agency accounts$7,800
Employee benefit-defined contribution accounts$1,832
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$2,025
Other fiduciary accounts$2
Fiduciary accounts held in foreign offices$3,941
Non-managed Assets$0
Number of Accounts56
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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7 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05566Citizens' Bank & Trust Co.3110 Alma Highway, Van Buren, AR 72956May 01, 1886Full Service Brick and Mortar
1218889Mountainburg BranchMain Street, Mountainburg, AR 72946November 26, 1971Full Service Brick and Mortar
4218892North Hills Branch1519 Fayetteville Road, Van Buren, AR 72956May 31, 1977Full Service Brick and Mortar
8264403Alma Branch200 Hwy 71, Alma, AR 72921January 01, 1920Full Service Brick and Mortar
9218895Northridge Drive Branch4 Northridge Drive, Van Buren, AR 72956March 22, 1999Full Service Brick and Mortar
10181066Downtown Branch617 Broadway Street, Van Buren, AR 72956September 13, 1994Full Service Brick and Mortar
11422490Internet Banking Branch3110 Alma Highway, Van Buren, AR 72956July 01, 2002Full Service Cyber
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