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


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
  • 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

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

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens' Bank & Trust Co..
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