Citizens Bank & Trust Co. in Marks, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Citizens Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 9777
    Status: Active
    Federal Reserve ID: 729945
    Bank Holding Company (Regulatory Top Holder): Cb&T Bancshares, Inc. (RSSDID: 2605249, Location: Marks, MS)
    Date Established: August 17, 1917
    WWW: http://www.cbt-co.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 16066
    FDIC's unique #: 6260
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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: 239 East Main St, Marks, MS 38646
    County: Quitman
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.1 mil
    Equity capital: $12.3 mil
    Deposits held in domestic offices: $104.8 mil
    Return on assets (ROA): 0.23% ($0.3 mil)
    Quarterly return on assets: 0.69% ($0.9 mil)
    Return on Equity (ROE): 2.27% ($0.3 mil)
    Quarterly return on equity: 6.83% ($0.8 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.23% ($285.4 mil)
    Quarterly Pretax return on assets: 0.69% ($856.2 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
  • 37Total employees (full-time equivalent)
  • $124,083Total assets
  • $1,957Cash and due from depository institutions
  • $118Interest-bearing balances
  • $24,935Securities
  • $19,100Federal funds sold & reverse repurchase agreements
  • $66,664Net loans & leases
  • $800Loan loss allowance
  • $0Trading account assets
  • $1,640Bank premises and fixed assets
  • $2,475Other real estate owned
  • $0Goodwill and other intangibles
  • $124,083Life insurance assets
  • $7,312All other assets
  • $111,760Total liabilities and capital
  • $104,795Total liabilities
  • $79,649Total deposits
  • $104,795Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,502Trading liabilities
  • $0Other borrowed funds
  • $1,463Subordinated debt
  • $12,323All other liabilities
  • $12,323Total equity capital
  • $12,323Total bank equity capital
  • $0Perpetual preferred stock
  • $513Common stock
  • $9,748Surplus
  • $2,062Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,371Income earned, not collected on loans
  • $0Earning assets
  • $1,264Long-term assets (5+ years)
  • $110,817Average Assets, year-to-date
  • $23,693Average Assets, quarterly
  • $120,464Volatile liabilities
  • $121,358Insider loans
  • $105,688FHLB advances
  • $121,383Loans and leases held for sale
  • $4,654Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,173Tier 2 risk-based capital
  • $4,654Total risk weighted assets
  • $0Total unused commitments
  • $13,679Restructured Loans and leases
  • $8,625Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,117Total interest income
  • $932Total interest expense
  • $4,185Net interest income
  • $313Provision for loan and lease losses
  • $877Total noninterest income
  • $0Fiduciary activities
  • $852Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25Additional noninterest income
  • $4,005Total noninterest expense
  • $2,061Salaries and employee benefits
  • $587Premises and equipment expense
  • $1,357Additional noninterest expense
  • $744Pre-tax net operating income
  • -$468Securities gains (losses)
  • $0Applicable income taxes
  • $276Income before extraordinary items
  • $0Extraordinary gains - net
  • $276Net income attributable to bank
  • $0Net charge-offs
  • $276Cash dividends
  • $276Sale, conversion, retirement of capital stock, net
  • $250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.78%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.23%Pretax return on assets
  • 2.27%Return on equity (ROE)
  • 0.21%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 113.41%Credit loss provision to net charge-offs
  • 3.83%Efficiency ratio
  • 79,119Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.58%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 58.35%Noncurrent assets plus other real estate owned to assets
  • 7.36%Noncurrent loans to loans
  • 2.03%Net loans and leases to deposits
  • 63.61%Net loans and leases to core deposits
  • 69.99%Equity capital to assets
  • 9.93%Core capital (leverage) ratio
  • 10.03%Tier 1 risk-based capital ratio
  • 11.52%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $120,464Average earning assets
  • $12,155Average equity
  • $105,949Average 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
  • $1,492Managed Assets
  • 1Number of Accounts
  • $217Personal trust and agency accounts
  • $217Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 5Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,275Other retirement accounts
  • $1,275Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06260Citizens Bank & Trust Co.239 East Main St, Marks, MS 38646August 17, 1917Full Service Brick and Mortar
    312349Tunica BranchMain Street, Tunica, MS 38676November 01, 1961Full Service Brick and Mortar
    5445620Walls Branch6851 Highway 301, Walls, MS 38680October 03, 2005Full Service Brick and Mortar

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