Citizens Bank & Trust Company in Springhill, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 03, 2011

Citizens Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 17454
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens National Bank, N.A. (#26381)
    Federal Reserve ID: 702751
    Date Established: June 20, 1955
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Interstate: No)
    OTS Docket #: 12899
    FDIC's unique #: 11443
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 20, 1955
    Last Structure Change Effective Date: November 03, 2011
    Last Structure Change Process Date: December 05, 2011
    Last Data Update: December 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 106 South Main Street, Springhill, LA 71075
    County: Webster
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Shreveport-Bossier City, LA (#7680)
    Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
    Core Based Statistical Area (CBSA): Minden, LA (#33380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $173.7 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, 2010)

  • Dollar figures in thousands
  • 64Total employees (full-time equivalent)
  • $154,619Total assets
  • $4,858Cash and due from depository institutions
  • $715Interest-bearing balances
  • $50,270Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,001Net loans & leases
  • $854Loan loss allowance
  • $0Trading account assets
  • $4,660Bank premises and fixed assets
  • $61Other real estate owned
  • $0Goodwill and other intangibles
  • $3,670Life insurance assets
  • $5,769All other assets
  • $154,619Total liabilities and capital
  • $141,321Total liabilities
  • $139,531Total deposits
  • $108,786Interest-bearing deposits
  • $139,531Deposits held in domestic offices
  • 91.65%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,790All other liabilities
  • $13,298Total equity capital
  • $13,298Total bank equity capital
  • $13,298Perpetual preferred stock
  • $0Common stock
  • $258Surplus
  • $5,242Undivided profits
  • Memoranda
  • $7,798Noncurrent loans and leases
  • $12,320Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $562Earning assets
  • $9Long-term assets (5+ years)
  • $767Average Assets, year-to-date
  • $139,986Average Assets, quarterly
  • $30,472Volatile liabilities
  • $153,323Insider loans
  • $154,214FHLB advances
  • $32,459Loans and leases held for sale
  • $5,089Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,320Total unused commitments
  • $0Restructured Loans and leases
  • $854Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $7,165Total interest income
  • $1,305Total interest expense
  • $5,860Net interest income
  • $240Provision for loan and lease losses
  • $1,622Total noninterest income
  • $0Fiduciary activities
  • $887Service charges on deposit accounts
  • $0Trading account gains & fees
  • $735Additional noninterest income
  • $5,640Total noninterest expense
  • $3,300Salaries and employee benefits
  • $629Premises and equipment expense
  • $1,711Additional noninterest expense
  • $1,602Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,602Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,602Net income attributable to bank
  • $0Net charge-offs
  • $1,602Cash dividends
  • $20Sale, conversion, retirement of capital stock, net
  • $495Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 4.24%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 4.08%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 12.69%Return on equity (ROE)
  • 8.77%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1200.00%Credit loss provision to net charge-offs
  • 92.10%Efficiency ratio
  • 75,381Assets per employee
  • 2.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.90%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 151.96%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 63.79%Net loans and leases to core deposits
  • 83.12%Equity capital to assets
  • 8.60%Core capital (leverage) ratio
  • 8.06%Tier 1 risk-based capital ratio
  • 12.17%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $153,323Average earning assets
  • $12,619Average equity
  • $138,262Average loans

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