Citizens Bank & Trust, Inc. in Trenton, Georgia (GA), AL
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Citizens Bank & Trust, Inc. in Trenton, Georgia (GA), AL
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Citizens Bank & Trust, Inc. - Overview

  • General
  • FDIC Certificate #: 27153
    Status: Active
    Federal Reserve ID: 1163283
    Date Established: January 18, 1988
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: Yes)
    OTS Docket #: 13138
    FDIC's unique #: 38968
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: Febuary 01, 1996
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 12255 South Main Street, Trenton, GA 30752
    County: Dade
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Chattanooga, TN-GA (#1560)
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
    CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $91.4 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $80.3 mil
    Return on assets (ROA): 0.85% ($0.8 mil)
    Quarterly return on assets: 1.34% ($1.2 mil)
    Return on Equity (ROE): 8.72% ($0.8 mil)
    Quarterly return on equity: 13.58% ($1.2 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.26% ($1,152.2 mil)
    Quarterly Pretax return on assets: 1.57% ($1,435.7 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, 2011)

  • Dollar figures in thousands
  • 42Total employees (full-time equivalent)
  • $91,443Total assets
  • $9,072Cash and due from depository institutions
  • $13Interest-bearing balances
  • $16,215Securities
  • $250Federal funds sold & reverse repurchase agreements
  • $59,690Net loans & leases
  • $918Loan loss allowance
  • $0Trading account assets
  • $1,795Bank premises and fixed assets
  • $1,008Other real estate owned
  • $0Goodwill and other intangibles
  • $91,443Life insurance assets
  • $3,413All other assets
  • $82,217Total liabilities and capital
  • $80,339Total liabilities
  • $71,722Total deposits
  • $80,339Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,878Subordinated debt
  • $9,226All other liabilities
  • $9,226Total equity capital
  • $9,226Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $1,281Surplus
  • $6,445Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $775Income earned, not collected on loans
  • $0Earning assets
  • $433Long-term assets (5+ years)
  • $76,168Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $92,178Volatile liabilities
  • $93,355Insider loans
  • $54,568FHLB advances
  • $91,253Loans and leases held for sale
  • $1,830Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,036Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,462Restructured Loans and leases
  • $491Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,724Total interest income
  • $889Total interest expense
  • $3,835Net interest income
  • $521Provision for loan and lease losses
  • $1,160Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,160Additional noninterest income
  • $3,315Total noninterest expense
  • $2,124Salaries and employee benefits
  • $471Premises and equipment expense
  • $720Additional noninterest expense
  • $1,159Pre-tax net operating income
  • $0Securities gains (losses)
  • $376Applicable income taxes
  • $783Income before extraordinary items
  • $0Extraordinary gains - net
  • $783Net income attributable to bank
  • $0Net charge-offs
  • $783Cash dividends
  • $383Sale, conversion, retirement of capital stock, net
  • $270Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.21%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 5.04%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 4.36%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 8.72%Return on equity (ROE)
  • 5.71%Retained earnings to average equity (YTD only)
  • 0.61%Net charge-offs to loans
  • 136.03%Credit loss provision to net charge-offs
  • 4.39%Efficiency ratio
  • 66,366Assets per employee
  • 2.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.48%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 118.45%Noncurrent assets plus other real estate owned to assets
  • 1.95%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 74.30%Net loans and leases to core deposits
  • 75.70%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 9.90%Tier 1 risk-based capital ratio
  • 16.56%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $92,178Average earning assets
  • $8,982Average equity
  • $76,113Average loans

List of branches

  • 1 Alabama Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4261236Sand Mountain Branch29316 Alabama Highway 71, Higdon, AL 35979June 01, 1996Full Service Brick and Mortar
  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    038968Citizens Bank & Trust, Inc.12255 South Main Street, Trenton, GA 30752January 18, 1988Full Service Brick and Mortar
    3261235Lookout Mountain Branch107 Mcfarland Road, Lookout Mountain, GA 30750September 14, 1990Full Service Brick and Mortar
Jandle Holley
I bought stock in bank 30 years ago and have never received any dividends or ever been contacted by the bank in any form about my stock. What is the stock worth on the current market today

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