Citizens Bank and Trust Company of Ardmore in city_name, state_name

Citizens Bank and Trust Company of Ardmore in Ardmore, Oklahoma (OK)
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Citizens Bank and Trust Company of Ardmore routing number info

Citizens Bank and Trust Company of Ardmore - Overview

General
FDIC Certificate #: 22717
Status: Active
Federal Reserve ID: 255556
Bank Holding Company (Regulatory Top Holder): Citizens Commerce Corporation (RSSDID: 1064139, Location: Ardmore, OK)
Date Established: September 18, 1978
WWW: http://www.citizensardmore.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 10271
FDIC's unique #: 15858
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: September 18, 1978
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: 1100 North Commerce, Ardmore, OK 73401
County: Carter
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Oklahoma City
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Ardmore, OK (#11620)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $185.6 mil
Equity capital: $18.4 mil
Deposits held in domestic offices: $149.7 mil
Return on assets (ROA): 1.18% ($2.2 mil)
Quarterly return on assets: 1.20% ($2.2 mil)
Return on Equity (ROE): 12.18% ($2.2 mil)
Quarterly return on equity: 11.94% ($2.1 mil)
Net income: $2.2 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.18% ($2,189.5 mil)
Quarterly Pretax return on assets: 1.20% ($2,226.6 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
57Total employees (full-time equivalent)
$185,553Total assets
$11,669Cash and due from depository institutions
$5,755Interest-bearing balances
$69,957Securities
$1,923Federal funds sold & reverse repurchase agreements
$90,662Net loans & leases
$912Loan loss allowance
$0Trading account assets
$3,531Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$185,553Life insurance assets
$7,811All other assets
$167,136Total liabilities and capital
$149,742Total liabilities
$112,210Total deposits
$149,742Interest-bearing deposits
$83Deposits held in domestic offices
12847.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$2,547Subordinated debt
$18,417All other liabilities
$18,417Total equity capital
$18,417Total bank equity capital
$0Perpetual preferred stock
$1,387Common stock
$2,029Surplus
$15,001Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$239Income earned, not collected on loans
$0Earning assets
$871Long-term assets (5+ years)
$168,297Average Assets, year-to-date
$43,699Average Assets, quarterly
$187,851Volatile liabilities
$185,282Insider loans
$110,796FHLB advances
$186,789Loans and leases held for sale
$4,971Unused loan commitments
$3,006Tier 1 (core) risk-based capital
$17,486Tier 2 risk-based capital
$0Total risk weighted assets
$1,965Total unused commitments
$11,653Restructured Loans and leases
$1,068Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,343Total interest income
$876Total interest expense
$6,467Net interest income
$65Provision for loan and lease losses
$1,929Total noninterest income
$397Fiduciary activities
$834Service charges on deposit accounts
$0Trading account gains & fees
$698Additional noninterest income
$6,126Total noninterest expense
$3,964Salaries and employee benefits
$657Premises and equipment expense
$1,505Additional noninterest expense
$2,205Pre-tax net operating income
$4Securities gains (losses)
$0Applicable income taxes
$2,209Income before extraordinary items
$0Extraordinary gains - net
$2,209Net income attributable to bank
$0Net charge-offs
$2,209Cash dividends
$51Sale, conversion, retirement of capital stock, net
$1,637Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.30%Yield on earning assets
0.51%Cost of funding earning assets
3.79%Net interest margin
1.13%Noninterest income to earning assets
3.59%Noninterest expense to earning assets
1.17%Net operating income to assets
1.18%Return on assets (ROA)
1.18%Pretax return on assets
12.18%Return on equity (ROE)
3.15%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
127.45%Credit loss provision to net charge-offs
44.51%Efficiency ratio
72,963Assets per employee
3.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
74.11%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
381.59%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.26%Net loans and leases to deposits
60.55%Net loans and leases to core deposits
67.42%Equity capital to assets
9.93%Core capital (leverage) ratio
9.36%Tier 1 risk-based capital ratio
15.78%Total risk-based capital ratio
Memoranda
$17Average assets
$187,851Average earning assets
$18,137Average equity
$170,838Average 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
$230,889Managed Assets
1Number of Accounts
$58,517Personal trust and agency accounts
$24,540Employee benefit-defined contribution accounts
$5,162Employee benefit-defined benefit accounts
$0Other retirement accounts
$465Corporate trust and agency accounts
$0Investment management agency accounts
$8,279Other fiduciary accounts
$20,071Fiduciary accounts held in foreign offices
$0Non-managed Assets
94Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$172,372Other retirement accounts
$2,935Corporate trust and agency accounts
$8,102Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	15858	Citizens Bank And Trust Company Of A	1100 North Commerce, Ardmore, OK 73401	September 18, 1978	Full Service Brick and Mortar
1	255168	Highway 199 And 177 Branch	Highway 199 And 177, Dickson, OK 73401	March 27, 1995	Full Service Brick and Mortar
2	255169	Downtown Branch	10 West Main, Ardmore, OK 73401	November 06, 1991	Full Service Brick and Mortar
3	255170	Wal Mart Branch	1715 North Commerce, Ardmore, OK 73401	October 02, 1995	Full Service Brick and Mortar

Citizens Bank and Trust Company of Ardmore in Ardmore, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank and Trust Company of Ardmore - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Citizens Bank and Trust Company of Ardmore in Ardmore, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank and Trust Company of Ardmore - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Citizens Bank and Trust Company of Ardmore in Ardmore, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches