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

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Citizens Bank and Trust Company of Ardmore
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)57
Total assets$185,553
Cash and due from depository institutions$11,669
Interest-bearing balances$5,755
Securities$69,957
Federal funds sold & reverse repurchase agreements$1,923
Net loans & leases$90,662
Loan loss allowance $912
Trading account assets$0
Bank premises and fixed assets$3,531
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$7,811
Life insurance assets$185,553
Total liabilities and capital$167,136
Total liabilities$149,742
Total deposits$112,210
Interest-bearing deposits$149,742
Deposits held in domestic offices$83
% insured (estimated)12847.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $2,547
All other liabilities $18,417
Total equity capital$18,417
Total bank equity capital$18,417
Perpetual preferred stock$0
Common stock$1,387
Surplus$2,029
Undivided profits $15,001
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $239
Earning assets $0
Long-term assets (5+ years) $871
Average Assets, year-to-date $168,297
Average Assets, quarterly $43,699
Volatile liabilities $187,851
Insider loans $185,282
FHLB advances $110,796
Loans and leases held for sale $186,789
Unused loan commitments $4,971
Tier 1 (core) risk-based capital $3,006
Tier 2 risk-based capital $17,486
Total risk weighted assets $0
Total unused commitments $1,965
Restructured Loans and leases $11,653
Derivatives$1,068
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,343
Total interest expense $876
Net interest income $6,467
Provision for loan and lease losses $65
Total noninterest income $1,929
Fiduciary activities $397
Service charges on deposit accounts $834
Trading account gains & fees $0
Additional noninterest income $698
Total noninterest expense $6,126
Salaries and employee benefits $3,964
Premises and equipment expense $657
Additional noninterest expense $1,505
Pre-tax net operating income $2,205
Securities gains (losses) $4
Applicable income taxes $0
Income before extraordinary items $2,209
Extraordinary gains - net $0
Net income attributable to bank $2,209
Net charge-offs $0
Cash dividends $2,209
Sale, conversion, retirement of capital stock, net $51
Net operating income $1,637
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.30%
Cost of funding earning assets 0.51%
Net interest margin 3.79%
Noninterest income to earning assets 1.13%
Noninterest expense to earning assets 3.59%
Net operating income to assets 1.17%
Return on assets (ROA) 1.18%
Pretax return on assets 1.18%
Return on equity (ROE) 12.18%
Retained earnings to average equity (YTD only) 3.15%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 127.45%
Efficiency ratio44.51%
Assets per employee$72,963
Cash dividends to net income (YTD only)3.26%
Condition Ratios (%)
Loss allowance to loans 74.11%
Loss allowance to noncurrent loans 1.00%
Noncurrent assets plus other real estate owned to assets 381.59%
Noncurrent loans to loans 0.13%
Net loans and leases to deposits0.26%
Net loans and leases to core deposits 60.55%
Equity capital to assets 67.42%
Core capital (leverage) ratio 9.93%
Tier 1 risk-based capital ratio 9.36%
Total risk-based capital ratio 15.78%
Memoranda
Average assets$17
Average earning assets$187,851
Average equity $18,137
Average loans $170,838
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$230,889
Number of Accounts1
Personal trust and agency accounts$58,517
Employee benefit-defined contribution accounts$24,540
Employee benefit-defined benefit accounts$5,162
Other retirement accounts$0
Corporate trust and agency accounts$465
Investment management agency accounts$0
Other fiduciary accounts$8,279
Fiduciary accounts held in foreign offices$20,071
Non-managed Assets$0
Number of Accounts94
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$172,372
Corporate trust and agency accounts$2,935
Other fiduciary accounts$8,102
Fiduciary accounts held in foreign offices$0
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4 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
015858Citizens Bank And Trust Company Of A1100 North Commerce, Ardmore, OK 73401September 18, 1978Full Service Brick and Mortar
1255168Highway 199 And 177 BranchHighway 199 And 177, Dickson, OK 73401March 27, 1995Full Service Brick and Mortar
2255169Downtown Branch10 West Main, Ardmore, OK 73401November 06, 1991Full Service Brick and Mortar
3255170Wal Mart Branch1715 North Commerce, Ardmore, OK 73401October 02, 1995Full Service Brick and Mortar
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