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

  • 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
    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
  • 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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