Citizens Banking Company in Anderson, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 10, 1995

  • Citizens Banking Company in Anderson, Indiana (IN)
  • Show street view No street view available for this location

Citizens Banking Company - Overview

  • General
  • FDIC Certificate #: 5778
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Society National Bank, Indiana (#4336)
    Federal Reserve ID: 620846
    Date Established: January 01, 1931
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    OTS Docket #: 9796
    FDIC's unique #: 3940
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 10, 1995
    Last Structure Change Process Date: March 27, 1995
    Last Data Update: March 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 800 Main Street, Anderson, IN 46015
    County: Madison
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Indianapolis, IN (#3480)
    Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
    Core Based Statistical Area (CBSA): Anderson, IN (#11300)
    CBSA Metro Statistical Area: Anderson, IN (#11300)
  • Financial Summary
  • Total assets: $364.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $147Total assets
  • $364,354Cash and due from depository institutions
  • $12,134Interest-bearing balances
  • $23Securities
  • $64,472Federal funds sold & reverse repurchase agreements
  • $1,000Net loans & leases
  • $238,212Loan loss allowance
  • $3,341Trading account assets
  • $0Bank premises and fixed assets
  • $3,528Other real estate owned
  • $333Goodwill and other intangibles
  • $9,742Life insurance assets
  • $34,933All other assets
  • $0Total liabilities and capital
  • $364,354Total liabilities
  • $314,998Total deposits
  • $289,807Interest-bearing deposits
  • $261,390Deposits held in domestic offices
  • 289807.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $15,874Trading liabilities
  • $0Other borrowed funds
  • $3,200Subordinated debt
  • $500All other liabilities
  • $5,617Total equity capital
  • $5,617Total bank equity capital
  • $49,356Perpetual preferred stock
  • $0Common stock
  • $461Surplus
  • $48,918Undivided profits
  • Memoranda
  • $-23Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $701Income earned, not collected on loans
  • $1,579Earning assets
  • $303,707Long-term assets (5+ years)
  • $57,518Average Assets, year-to-date
  • $351,811Average Assets, quarterly
  • $357,219Volatile liabilities
  • $34,857Insider loans
  • $184FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $21,080Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,446Total risk weighted assets
  • $196,898Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $22,590Total interest expense
  • $9,813Net interest income
  • $12,777Provision for loan and lease losses
  • $530Total noninterest income
  • $2,567Fiduciary activities
  • $484Service charges on deposit accounts
  • $1,223Trading account gains & fees
  • $0Additional noninterest income
  • $860Total noninterest expense
  • $9,710Salaries and employee benefits
  • $4,192Premises and equipment expense
  • $1,373Additional noninterest expense
  • $4,145Pre-tax net operating income
  • $5,104Securities gains (losses)
  • $0Applicable income taxes
  • $1,494Income before extraordinary items
  • $3,610Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,610Net charge-offs
  • $306Cash dividends
  • $1,363Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.11%Cost of funding earning assets
  • 3.09%Net interest margin
  • 4.02%Noninterest income to earning assets
  • 0.81%Noninterest expense to earning assets
  • 3.06%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 1.45%Return on equity (ROE)
  • 12.77%Retained earnings to average equity (YTD only)
  • 7.95%Net charge-offs to loans
  • 0.12%Credit loss provision to net charge-offs
  • 173.20%Efficiency ratio
  • 60,545Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.76%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 476.60%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.29%Net loans and leases to deposits
  • 82.20%Net loans and leases to core deposits
  • 87.96%Equity capital to assets
  • 13.55%Core capital (leverage) ratio
  • 4.57%Tier 1 risk-based capital ratio
  • 7.34%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $351,811Average earning assets
  • $28,274Average equity
  • $317,600Average loans

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


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens Banking Company.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents