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

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