Citizens Community Bank in Mascoutah, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Community Bank - Overview

  • General
  • FDIC Certificate #: 33753
    Status: Active
    Federal Reserve ID: 2007991
    Bank Holding Company (Regulatory Top Holder): Citizens Bancorporation, Inc. (RSSDID: 2550143, Location: Mascoutah, IL)
    Date Established: December 21, 1992
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 15784
    FDIC's unique #: 47963
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 21, 1992
    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: 9 East Main Street, Mascoutah, IL 62258
    County: St. Clair
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $285.0 mil
    Equity capital: $25.6 mil
    Deposits held in domestic offices: $246.8 mil
    Return on assets (ROA): 0.85% ($2.4 mil)
    Quarterly return on assets: 0.87% ($2.5 mil)
    Return on Equity (ROE): 9.64% ($2.5 mil)
    Quarterly return on equity: 9.64% ($2.5 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.33% ($3,790.4 mil)
    Quarterly Pretax return on assets: 1.27% ($3,619.4 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
  • 44Total employees (full-time equivalent)
  • $284,996Total assets
  • $6,173Cash and due from depository institutions
  • $1,689Interest-bearing balances
  • $93,519Securities
  • $72Federal funds sold & reverse repurchase agreements
  • $167,037Net loans & leases
  • $2,867Loan loss allowance
  • $0Trading account assets
  • $1,442Bank premises and fixed assets
  • $434Other real estate owned
  • $0Goodwill and other intangibles
  • $284,996Life insurance assets
  • $16,319All other assets
  • $259,360Total liabilities and capital
  • $246,803Total liabilities
  • $224,087Total deposits
  • $246,803Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 9820.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,737Subordinated debt
  • $25,636All other liabilities
  • $25,636Total equity capital
  • $25,636Total bank equity capital
  • $0Perpetual preferred stock
  • $1,842Common stock
  • $2,838Surplus
  • $20,956Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,292Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,389Income earned, not collected on loans
  • $0Earning assets
  • $1,740Long-term assets (5+ years)
  • $262,317Average Assets, year-to-date
  • $98,517Average Assets, quarterly
  • $273,612Volatile liabilities
  • $282,162Insider loans
  • $169,533FHLB advances
  • $282,643Loans and leases held for sale
  • $4,238Unused loan commitments
  • $4,238Tier 1 (core) risk-based capital
  • $25,466Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,113Restructured Loans and leases
  • $4,641Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,010Total interest income
  • $4,023Total interest expense
  • $7,987Net interest income
  • $495Provision for loan and lease losses
  • $305Total noninterest income
  • $0Fiduciary activities
  • $362Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$57Additional noninterest income
  • $4,171Total noninterest expense
  • $2,489Salaries and employee benefits
  • $263Premises and equipment expense
  • $1,419Additional noninterest expense
  • $3,626Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,287Applicable income taxes
  • $2,339Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,339Net income attributable to bank
  • $0Net charge-offs
  • $2,339Cash dividends
  • $674Sale, conversion, retirement of capital stock, net
  • $210Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 1.61%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 1.67%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 9.64%Return on equity (ROE)
  • 8.78%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 73.44%Credit loss provision to net charge-offs
  • 6.11%Efficiency ratio
  • 50,301Assets per employee
  • 6.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.98%Loss allowance to loans
  • 1.69%Loss allowance to noncurrent loans
  • 206.41%Noncurrent assets plus other real estate owned to assets
  • 0.64%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 67.68%Net loans and leases to core deposits
  • 80.40%Equity capital to assets
  • 9.00%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 15.02%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $273,612Average earning assets
  • $24,253Average equity
  • $249,998Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    047963Citizens Community Bank9 East Main Street, Mascoutah, IL 62258December 21, 1992Full Service Brick and Mortar
    1289853Freeburg Branch620 North State Street, Freeburg, IL 62243March 29, 1993Full Service Brick and Mortar
    2289854New Athens Branch704 New Baldwin Road, New Athens, IL 62264May 01, 1997Full Service Brick and Mortar
    3289855Freeburg Branch311 South State, Freeburg, IL 62243June 30, 1999Full Service Brick and Mortar

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