Citizens Security Bank & Trust Company in Bixby, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens Security Bank & Trust Company in Bixby, Oklahoma (OK)
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Citizens Security Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 10667
    Status: Active
    Federal Reserve ID: 139553
    Bank Holding Company (Regulatory Top Holder): Mabrey Bancorporation, Inc. (RSSDID: 2052777, Location: Okmulgee, OK)
    Date Established: January 26, 1924
    WWW: http://www.citizenssecurity.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 13 (Domestic: 13, Interstate: No)
    FDIC's unique #: 6842
    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: January 01, 1934
    Last Structure Change Effective Date: August 23, 2008
    Last Structure Change Process Date: August 26, 2008
    Last Data Update: August 26, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 14821 South Memorial, Bixby, OK 74008
    County: Tulsa
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
    Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
    Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
    CBSA Metro Statistical Area: Tulsa, OK (#46140)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $637.2 mil
    Equity capital: $53.4 mil
    Deposits held in domestic offices: $569.0 mil
    Return on assets (ROA): 1.19% ($7.6 mil)
    Quarterly return on assets: 1.32% ($8.4 mil)
    Return on Equity (ROE): 14.89% ($7.9 mil)
    Quarterly return on equity: 16.11% ($8.5 mil)
    Net income: $7.7 mil
    Quarterly Net income: $2.1 mil
    Pretax return on assets: 1.19% ($7,583.1 mil)
    Quarterly Pretax return on assets: 1.32% ($8,411.5 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
  • 215Total employees (full-time equivalent)
  • $637,234Total assets
  • $26,998Cash and due from depository institutions
  • $12,270Interest-bearing balances
  • $87,139Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $483,615Net loans & leases
  • $8,329Loan loss allowance
  • $0Trading account assets
  • $29,779Bank premises and fixed assets
  • $590Other real estate owned
  • $79Goodwill and other intangibles
  • $637,234Life insurance assets
  • $9,034All other assets
  • $583,809Total liabilities and capital
  • $569,034Total liabilities
  • $481,118Total deposits
  • $569,034Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,787Trading liabilities
  • $6,000Other borrowed funds
  • $988Subordinated debt
  • $53,425All other liabilities
  • $53,425Total equity capital
  • $53,425Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $20,700Surplus
  • $31,725Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,800Income earned, not collected on loans
  • $85Earning assets
  • $2,602Long-term assets (5+ years)
  • $583,024Average Assets, year-to-date
  • $87,663Average Assets, quarterly
  • $650,362Volatile liabilities
  • $652,016Insider loans
  • $502,305FHLB advances
  • $656,596Loans and leases held for sale
  • $555Unused loan commitments
  • $555Tier 1 (core) risk-based capital
  • $51,983Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $45,359Restructured Loans and leases
  • $1,187Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $31,713Total interest income
  • $3,748Total interest expense
  • $27,965Net interest income
  • $2,977Provision for loan and lease losses
  • $6,445Total noninterest income
  • $5Fiduciary activities
  • $3,505Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,935Additional noninterest income
  • $23,716Total noninterest expense
  • $13,259Salaries and employee benefits
  • $3,885Premises and equipment expense
  • $6,572Additional noninterest expense
  • $7,717Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $7,717Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,717Net income attributable to bank
  • $0Net charge-offs
  • $7,717Cash dividends
  • $2,628Sale, conversion, retirement of capital stock, net
  • $5,350Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.35%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.72%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • 1.19%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 14.89%Return on equity (ROE)
  • 4.57%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 113.28%Credit loss provision to net charge-offs
  • 4.07%Efficiency ratio
  • 68,922Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.33%Loss allowance to loans
  • 1.69%Loss allowance to noncurrent loans
  • 84.99%Noncurrent assets plus other real estate owned to assets
  • 1.63%Noncurrent loans to loans
  • 1.99%Net loans and leases to deposits
  • 84.99%Net loans and leases to core deposits
  • 105.81%Equity capital to assets
  • 8.38%Core capital (leverage) ratio
  • 7.92%Tier 1 risk-based capital ratio
  • 10.35%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $650,362Average earning assets
  • $51,812Average equity
  • $592,453Average 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
  • $3,117Managed Assets
  • 1Number of Accounts
  • $3,117Personal trust and agency accounts
  • $2,073Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,044Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 10Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 13 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06842Citizens Security Bank & Trust Compa14821 South Memorial, Bixby, OK 74008January 26, 1924Full Service Brick and Mortar
    1222866Memorial Branch11402 South Memorial Street, Bixby, OK 74008September 08, 1986Full Service Brick and Mortar
    2222867Glenpool BranchEast 141st Street, Glenpool, OK 74033Febuary 26, 1998Full Service Brick and Mortar
    3432299Broken Arrow Branch3601 West Kenosha, Broken Arrow, OK 74012September 27, 2004Full Service Brick and Mortar
    42729Okmulgee Branch101 East 6th Street, Okmulgee, OK 74447August 12, 1933Full Service Brick and Mortar
    5202354Okmulgee Motor Bank Branch201 East 8th Street, Okmulgee, OK 74447July 01, 1974Full Service Brick and Mortar
    62713Muskogee Branch401 North Main, Muskogee, OK 74401April 13, 1926Full Service Brick and Mortar
    7340740Muskogee Eastside Branch2401 East Hancock, Muskogee, OK 74401June 01, 2000Full Service Brick and Mortar
    102680Haskell Branch202 N Broadway Avenue, Haskell, OK 74436July 31, 1905Full Service Brick and Mortar
    11468924Jenks Branch221 S. Elm, Jenks, OK 74037November 05, 2007Full Service Brick and Mortar
    12469752South Yale Avenue Branch8085 South Yale Avenue, Tulsa, OK 74136December 17, 2007Full Service Brick and Mortar
    136849Wetumka Branch601 South Main Street, Wetumka, OK 74883October 14, 1932Full Service Brick and Mortar
    142773Weleetka Branch102 West 9th Street, Weleetka, OK 74880Febuary 11, 1902Full Service Brick and Mortar

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