The Citizens Bank in Nashville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Citizens Bank in Nashville, Georgia (GA)
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The Citizens Bank - Overview

  • General
  • FDIC Certificate #: 15934
    Status: Active
    Federal Reserve ID: 809539
    Bank Holding Company (Regulatory Top Holder): Nashville Holding Company, The (RSSDID: 1134050, Location: Nashville, GA)
    Date Established: November 05, 1941
    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 #: 14451
    FDIC's unique #: 10166
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: April 15, 1943
    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: 301 South Davis Street, Nashville, GA 31639
    County: Berrien
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $287.3 mil
    Equity capital: $26.4 mil
    Deposits held in domestic offices: $257.5 mil
    Return on assets (ROA): -0.49% (-$1.4 mil)
    Quarterly return on assets: -0.36% (-$1.0 mil)
    Return on Equity (ROE): -5.22% (-$1.4 mil)
    Quarterly return on equity: -3.91% (-$1.0 mil)
    Net income: -$1.4 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: -0.49% (-$1,407.8 mil)
    Quarterly Pretax return on assets: -0.36% (-$1,034.3 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
  • 60Total employees (full-time equivalent)
  • $287,297Total assets
  • $27,080Cash and due from depository institutions
  • $13,644Interest-bearing balances
  • $29,764Securities
  • $11,120Federal funds sold & reverse repurchase agreements
  • $194,988Net loans & leases
  • $4,279Loan loss allowance
  • $0Trading account assets
  • $3,639Bank premises and fixed assets
  • $9,929Other real estate owned
  • $0Goodwill and other intangibles
  • $287,297Life insurance assets
  • $10,777All other assets
  • $260,861Total liabilities and capital
  • $257,512Total liabilities
  • $231,017Total deposits
  • $257,512Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $1,349Subordinated debt
  • $26,436All other liabilities
  • $26,436Total equity capital
  • $26,436Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $5,625Surplus
  • $20,436Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,893Income earned, not collected on loans
  • $0Earning assets
  • $1,855Long-term assets (5+ years)
  • $249,516Average Assets, year-to-date
  • $3,379Average Assets, quarterly
  • $286,955Volatile liabilities
  • $286,952Insider loans
  • $200,293FHLB advances
  • $288,031Loans and leases held for sale
  • $21Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,433Tier 2 risk-based capital
  • $21Total risk weighted assets
  • $0Total unused commitments
  • $9,287Restructured Loans and leases
  • $2,661Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,499Total interest income
  • $3,840Total interest expense
  • $8,659Net interest income
  • $3,894Provision for loan and lease losses
  • $277Total noninterest income
  • $0Fiduciary activities
  • $878Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$601Additional noninterest income
  • $6,457Total noninterest expense
  • $2,580Salaries and employee benefits
  • $467Premises and equipment expense
  • $3,410Additional noninterest expense
  • -$1,415Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$1,415Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,415Net income attributable to bank
  • $0Net charge-offs
  • -$1,415Cash dividends
  • $3,708Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.54%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.11%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • -0.49%Net operating income to assets
  • -0.49%Return on assets (ROA)
  • -0.49%Pretax return on assets
  • -5.22%Return on equity (ROE)
  • -5.22%Retained earnings to average equity (YTD only)
  • 1.80%Net charge-offs to loans
  • 105.02%Credit loss provision to net charge-offs
  • 0.67%Efficiency ratio
  • 72,258Assets per employee
  • 4.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 48.12%Noncurrent assets plus other real estate owned to assets
  • 6.55%Noncurrent loans to loans
  • 4.46%Net loans and leases to deposits
  • 75.72%Net loans and leases to core deposits
  • 89.38%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 9.18%Tier 1 risk-based capital ratio
  • 13.20%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $286,955Average earning assets
  • $27,093Average equity
  • $248,873Average loans

List of branches

  • 4 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010166The Citizens Bank301 South Davis Street, Nashville, GA 31639November 05, 1941Full Service Brick and Mortar
    117703Ray City BranchEllen And Main Streets, Ray City, GA 31645Febuary 02, 1948Full Service Brick and Mortar
    2420245Bemiss Branch4060 Bemiss Road, Valdosta, GA 31605April 17, 2003Full Service Brick and Mortar
    33867The Citizens Bank Branch101 North Hutchinson Avenue, Adel, GA 31620March 01, 1929Full Service Brick and Mortar

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