The Citizens Bank in Batesville, Arkansas (AR)



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The Citizens Bank routing number info

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The Citizens Bank
GeneralFDIC Certificate #: 17211
Status: Active
Federal Reserve ID: 856748
Bank Holding Company (Regulatory Top Holder): Citizens Bancshares Of Batesville, Inc. (RSSDID: 1131077, Location: Batesville, AR)
Date Established: April 24, 1953
WWW: http://www.thecitizensbank.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 10 (Domestic: 10, Interstate: No)
FDIC's unique #: 11240
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: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 24, 1953
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
LocationAddress: 3rd And College Streets, Batesville, AR 72501
County: Independence
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Little Rock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Batesville, AR (#12900)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $538.2 mil
Equity capital: $55.8 mil
Deposits held in domestic offices: $435.6 mil
Return on assets (ROA): 1.09% ($5.9 mil)
Quarterly return on assets: 0.91% ($4.9 mil)
Return on Equity (ROE): 10.88% ($6.1 mil)
Quarterly return on equity: 8.65% ($4.8 mil)
Net income: $5.8 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.60% ($8,610.5 mil)
Quarterly Pretax return on assets: 1.32% ($7,103.6 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)
Total employees (full-time equivalent)151
Total assets$538,154
Cash and due from depository institutions$9,919
Interest-bearing balances$178
Securities$179,468
Federal funds sold & reverse repurchase agreements$15,900
Net loans & leases$311,472
Loan loss allowance $7,608
Trading account assets$0
Bank premises and fixed assets$8,369
Other real estate owned$1,165
Goodwill and other intangibles$478
All other assets$11,383
Life insurance assets$538,154
Total liabilities and capital$482,321
Total liabilities$435,559
Total deposits$394,975
Interest-bearing deposits$435,559
Deposits held in domestic offices$82
% insured (estimated)15993.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$29,417
Other borrowed funds $0
Subordinated debt $1,352
All other liabilities $55,833
Total equity capital$55,833
Total bank equity capital$55,833
Perpetual preferred stock$0
Common stock$1,650
Surplus$17,237
Undivided profits $36,946
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $480
Income earned, not collected on loans $14,093
Earning assets $0
Long-term assets (5+ years) $3,204
Average Assets, year-to-date $507,018
Average Assets, quarterly $196,154
Volatile liabilities $530,133
Insider loans $534,403
FHLB advances $312,351
Loans and leases held for sale $535,069
Unused loan commitments $297
Tier 1 (core) risk-based capital $297
Tier 2 risk-based capital $53,397
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $25,835
Derivatives$11,755
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $26,589
Total interest expense $6,313
Net interest income $20,276
Provision for loan and lease losses $2,900
Total noninterest income $5,863
Fiduciary activities $479
Service charges on deposit accounts $1,803
Trading account gains & fees $0
Additional noninterest income $3,581
Total noninterest expense $14,726
Salaries and employee benefits $8,062
Premises and equipment expense $1,730
Additional noninterest expense $4,934
Pre-tax net operating income $8,513
Securities gains (losses) -$23
Applicable income taxes $2,705
Income before extraordinary items $5,785
Extraordinary gains - net $0
Net income attributable to bank $5,785
Net charge-offs $0
Cash dividends $5,785
Sale, conversion, retirement of capital stock, net $1,509
Net operating income $2,180
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.36%
Cost of funding earning assets 1.27%
Net interest margin 4.09%
Noninterest income to earning assets 1.18%
Noninterest expense to earning assets 2.97%
Net operating income to assets 1.09%
Return on assets (ROA) 1.09%
Pretax return on assets 1.60%
Return on equity (ROE) 10.88%
Retained earnings to average equity (YTD only) 6.78%
Net charge-offs to loans 0.45%
Credit loss provision to net charge-offs 192.18%
Efficiency ratio7.56%
Assets per employee$56,211
Cash dividends to net income (YTD only)3.56%
Condition Ratios (%)
Loss allowance to loans 37.68%
Loss allowance to noncurrent loans 2.38%
Noncurrent assets plus other real estate owned to assets 53.98%
Noncurrent loans to loans 2.86%
Net loans and leases to deposits4.42%
Net loans and leases to core deposits 71.51%
Equity capital to assets 78.26%
Core capital (leverage) ratio 10.37%
Tier 1 risk-based capital ratio 9.98%
Total risk-based capital ratio 17.10%
Memoranda
Average assets$18
Average earning assets$530,133
Average equity $53,184
Average loans $496,079
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$88,875
Number of Accounts1
Personal trust and agency accounts$71,433
Employee benefit-defined contribution accounts$40,025
Employee benefit-defined benefit accounts$6,923
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$9,736
Other fiduciary accounts$14,749
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts325
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$17,442
Corporate trust and agency accounts$149
Other fiduciary accounts$1,132
Fiduciary accounts held in foreign offices$15,904
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10 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011240The Citizens Bank3rd And College Streets, Batesville, AR 72501April 24, 1953Full Service Brick and Mortar
1241035St Louis Street Branch480 St Louis Street, Batesville, AR 72501June 20, 1974Full Service Brick and Mortar
3241037Airport Branch805 Batesville Blvd, Batesville, AR 72501October 10, 1984Full Service Brick and Mortar
4241038Westside Branch903 North Central Ave, Batesville, AR 72501July 01, 1981Limited Service Facility
5241039Eagle Mountain Branch2 Eagle Mountain Blvd, Batesville, AR 72501August 21, 1989Full Service Brick and Mortar
6241040Motor Bank Branch345 East Boswell Street, Batesville, AR 72503August 21, 1989Limited Service Facility
7241041Pleasant Plains Branch5736 Blackland Road, Pleasant Plains, AR 72568October 03, 1997Full Service Brick and Mortar
8419424Imboden Branch1033 West Third Street, Imboden, AR 72434May 22, 2003Full Service Brick and Mortar
9224210Cave City Branch201 South Main Street, Cave City, AR 72521July 29, 1997Full Service Brick and Mortar
10453599Mountain View Branch411 Sylamore Avenue, Mountain View, AR 72560Febuary 10, 2006Full Service Brick and Mortar
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