The Citizens Bank in Moulton, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 06, 2008

  • The Citizens Bank in Moulton, Alabama (AL)
  • Show street view No street view available for this location

The Citizens Bank - Overview

  • General
  • FDIC Certificate #: 1739
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank Independent (#16604)
    Federal Reserve ID: 555238
    Date Established: January 01, 1912
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 14096
    FDIC's unique #: 1151
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 06, 2008
    Last Structure Change Process Date: December 30, 2008
    Last Data Update: December 30, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 118 South Market Street, Moulton, AL 35650
    County: Lawrence
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Decatur, AL (#2030)
    Combined Statistical Area (CSA): Huntsville-Decatur, AL (#290)
    Core Based Statistical Area (CBSA): Decatur, AL (#19460)
    CBSA Metro Statistical Area: Decatur, AL (#19460)
  • Financial Summary
  • Total assets: $100.7 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, 2007)

  • Dollar figures in thousands
  • 40Total employees (full-time equivalent)
  • $106,463Total assets
  • $10,069Cash and due from depository institutions
  • $4,374Interest-bearing balances
  • $36,059Securities
  • $11,260Federal funds sold & reverse repurchase agreements
  • $42,803Net loans & leases
  • $1,021Loan loss allowance
  • $0Trading account assets
  • $1,415Bank premises and fixed assets
  • $476Other real estate owned
  • $0Goodwill and other intangibles
  • $2,696Life insurance assets
  • $4,381All other assets
  • $106,463Total liabilities and capital
  • $91,036Total liabilities
  • $90,676Total deposits
  • $68,344Interest-bearing deposits
  • $90,676Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $360All other liabilities
  • $15,427Total equity capital
  • $15,427Total bank equity capital
  • $15,427Perpetual preferred stock
  • $0Common stock
  • $21Surplus
  • $1,088Undivided profits
  • Memoranda
  • $14,318Noncurrent loans and leases
  • $3,832Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $661Earning assets
  • $0Long-term assets (5+ years)
  • $697Average Assets, year-to-date
  • $94,496Average Assets, quarterly
  • $13,465Volatile liabilities
  • $105,847Insider loans
  • $106,287FHLB advances
  • $13,498Loans and leases held for sale
  • $166Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,832Total unused commitments
  • $0Restructured Loans and leases
  • $719Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $6,173Total interest income
  • $2,267Total interest expense
  • $3,906Net interest income
  • $152Provision for loan and lease losses
  • $1,107Total noninterest income
  • $0Fiduciary activities
  • $578Service charges on deposit accounts
  • $0Trading account gains & fees
  • $529Additional noninterest income
  • $3,252Total noninterest expense
  • $1,507Salaries and employee benefits
  • $650Premises and equipment expense
  • $1,095Additional noninterest expense
  • $1,609Pre-tax net operating income
  • -$317Securities gains (losses)
  • $421Applicable income taxes
  • $871Income before extraordinary items
  • $0Extraordinary gains - net
  • $871Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $299Sale, conversion, retirement of capital stock, net
  • $798Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.55%Yield on earning assets
  • 2.40%Cost of funding earning assets
  • 4.14%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 5.78%Return on equity (ROE)
  • 0.48%Retained earnings to average equity (YTD only)
  • 0.70%Net charge-offs to loans
  • 50.84%Credit loss provision to net charge-offs
  • 5.89%Efficiency ratio
  • 64,871Assets per employee
  • 2.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.62%Loss allowance to loans
  • 2.33%Loss allowance to noncurrent loans
  • 154.46%Noncurrent assets plus other real estate owned to assets
  • 1.07%Noncurrent loans to loans
  • 1.51%Net loans and leases to deposits
  • 47.20%Net loans and leases to core deposits
  • 55.46%Equity capital to assets
  • 14.49%Core capital (leverage) ratio
  • 14.71%Tier 1 risk-based capital ratio
  • 27.28%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $105,847Average earning assets
  • $15,082Average equity
  • $94,266Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Citizens Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents