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

This bank is inactive as of Febuary 26, 1994

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

The Citizens Bank - Overview

  • General
  • FDIC Certificate #: 18006
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Peoples Bank & Trust Company (#860)
    Federal Reserve ID: 469139
    Date Established: June 05, 1959
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 11936
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 05, 1959
    Last Structure Change Effective Date: Febuary 26, 1994
    Last Structure Change Process Date: March 30, 1994
    Last Data Update: March 30, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 148 East Main Street, Prattville, AL 36067
    County: Autauga
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Montgomery, AL (#5240)
    Combined Statistical Area (CSA): Montgomery-Alexander City, AL (#388)
    Core Based Statistical Area (CBSA): Montgomery, AL (#33860)
    CBSA Metro Statistical Area: Montgomery, AL (#33860)
  • Financial Summary
  • Total assets: $51.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $30Total assets
  • $51,143Cash and due from depository institutions
  • $2,386Interest-bearing balances
  • $0Securities
  • $33,120Federal funds sold & reverse repurchase agreements
  • $1,950Net loans & leases
  • $12,355Loan loss allowance
  • $196Trading account assets
  • $0Bank premises and fixed assets
  • $633Other real estate owned
  • $0Goodwill and other intangibles
  • $699Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $51,143Total liabilities
  • $45,120Total deposits
  • $44,883Interest-bearing deposits
  • $39,480Deposits held in domestic offices
  • 44883.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $67Subordinated debt
  • $0All other liabilities
  • $170Total equity capital
  • $170Total bank equity capital
  • $6,023Perpetual preferred stock
  • $0Common stock
  • $325Surplus
  • $325Undivided profits
  • Memoranda
  • $5,373Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $164Income earned, not collected on loans
  • $73Earning assets
  • $47,425Long-term assets (5+ years)
  • $8,515Average Assets, year-to-date
  • $50,308Average Assets, quarterly
  • $52,069Volatile liabilities
  • $1,382Insider loans
  • $219FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $719Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,023Total risk weighted assets
  • $21,396Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,553Total interest expense
  • $1,672Net interest income
  • $1,881Provision for loan and lease losses
  • $44Total noninterest income
  • $456Fiduciary activities
  • $0Service charges on deposit accounts
  • $379Trading account gains & fees
  • $0Additional noninterest income
  • $77Total noninterest expense
  • $1,489Salaries and employee benefits
  • $953Premises and equipment expense
  • $151Additional noninterest expense
  • $385Pre-tax net operating income
  • $804Securities gains (losses)
  • $76Applicable income taxes
  • $254Income before extraordinary items
  • $626Extraordinary gains - net
  • $0Net income attributable to bank
  • $626Net charge-offs
  • $36Cash dividends
  • $210Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.65%Cost of funding earning assets
  • 3.60%Net interest margin
  • 4.05%Noninterest income to earning assets
  • 0.98%Noninterest expense to earning assets
  • 3.21%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 1.75%Return on equity (ROE)
  • 10.71%Retained earnings to average equity (YTD only)
  • 7.11%Net charge-offs to loans
  • 0.30%Credit loss provision to net charge-offs
  • 122.22%Efficiency ratio
  • 63,714Assets per employee
  • 1.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.55%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 119.51%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 27.53%Net loans and leases to core deposits
  • 28.36%Equity capital to assets
  • 11.78%Core capital (leverage) ratio
  • 11.30%Tier 1 risk-based capital ratio
  • 28.15%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $50,308Average earning assets
  • $5,847Average equity
  • $46,445Average loans

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