The Citizens Bank in Geneva, Alabama (AL)

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The Citizens Bank
GeneralFDIC Certificate #: 59
Status: Active
Federal Reserve ID: 447034
Bank Holding Company (Regulatory Top Holder): Genala Banc, Inc. (RSSDID: 1139961, Location: Geneva, AL)
Date Established: January 01, 1901
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 40
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: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
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: 515 Commerce Street, Geneva, AL 36340
County: Geneva
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
Combined Statistical Area (CSA): Dothan-Enterprise-Ozark, AL (#222)
Core Based Statistical Area (CBSA): Dothan, AL (#20020)
CBSA Metro Statistical Area: Dothan, AL (#20020)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $168.6 mil
Equity capital: $27.3 mil
Deposits held in domestic offices: $140.7 mil
Return on assets (ROA): 0.88% ($1.5 mil)
Quarterly return on assets: 0.83% ($1.4 mil)
Return on Equity (ROE): 5.51% ($1.5 mil)
Quarterly return on equity: 5.13% ($1.4 mil)
Net income: $1.5 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.08% ($1,821.0 mil)
Quarterly Pretax return on assets: 0.64% ($1,079.1 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)25
Total assets$168,611
Cash and due from depository institutions$5,943
Interest-bearing balances$509
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$44,574
Loan loss allowance $1,183
Trading account assets$0
Bank premises and fixed assets$494
Other real estate owned$950
Goodwill and other intangibles$0
All other assets$2,064
Life insurance assets$168,611
Total liabilities and capital$141,318
Total liabilities$140,703
Total deposits$131,003
Interest-bearing deposits$140,703
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $615
All other liabilities $27,293
Total equity capital$27,293
Total bank equity capital$27,293
Perpetual preferred stock$0
Common stock$444
Undivided profits $25,849
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $947
Earning assets $0
Long-term assets (5+ years) $1,398
Average Assets, year-to-date $159,669
Average Assets, quarterly $122,315
Volatile liabilities $169,504
Insider loans $169,321
FHLB advances $64,349
Loans and leases held for sale $170,167
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $27,034
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,056
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,697
Total interest expense $2,204
Net interest income $5,493
Provision for loan and lease losses $1,565
Total noninterest income $626
Fiduciary activities $0
Service charges on deposit accounts $376
Trading account gains & fees $0
Additional noninterest income $250
Total noninterest expense $2,750
Salaries and employee benefits $1,166
Premises and equipment expense $217
Additional noninterest expense $1,367
Pre-tax net operating income $1,804
Securities gains (losses) $22
Applicable income taxes $341
Income before extraordinary items $1,485
Extraordinary gains - net $0
Net income attributable to bank $1,485
Net charge-offs $0
Cash dividends $1,485
Sale, conversion, retirement of capital stock, net $1,697
Net operating income $665
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.82%
Cost of funding earning assets 1.38%
Net interest margin 3.44%
Noninterest income to earning assets 0.39%
Noninterest expense to earning assets 1.72%
Net operating income to assets 0.87%
Return on assets (ROA) 0.88%
Pretax return on assets 1.08%
Return on equity (ROE) 5.51%
Retained earnings to average equity (YTD only) 3.04%
Net charge-offs to loans 3.44%
Credit loss provision to net charge-offs 92.22%
Efficiency ratio1.99%
Assets per employee$44,942
Cash dividends to net income (YTD only)6.74%
Condition Ratios (%)
Loss allowance to loans 44.78%
Loss allowance to noncurrent loans 2.59%
Noncurrent assets plus other real estate owned to assets 124.92%
Noncurrent loans to loans 1.41%
Net loans and leases to deposits2.07%
Net loans and leases to core deposits 31.68%
Equity capital to assets 33.55%
Core capital (leverage) ratio 16.19%
Tier 1 risk-based capital ratio 15.89%
Total risk-based capital ratio 42.01%
Average assets$43
Average earning assets$169,504
Average equity $26,954
Average loans $159,700
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1 Alabama Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
040The Citizens Bank515 Commerce Street, Geneva, AL 36340January 01, 1901Full Service Brick and Mortar
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