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


The Citizens Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.tcbgeneva.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 25Total employees (full-time equivalent)
  • $168,611Total assets
  • $5,943Cash and due from depository institutions
  • $509Interest-bearing balances
  • $114,586Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,574Net loans & leases
  • $1,183Loan loss allowance
  • $0Trading account assets
  • $494Bank premises and fixed assets
  • $950Other real estate owned
  • $0Goodwill and other intangibles
  • $168,611Life insurance assets
  • $2,064All other assets
  • $141,318Total liabilities and capital
  • $140,703Total liabilities
  • $131,003Total deposits
  • $140,703Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $615Subordinated debt
  • $27,293All other liabilities
  • $27,293Total equity capital
  • $27,293Total bank equity capital
  • $0Perpetual preferred stock
  • $444Common stock
  • $1,000Surplus
  • $25,849Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $947Income earned, not collected on loans
  • $0Earning assets
  • $1,398Long-term assets (5+ years)
  • $159,669Average Assets, year-to-date
  • $122,315Average Assets, quarterly
  • $169,504Volatile liabilities
  • $169,321Insider loans
  • $64,349FHLB advances
  • $170,167Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,034Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,056Restructured Loans and leases
  • $110Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,697Total interest income
  • $2,204Total interest expense
  • $5,493Net interest income
  • $1,565Provision for loan and lease losses
  • $626Total noninterest income
  • $0Fiduciary activities
  • $376Service charges on deposit accounts
  • $0Trading account gains & fees
  • $250Additional noninterest income
  • $2,750Total noninterest expense
  • $1,166Salaries and employee benefits
  • $217Premises and equipment expense
  • $1,367Additional noninterest expense
  • $1,804Pre-tax net operating income
  • $22Securities gains (losses)
  • $341Applicable income taxes
  • $1,485Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,485Net income attributable to bank
  • $0Net charge-offs
  • $1,485Cash dividends
  • $1,697Sale, conversion, retirement of capital stock, net
  • $665Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 1.72%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 5.51%Return on equity (ROE)
  • 3.04%Retained earnings to average equity (YTD only)
  • 3.44%Net charge-offs to loans
  • 92.22%Credit loss provision to net charge-offs
  • 1.99%Efficiency ratio
  • 44,942Assets per employee
  • 6.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.78%Loss allowance to loans
  • 2.59%Loss allowance to noncurrent loans
  • 124.92%Noncurrent assets plus other real estate owned to assets
  • 1.41%Noncurrent loans to loans
  • 2.07%Net loans and leases to deposits
  • 31.68%Net loans and leases to core deposits
  • 33.55%Equity capital to assets
  • 16.19%Core capital (leverage) ratio
  • 15.89%Tier 1 risk-based capital ratio
  • 42.01%Total risk-based capital ratio
  • Memoranda
  • $43Average assets
  • $169,504Average earning assets
  • $26,954Average equity
  • $159,700Average loans

List of branches

  • 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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