The Citizens Bank Company in Beverly, Ohio (OH)



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The Citizens Bank Company routing number info

Table of contents:
The Citizens Bank Company
GeneralFDIC Certificate #: 10266
Status: Active
Federal Reserve ID: 1010015
Bank Holding Company (Regulatory Top Holder): Muskingum Valley Bancshares, Inc. (RSSDID: 1071856, Location: Beverly, OH)
Date Established: January 01, 1863
WWW: http://www.thecitizens.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 6579
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: All Other Specialization < 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: Ullman And Fifth Streets, Beverly, OH 45715
County: Washington
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Parkersburg-Marietta, WV-OH (#6020)
Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620)
CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $94.4 mil
Equity capital: $11.5 mil
Deposits held in domestic offices: $79.9 mil
Return on assets (ROA): 1.05% ($1.0 mil)
Quarterly return on assets: 1.13% ($1.1 mil)
Return on Equity (ROE): 9.05% ($1.0 mil)
Quarterly return on equity: 9.37% ($1.0 mil)
Net income: $1.0 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.30% ($1,226.6 mil)
Quarterly Pretax return on assets: 1.18% ($1,113.4 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)34
Total assets$94,356
Cash and due from depository institutions$3,228
Interest-bearing balances$22
Securities$40,168
Federal funds sold & reverse repurchase agreements$76
Net loans & leases$48,312
Loan loss allowance $594
Trading account assets$0
Bank premises and fixed assets$1,334
Other real estate owned$136
Goodwill and other intangibles$0
All other assets$1,102
Life insurance assets$94,356
Total liabilities and capital$82,904
Total liabilities$79,888
Total deposits$68,420
Interest-bearing deposits$79,888
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,090
Other borrowed funds $0
Subordinated debt $926
All other liabilities $11,452
Total equity capital$11,452
Total bank equity capital$11,452
Perpetual preferred stock$0
Common stock$913
Surplus$1,112
Undivided profits $9,427
Memoranda
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 $436
Earning assets $0
Long-term assets (5+ years) $432
Average Assets, year-to-date $88,578
Average Assets, quarterly $37,208
Volatile liabilities $92,059
Insider loans $93,829
FHLB advances $52,065
Loans and leases held for sale $93,991
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,459
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,542
Derivatives$409
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,476
Total interest expense $855
Net interest income $3,621
Provision for loan and lease losses $117
Total noninterest income $507
Fiduciary activities $0
Service charges on deposit accounts $204
Trading account gains & fees $0
Additional noninterest income $303
Total noninterest expense $2,896
Salaries and employee benefits $1,430
Premises and equipment expense $474
Additional noninterest expense $992
Pre-tax net operating income $1,115
Securities gains (losses) $78
Applicable income taxes $230
Income before extraordinary items $963
Extraordinary gains - net $0
Net income attributable to bank $963
Net charge-offs $0
Cash dividends $963
Sale, conversion, retirement of capital stock, net $122
Net operating income $561
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.13%
Cost of funding earning assets 0.98%
Net interest margin 4.15%
Noninterest income to earning assets 0.58%
Noninterest expense to earning assets 3.32%
Net operating income to assets 0.98%
Return on assets (ROA) 1.05%
Pretax return on assets 1.30%
Return on equity (ROE) 9.05%
Retained earnings to average equity (YTD only) 3.78%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 95.90%
Efficiency ratio10.10%
Assets per employee$70,155
Cash dividends to net income (YTD only)2.78%
Condition Ratios (%)
Loss allowance to loans 58.26%
Loss allowance to noncurrent loans 1.21%
Noncurrent assets plus other real estate owned to assets 136.24%
Noncurrent loans to loans 0.61%
Net loans and leases to deposits0.89%
Net loans and leases to core deposits 60.47%
Equity capital to assets 60.47%
Core capital (leverage) ratio 12.14%
Tier 1 risk-based capital ratio 11.13%
Total risk-based capital ratio 20.09%
Memoranda
Average assets$21
Average earning assets$92,059
Average equity $10,644
Average loans $87,219
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2 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06579The Citizens Bank CompanyUllman And Fifth Streets, Beverly, OH 45715January 01, 1863Full Service Brick and Mortar
1222093Marietta Branch110 Second Street, Marietta, OH 45750July 24, 1996Full Service Brick and Mortar
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