The Citizens Bank of Americus in Americus, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Citizens Bank of Americus in Americus, Georgia (GA)
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The Citizens Bank of Americus - Overview

  • General
  • FDIC Certificate #: 15477
    Status: Active
    Federal Reserve ID: 19936
    Bank Holding Company (Regulatory Top Holder): Middle Georgia Corporation (RSSDID: 1081752, Location: Ellaville, GA)
    Date Established: March 01, 1937
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12677
    FDIC's unique #: 9782
    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: Commercial Lending Specialization
    Date of Deposit Insurance: March 25, 1937
    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: 119 Lee Street, Americus, GA 31709
    County: Sumter
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Americus, GA (#11140)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $241.0 mil
    Equity capital: $21.2 mil
    Deposits held in domestic offices: $212.7 mil
    Return on assets (ROA): 0.17% ($0.4 mil)
    Quarterly return on assets: 0.32% ($0.8 mil)
    Return on Equity (ROE): 1.99% ($0.4 mil)
    Quarterly return on equity: 3.59% ($0.8 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.21% ($506.0 mil)
    Quarterly Pretax return on assets: 0.26% ($626.5 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
  • 48Total employees (full-time equivalent)
  • $240,976Total assets
  • $64,469Cash and due from depository institutions
  • $59,910Interest-bearing balances
  • $25,219Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $137,318Net loans & leases
  • $3,179Loan loss allowance
  • $0Trading account assets
  • $5,717Bank premises and fixed assets
  • $2,508Other real estate owned
  • $0Goodwill and other intangibles
  • $240,976Life insurance assets
  • $5,745All other assets
  • $219,765Total liabilities and capital
  • $212,668Total liabilities
  • $168,575Total deposits
  • $212,668Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 6501.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $596Subordinated debt
  • $21,211All other liabilities
  • $21,211Total equity capital
  • $21,211Total bank equity capital
  • $0Perpetual preferred stock
  • $420Common stock
  • $12,406Surplus
  • $8,385Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,591Income earned, not collected on loans
  • $0Earning assets
  • $1,211Long-term assets (5+ years)
  • $222,447Average Assets, year-to-date
  • $24,255Average Assets, quarterly
  • $240,755Volatile liabilities
  • $239,011Insider loans
  • $146,989FHLB advances
  • $236,995Loans and leases held for sale
  • $2,053Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,744Tier 2 risk-based capital
  • $2,053Total risk weighted assets
  • $0Total unused commitments
  • $11,519Restructured Loans and leases
  • $2,030Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,013Total interest income
  • $1,813Total interest expense
  • $8,200Net interest income
  • $3,330Provision for loan and lease losses
  • $1,100Total noninterest income
  • $0Fiduciary activities
  • $992Service charges on deposit accounts
  • $0Trading account gains & fees
  • $108Additional noninterest income
  • $5,477Total noninterest expense
  • $2,464Salaries and employee benefits
  • $873Premises and equipment expense
  • $2,140Additional noninterest expense
  • $493Pre-tax net operating income
  • $5Securities gains (losses)
  • $81Applicable income taxes
  • $417Income before extraordinary items
  • $0Extraordinary gains - net
  • $417Net income attributable to bank
  • $0Net charge-offs
  • $417Cash dividends
  • $3,760Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.47%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.17%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 1.99%Return on equity (ROE)
  • 1.99%Retained earnings to average equity (YTD only)
  • 2.63%Net charge-offs to loans
  • 88.56%Credit loss provision to net charge-offs
  • 1.02%Efficiency ratio
  • 58,892Assets per employee
  • 5.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.26%Loss allowance to noncurrent loans
  • 48.23%Noncurrent assets plus other real estate owned to assets
  • 3.78%Noncurrent loans to loans
  • 4.69%Net loans and leases to deposits
  • 64.57%Net loans and leases to core deposits
  • 68.44%Equity capital to assets
  • 8.80%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 14.11%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $240,755Average earning assets
  • $20,950Average equity
  • $222,008Average loans

List of branches

  • 4 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09782The Citizens Bank Of Americus119 Lee Street, Americus, GA 31709March 01, 1937Full Service Brick and Mortar
    4234109Tripp Street Branch106 Tripp Street, Americus, GA 31709March 16, 1981Full Service Brick and Mortar
    513520Washington Street Branch301 Washington Street, Preston, GA 31824January 02, 1930Full Service Brick and Mortar
    6234110Wal-Mart Supercenter Branch1809 Highway 280 East, Suite D, Americus, GA 31709July 19, 1995Full Service Brick and Mortar

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