The Citizens Bank of Americus in Americus, Georgia (GA)



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The Citizens Bank of Americus routing number info

Table of contents:
The Citizens Bank of Americus
GeneralFDIC 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
WWW: http://www.cbkamericus.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)48
Total assets$240,976
Cash and due from depository institutions$64,469
Interest-bearing balances$59,910
Securities$25,219
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$137,318
Loan loss allowance $3,179
Trading account assets$0
Bank premises and fixed assets$5,717
Other real estate owned$2,508
Goodwill and other intangibles$0
All other assets$5,745
Life insurance assets$240,976
Total liabilities and capital$219,765
Total liabilities$212,668
Total deposits$168,575
Interest-bearing deposits$212,668
Deposits held in domestic offices$84
% insured (estimated)6501.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $596
All other liabilities $21,211
Total equity capital$21,211
Total bank equity capital$21,211
Perpetual preferred stock$0
Common stock$420
Surplus$12,406
Undivided profits $8,385
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 $6,591
Earning assets $0
Long-term assets (5+ years) $1,211
Average Assets, year-to-date $222,447
Average Assets, quarterly $24,255
Volatile liabilities $240,755
Insider loans $239,011
FHLB advances $146,989
Loans and leases held for sale $236,995
Unused loan commitments $2,053
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,744
Total risk weighted assets $2,053
Total unused commitments $0
Restructured Loans and leases $11,519
Derivatives$2,030
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,013
Total interest expense $1,813
Net interest income $8,200
Provision for loan and lease losses $3,330
Total noninterest income $1,100
Fiduciary activities $0
Service charges on deposit accounts $992
Trading account gains & fees $0
Additional noninterest income $108
Total noninterest expense $5,477
Salaries and employee benefits $2,464
Premises and equipment expense $873
Additional noninterest expense $2,140
Pre-tax net operating income $493
Securities gains (losses) $5
Applicable income taxes $81
Income before extraordinary items $417
Extraordinary gains - net $0
Net income attributable to bank $417
Net charge-offs $0
Cash dividends $417
Sale, conversion, retirement of capital stock, net $3,760
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.51%
Cost of funding earning assets 0.82%
Net interest margin 3.69%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 2.47%
Net operating income to assets 0.17%
Return on assets (ROA) 0.17%
Pretax return on assets 0.21%
Return on equity (ROE) 1.99%
Retained earnings to average equity (YTD only) 1.99%
Net charge-offs to loans 2.63%
Credit loss provision to net charge-offs 88.56%
Efficiency ratio1.02%
Assets per employee$58,892
Cash dividends to net income (YTD only)5.02%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.26%
Noncurrent assets plus other real estate owned to assets 48.23%
Noncurrent loans to loans 3.78%
Net loans and leases to deposits4.69%
Net loans and leases to core deposits 64.57%
Equity capital to assets 68.44%
Core capital (leverage) ratio 8.80%
Tier 1 risk-based capital ratio 8.75%
Total risk-based capital ratio 14.11%
Memoranda
Average assets$15
Average earning assets$240,755
Average equity $20,950
Average loans $222,008
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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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