The Citizens Bank of Edina in Edina, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Citizens Bank of Edina - Overview

  • General
  • FDIC Certificate #: 12457
    Status: Active
    Federal Reserve ID: 699253
    Bank Holding Company (Regulatory Top Holder): T & C Bancorp, Inc. (RSSDID: 1095816, Location: Quincy, IL)
    Date Established: September 10, 1914
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15978
    FDIC's unique #: 7929
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 18, 2007
    Last Structure Change Process Date: October 30, 2007
    Last Data Update: October 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Morgan Streets, Edina, MO 63537
    County: Knox
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $68.1 mil
    Equity capital: $7.1 mil
    Deposits held in domestic offices: $59.9 mil
    Return on assets (ROA): 1.42% ($1.0 mil)
    Quarterly return on assets: 1.32% ($0.9 mil)
    Return on Equity (ROE): 13.27% ($0.9 mil)
    Quarterly return on equity: 12.18% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 2.40% ($1,635.5 mil)
    Quarterly Pretax return on assets: 2.12% ($1,444.7 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
  • 16Total employees (full-time equivalent)
  • $68,147Total assets
  • $3,217Cash and due from depository institutions
  • $770Interest-bearing balances
  • $5,012Securities
  • $6,230Federal funds sold & reverse repurchase agreements
  • $49,878Net loans & leases
  • $743Loan loss allowance
  • $0Trading account assets
  • $138Bank premises and fixed assets
  • $404Other real estate owned
  • $0Goodwill and other intangibles
  • $68,147Life insurance assets
  • $3,268All other assets
  • $61,024Total liabilities and capital
  • $59,918Total liabilities
  • $48,052Total deposits
  • $59,918Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $676Trading liabilities
  • $0Other borrowed funds
  • $430Subordinated debt
  • $7,123All other liabilities
  • $7,123Total equity capital
  • $7,123Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $400Surplus
  • $6,348Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $674Income earned, not collected on loans
  • $0Earning assets
  • $966Long-term assets (5+ years)
  • $61,890Average Assets, year-to-date
  • $4,638Average Assets, quarterly
  • $66,460Volatile liabilities
  • $65,796Insider loans
  • $52,923FHLB advances
  • $66,004Loans and leases held for sale
  • $1,877Unused loan commitments
  • $1,877Tier 1 (core) risk-based capital
  • $7,112Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,374Restructured Loans and leases
  • $954Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,281Total interest income
  • $604Total interest expense
  • $2,677Net interest income
  • $0Provision for loan and lease losses
  • $284Total noninterest income
  • $0Fiduciary activities
  • $171Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $1,367Total noninterest expense
  • $670Salaries and employee benefits
  • $117Premises and equipment expense
  • $580Additional noninterest expense
  • $1,594Pre-tax net operating income
  • $0Securities gains (losses)
  • $653Applicable income taxes
  • $941Income before extraordinary items
  • $0Extraordinary gains - net
  • $941Net income attributable to bank
  • $0Net charge-offs
  • $941Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $884Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.40%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.41%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.25%Noninterest expense to earning assets
  • 1.42%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 2.40%Pretax return on assets
  • 13.27%Return on equity (ROE)
  • 0.80%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 46.88%Efficiency ratio
  • 46,167Assets per employee
  • 4.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 93.94%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 110.24%Noncurrent assets plus other real estate owned to assets
  • 1.58%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 83.24%Net loans and leases to core deposits
  • 87.02%Equity capital to assets
  • 10.45%Core capital (leverage) ratio
  • 10.78%Tier 1 risk-based capital ratio
  • 13.44%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $66,460Average earning assets
  • $7,091Average equity
  • $60,766Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07929The Citizens Bank Of EdinaMain And Morgan Streets, Edina, MO 63537September 10, 1914Full Service Brick and Mortar

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