The Citizens Bank of Edmond in Edmond, Oklahoma (OK)



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The Citizens Bank of Edmond routing number info

Table of contents:
The Citizens Bank of Edmond
GeneralFDIC Certificate #: 4084
Status: Active
Federal Reserve ID: 172457
Bank Holding Company (Regulatory Top Holder): Citizens Bancshares, Inc., Esop (RSSDID: 3078215, Location: Edmond, OK)
Date Established: January 01, 1912
WWW: http://www.citizensedmond.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 10667
FDIC's unique #: 2658
Numeric code: 13
Regulator: FED
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
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: 1 East 1st Street, Edmond, OK 73034
County: Oklahoma
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Oklahoma City
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $261.5 mil
Equity capital: $22.3 mil
Deposits held in domestic offices: $234.8 mil
Return on assets (ROA): 0.55% ($1.4 mil)
Quarterly return on assets: 0.75% ($2.0 mil)
Return on Equity (ROE): 7.08% ($1.6 mil)
Quarterly return on equity: 9.11% ($2.0 mil)
Net income: $1.5 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.55% ($1,438.4 mil)
Quarterly Pretax return on assets: 0.75% ($1,961.5 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)71
Total assets$261,533
Cash and due from depository institutions$8,829
Interest-bearing balances$3,294
Securities$96,356
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$135,133
Loan loss allowance $3,686
Trading account assets$0
Bank premises and fixed assets$10,827
Other real estate owned$2,699
Goodwill and other intangibles$0
All other assets$7,689
Life insurance assets$261,533
Total liabilities and capital$239,231
Total liabilities$234,805
Total deposits$171,922
Interest-bearing deposits$234,805
Deposits held in domestic offices$95
% insured (estimated)906.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,520
All other liabilities $22,302
Total equity capital$22,302
Total bank equity capital$22,302
Perpetual preferred stock$0
Common stock$980
Surplus$10,980
Undivided profits $10,342
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 $1,645
Earning assets $0
Long-term assets (5+ years) $898
Average Assets, year-to-date $234,783
Average Assets, quarterly $129,241
Volatile liabilities $265,051
Insider loans $264,241
FHLB advances $143,126
Loans and leases held for sale $263,628
Unused loan commitments $5,390
Tier 1 (core) risk-based capital $5,390
Tier 2 risk-based capital $22,849
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,538
Derivatives$1,288
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,194
Total interest expense $1,824
Net interest income $9,370
Provision for loan and lease losses $0
Total noninterest income $1,542
Fiduciary activities $0
Service charges on deposit accounts $549
Trading account gains & fees $0
Additional noninterest income $993
Total noninterest expense $9,569
Salaries and employee benefits $4,549
Premises and equipment expense $1,338
Additional noninterest expense $3,682
Pre-tax net operating income $1,343
Securities gains (losses) $109
Applicable income taxes $0
Income before extraordinary items $1,452
Extraordinary gains - net $0
Net income attributable to bank $1,452
Net charge-offs $0
Cash dividends $1,452
Sale, conversion, retirement of capital stock, net $1,114
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 assets4.77%
Cost of funding earning assets 0.78%
Net interest margin 3.99%
Noninterest income to earning assets 0.66%
Noninterest expense to earning assets 4.08%
Net operating income to assets 0.51%
Return on assets (ROA) 0.55%
Pretax return on assets 0.55%
Return on equity (ROE) 7.08%
Retained earnings to average equity (YTD only) 7.08%
Net charge-offs to loans 0.79%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio1.21%
Assets per employee$87,692
Cash dividends to net income (YTD only)3.68%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.66%
Noncurrent assets plus other real estate owned to assets 224.07%
Noncurrent loans to loans 1.66%
Net loans and leases to deposits1.18%
Net loans and leases to core deposits 57.55%
Equity capital to assets 59.78%
Core capital (leverage) ratio 8.53%
Tier 1 risk-based capital ratio 8.67%
Total risk-based capital ratio 15.96%
Memoranda
Average assets$17
Average earning assets$265,051
Average equity $20,514
Average loans $234,798
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6 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02658The Citizens Bank Of Edmond1 East 1st Street, Edmond, OK 73034January 01, 1912Full Service Brick and Mortar
1202289Main Branch32 N Broadway, Edmond, OK 73034March 02, 1976Full Service Brick and Mortar
3202291Uco Branch100 North University Drive, Edmond, OK 73013March 12, 1997Full Service Retail
5446269Coffee Creek Branch855 West Covell Road, Edmond, OK 73003December 27, 2005Full Service Brick and Mortar
6468144Boulevard Branch3600 South Boulevard, Edmond, OK 73013August 20, 2007Full Service Brick and Mortar
7489861Penn Branch16461 N. Penn Ave, Edmond, OK 73013April 13, 2009Full Service Brick and Mortar
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