The Citizens Bank of Edmond in Edmond, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Citizens Bank of Edmond in Edmond, Oklahoma (OK)
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The Citizens Bank of Edmond - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 71Total employees (full-time equivalent)
  • $261,533Total assets
  • $8,829Cash and due from depository institutions
  • $3,294Interest-bearing balances
  • $96,356Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $135,133Net loans & leases
  • $3,686Loan loss allowance
  • $0Trading account assets
  • $10,827Bank premises and fixed assets
  • $2,699Other real estate owned
  • $0Goodwill and other intangibles
  • $261,533Life insurance assets
  • $7,689All other assets
  • $239,231Total liabilities and capital
  • $234,805Total liabilities
  • $171,922Total deposits
  • $234,805Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 906.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,520Subordinated debt
  • $22,302All other liabilities
  • $22,302Total equity capital
  • $22,302Total bank equity capital
  • $0Perpetual preferred stock
  • $980Common stock
  • $10,980Surplus
  • $10,342Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,645Income earned, not collected on loans
  • $0Earning assets
  • $898Long-term assets (5+ years)
  • $234,783Average Assets, year-to-date
  • $129,241Average Assets, quarterly
  • $265,051Volatile liabilities
  • $264,241Insider loans
  • $143,126FHLB advances
  • $263,628Loans and leases held for sale
  • $5,390Unused loan commitments
  • $5,390Tier 1 (core) risk-based capital
  • $22,849Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,538Restructured Loans and leases
  • $1,288Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,194Total interest income
  • $1,824Total interest expense
  • $9,370Net interest income
  • $0Provision for loan and lease losses
  • $1,542Total noninterest income
  • $0Fiduciary activities
  • $549Service charges on deposit accounts
  • $0Trading account gains & fees
  • $993Additional noninterest income
  • $9,569Total noninterest expense
  • $4,549Salaries and employee benefits
  • $1,338Premises and equipment expense
  • $3,682Additional noninterest expense
  • $1,343Pre-tax net operating income
  • $109Securities gains (losses)
  • $0Applicable income taxes
  • $1,452Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,452Net income attributable to bank
  • $0Net charge-offs
  • $1,452Cash dividends
  • $1,114Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 4.08%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 7.08%Return on equity (ROE)
  • 7.08%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.21%Efficiency ratio
  • 87,692Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.66%Loss allowance to noncurrent loans
  • 224.07%Noncurrent assets plus other real estate owned to assets
  • 1.66%Noncurrent loans to loans
  • 1.18%Net loans and leases to deposits
  • 57.55%Net loans and leases to core deposits
  • 59.78%Equity capital to assets
  • 8.53%Core capital (leverage) ratio
  • 8.67%Tier 1 risk-based capital ratio
  • 15.96%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $265,051Average earning assets
  • $20,514Average equity
  • $234,798Average loans

List of branches

  • 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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