The Citizens Bank of Fayette in Fayette, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Citizens Bank of Fayette - Overview

  • General
  • FDIC Certificate #: 5600
    Status: Active
    Federal Reserve ID: 438434
    Bank Holding Company (Regulatory Top Holder): F.B.h. Corporation (RSSDID: 1416907, Location: Fayette, AL)
    Date Established: June 01, 1913
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3813
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Temple Avenue South, Fayette, AL 35555
    County: Fayette
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $195.4 mil
    Equity capital: $37.7 mil
    Deposits held in domestic offices: $155.4 mil
    Return on assets (ROA): 1.31% ($2.6 mil)
    Quarterly return on assets: 0.38% ($0.7 mil)
    Return on Equity (ROE): 6.75% ($2.6 mil)
    Quarterly return on equity: 1.93% ($0.7 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.31% ($2,559.8 mil)
    Quarterly Pretax return on assets: 0.35% ($683.9 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
  • 32Total employees (full-time equivalent)
  • $195,406Total assets
  • $31,303Cash and due from depository institutions
  • $29,356Interest-bearing balances
  • $78,780Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $70,651Net loans & leases
  • $2,373Loan loss allowance
  • $0Trading account assets
  • $456Bank premises and fixed assets
  • $3,468Other real estate owned
  • $0Goodwill and other intangibles
  • $195,406Life insurance assets
  • $10,748All other assets
  • $157,687Total liabilities and capital
  • $155,399Total liabilities
  • $131,266Total deposits
  • $155,399Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,288Subordinated debt
  • $37,719All other liabilities
  • $37,719Total equity capital
  • $37,719Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,000Surplus
  • $36,519Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,067Income earned, not collected on loans
  • $0Earning assets
  • $1,086Long-term assets (5+ years)
  • $178,787Average Assets, year-to-date
  • $12,213Average Assets, quarterly
  • $189,918Volatile liabilities
  • $193,272Insider loans
  • $102,995FHLB advances
  • $193,050Loans and leases held for sale
  • $8,749Unused loan commitments
  • $4,396Tier 1 (core) risk-based capital
  • $35,791Tier 2 risk-based capital
  • $1,301Total risk weighted assets
  • $3,052Total unused commitments
  • $5,234Restructured Loans and leases
  • $239Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,446Total interest income
  • $1,363Total interest expense
  • $5,083Net interest income
  • $0Provision for loan and lease losses
  • $650Total noninterest income
  • $0Fiduciary activities
  • $357Service charges on deposit accounts
  • $0Trading account gains & fees
  • $293Additional noninterest income
  • $3,248Total noninterest expense
  • $2,058Salaries and employee benefits
  • $380Premises and equipment expense
  • $810Additional noninterest expense
  • $2,485Pre-tax net operating income
  • $0Securities gains (losses)
  • -$2Applicable income taxes
  • $2,487Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,487Net income attributable to bank
  • $0Net charge-offs
  • $2,487Cash dividends
  • $2,115Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.68%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 2.90%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 1.85%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 6.75%Return on equity (ROE)
  • 6.75%Retained earnings to average equity (YTD only)
  • 2.74%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.17%Efficiency ratio
  • 56,654Assets per employee
  • 6.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.25%Loss allowance to noncurrent loans
  • 58.35%Noncurrent assets plus other real estate owned to assets
  • 3.86%Noncurrent loans to loans
  • 5.57%Net loans and leases to deposits
  • 45.46%Net loans and leases to core deposits
  • 53.59%Equity capital to assets
  • 19.30%Core capital (leverage) ratio
  • 18.54%Tier 1 risk-based capital ratio
  • 34.75%Total risk-based capital ratio
  • Memoranda
  • $36Average assets
  • $189,918Average earning assets
  • $36,823Average equity
  • $175,349Average loans

List of branches

  • 2 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03813The Citizens Bank Of Fayette100 Temple Avenue South, Fayette, AL 35555June 01, 1913Full Service Brick and Mortar
    1207862Temple Avenue Branch1910 Temple Avenue, North, Fayette, AL 35555July 06, 1981Full Service Brick and Mortar

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