The Citizens Bank of Philadelphia, Mississippi in Philadelphia, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Citizens Bank of Philadelphia, Mississippi in Philadelphia, Mississippi (MS)
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The Citizens Bank of Philadelphia, Mississippi - Overview

  • General
  • FDIC Certificate #: 12204
    Status: Active
    Federal Reserve ID: 29636
    Bank Holding Company (Regulatory Top Holder): Citizens Holding Company (RSSDID: 1083475, Location: Philadelphia, MS)
    Date Established: January 01, 1908
    WWW: http://www.thecitizensbankphila.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 23 (Domestic: 23, Interstate: No)
    OTS Docket #: 10889
    FDIC's unique #: 7752
    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: All Other Specialization < 1 Billion
    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: 521 Main Street, Philadelphia, MS 39350
    County: Neshoba
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $853.7 mil
    Equity capital: $84.4 mil
    Deposits held in domestic offices: $573.8 mil
    Return on assets (ROA): 0.88% ($7.5 mil)
    Quarterly return on assets: 0.85% ($7.3 mil)
    Return on Equity (ROE): 9.14% ($7.7 mil)
    Quarterly return on equity: 8.48% ($7.1 mil)
    Net income: $7.3 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: 1.05% ($8,963.4 mil)
    Quarterly Pretax return on assets: 0.84% ($7,170.7 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
  • 259Total employees (full-time equivalent)
  • $853,660Total assets
  • $39,398Cash and due from depository institutions
  • $3,990Interest-bearing balances
  • $370,625Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $382,581Net loans & leases
  • $6,681Loan loss allowance
  • $0Trading account assets
  • $20,278Bank premises and fixed assets
  • $4,869Other real estate owned
  • $3,227Goodwill and other intangibles
  • $853,660Life insurance assets
  • $32,682All other assets
  • $769,283Total liabilities and capital
  • $573,755Total liabilities
  • $456,857Total deposits
  • $573,755Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 120220.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $68,677Trading liabilities
  • $0Other borrowed funds
  • $6,631Subordinated debt
  • $84,377All other liabilities
  • $84,377Total equity capital
  • $84,377Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $66,452Surplus
  • $17,924Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,568Income earned, not collected on loans
  • $0Earning assets
  • $4,445Long-term assets (5+ years)
  • $757,196Average Assets, year-to-date
  • $378,801Average Assets, quarterly
  • $834,890Volatile liabilities
  • $839,983Insider loans
  • $481,496FHLB advances
  • $823,681Loans and leases held for sale
  • $20,382Unused loan commitments
  • $17,388Tier 1 (core) risk-based capital
  • $76,707Tier 2 risk-based capital
  • $2,994Total risk weighted assets
  • $0Total unused commitments
  • $40,880Restructured Loans and leases
  • $549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,974Total interest income
  • $6,645Total interest expense
  • $30,329Net interest income
  • $2,995Provision for loan and lease losses
  • $6,683Total noninterest income
  • $1Fiduciary activities
  • $3,689Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,993Additional noninterest income
  • $25,963Total noninterest expense
  • $13,933Salaries and employee benefits
  • $4,308Premises and equipment expense
  • $7,722Additional noninterest expense
  • $8,054Pre-tax net operating income
  • $715Securities gains (losses)
  • $1,420Applicable income taxes
  • $7,349Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,349Net income attributable to bank
  • $0Net charge-offs
  • $7,349Cash dividends
  • $2,693Sale, conversion, retirement of capital stock, net
  • $4,332Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.05%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.47%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 9.14%Return on equity (ROE)
  • 3.75%Retained earnings to average equity (YTD only)
  • 0.66%Net charge-offs to loans
  • 111.21%Credit loss provision to net charge-offs
  • 4.10%Efficiency ratio
  • 69,648Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.95%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 57.75%Noncurrent assets plus other real estate owned to assets
  • 1.93%Noncurrent loans to loans
  • 2.97%Net loans and leases to deposits
  • 66.68%Net loans and leases to core deposits
  • 72.00%Equity capital to assets
  • 9.88%Core capital (leverage) ratio
  • 9.31%Tier 1 risk-based capital ratio
  • 15.93%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $834,890Average earning assets
  • $80,421Average equity
  • $748,726Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $101Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $101Other retirement accounts
  • $101Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 23 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07752The Citizens Bank Of Philadelphia, Mississippi521 Main Street, Philadelphia, MS 39350January 01, 1908Full Service Brick and Mortar
    1226664West Side Drive-In Branch912 West Beacon Street, Philadelphia, MS 39350November 06, 1972Full Service Brick and Mortar
    2226665North Side BranchHighways 15 And 19 North, Philadelphia, MS 39350Febuary 03, 1975Full Service Brick and Mortar
    4226667Union BranchBank And Horne Streets, Union, MS 39365May 11, 1981Full Service Brick and Mortar
    5226668East Side BranchHighways 16 East And 486, Philadelphia, MS 39350March 04, 1985Full Service Brick and Mortar
    7251715Madden BranchHighway 488, Madden, MS 39109July 29, 1974Full Service Brick and Mortar
    8258Sebastopol Branch24 Pine Street, Sebastopol, MS 39359March 20, 1920Full Service Brick and Mortar
    10226669De Kalb BranchBell Street And Main Avenue, De Kalb, MS 39328August 02, 1990Full Service Brick and Mortar
    1144679Kosciusko Branch775 North Jackson Street, Kosciusko, MS 39090January 01, 1965Full Service Brick and Mortar
    12219075Scooba Branch1048 Johnson Street, Scooba, MS 39358July 13, 1934Full Service Brick and Mortar
    13360899Meridian Branch2209 Hwy 45 North, Suite E, Meridian, MS 39301August 03, 2000Full Service Brick and Mortar
    14225737Decatur Branch15220 Highway 15 South, Decatur, MS 39327January 01, 1919Full Service Brick and Mortar
    15225744Forest Branch247 Woodland Drive North, Forest, MS 39074December 22, 1972Full Service Brick and Mortar
    1610688Citizens Bank And Trust Company Bran100 East Main Street, Louisville, MS 39339January 27, 1947Full Service Brick and Mortar
    17238273Noxapater Branch45 Main Street, Noxapater, MS 39346November 01, 1955Full Service Brick and Mortar
    18238274Drive-In Teller's Window Branch803 South Church Avenue, Louisville, MS 39339April 05, 1973Full Service Brick and Mortar
    19466529Collinsville Branch9065 Collinsville Road, Collinsville, MS 39325July 31, 2007Full Service Brick and Mortar
    20468548Starkville Branch201 Highway 12 West, Starkville, MS 39759October 18, 2007Full Service Brick and Mortar
    21470518Meridian Mid-Town Branch905 22nd Avenue, Meridian, MS 39305January 22, 2008Full Service Brick and Mortar
    22471123Meridian Broadmoor Branch5015 Highway 493, Meridian, MS 39305Febuary 11, 2008Full Service Brick and Mortar
    24481545Hattiesburg Branch6222 Highway 98 West, Hattiesburg, MS 39402October 14, 2008Full Service Brick and Mortar
    25482988Carthage Branch301 West Main Street, Carthage, MS 39051November 24, 2008Full Service Brick and Mortar
    26526576Flowood Branch5419 Highway 25, Suite Q, Flowood, MS 39232November 15, 2011Full Service Brick and Mortar

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