The Citizens National Bank of Paris in Paris, Illinois (IL), IN
Overview, Financial Summary, Detailed Financial Reports, Branches


The Citizens National Bank of Paris - Overview

  • General
  • FDIC Certificate #: 3721
    Status: Active
    Federal Reserve ID: 921842
    Bank Holding Company (Regulatory Top Holder): First Citizens Of Paris, Inc. (RSSDID: 1142130, Location: Paris, IL)
    Date Established: January 01, 1902
    WWW: http://www.bankcitizens.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: Yes)
    OTS Docket #: 12164
    FDIC's unique #: 2387
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 01, 2007
    Last Structure Change Process Date: January 29, 2008
    Last Data Update: January 29, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 110-114 West Court Street, Paris, IL 61944
    County: Edgar
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $211.1 mil
    Equity capital: $21.7 mil
    Deposits held in domestic offices: $169.8 mil
    Return on assets (ROA): -0.03% (-$0.1 mil)
    Quarterly return on assets: -1.12% (-$2.4 mil)
    Return on Equity (ROE): -0.33% (-$0.1 mil)
    Quarterly return on equity: -10.91% (-$2.4 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -0.18% (-$380.0 mil)
    Quarterly Pretax return on assets: -1.95% (-$4,116.3 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
  • 54Total employees (full-time equivalent)
  • $211,090Total assets
  • $3,425Cash and due from depository institutions
  • $1,162Interest-bearing balances
  • $81,932Securities
  • $2,320Federal funds sold & reverse repurchase agreements
  • $106,547Net loans & leases
  • $3,582Loan loss allowance
  • $0Trading account assets
  • $2,849Bank premises and fixed assets
  • $4,665Other real estate owned
  • $507Goodwill and other intangibles
  • $211,090Life insurance assets
  • $8,845All other assets
  • $189,396Total liabilities and capital
  • $169,751Total liabilities
  • $154,411Total deposits
  • $169,751Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 7909.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,000Trading liabilities
  • $0Other borrowed funds
  • $736Subordinated debt
  • $21,694All other liabilities
  • $21,694Total equity capital
  • $21,694Total bank equity capital
  • $0Perpetual preferred stock
  • $1,125Common stock
  • $10,436Surplus
  • $10,133Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $353Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,247Income earned, not collected on loans
  • $0Earning assets
  • $1,301Long-term assets (5+ years)
  • $191,961Average Assets, year-to-date
  • $66,157Average Assets, quarterly
  • $213,583Volatile liabilities
  • $214,856Insider loans
  • $130,538FHLB advances
  • $214,857Loans and leases held for sale
  • $3,220Unused loan commitments
  • $1,347Tier 1 (core) risk-based capital
  • $18,998Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,873Total unused commitments
  • $15,623Restructured Loans and leases
  • $1,123Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,640Total interest income
  • $2,392Total interest expense
  • $5,248Net interest income
  • $100Provision for loan and lease losses
  • -$167Total noninterest income
  • $0Fiduciary activities
  • $279Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$446Additional noninterest income
  • $5,583Total noninterest expense
  • $2,910Salaries and employee benefits
  • $524Premises and equipment expense
  • $2,149Additional noninterest expense
  • -$602Pre-tax net operating income
  • $217Securities gains (losses)
  • -$314Applicable income taxes
  • -$71Income before extraordinary items
  • $0Extraordinary gains - net
  • -$71Net income attributable to bank
  • $0Net charge-offs
  • -$71Cash dividends
  • $84Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.98%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 2.73%Net interest margin
  • -0.09%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • -0.10%Net operating income to assets
  • -0.03%Return on assets (ROA)
  • -0.18%Pretax return on assets
  • -0.33%Return on equity (ROE)
  • -1.02%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 119.05%Credit loss provision to net charge-offs
  • -5.98%Efficiency ratio
  • 109,880Assets per employee
  • 3.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -211.27%Loss allowance to loans
  • 3.25%Loss allowance to noncurrent loans
  • 49.43%Noncurrent assets plus other real estate owned to assets
  • 5.64%Noncurrent loans to loans
  • 6.58%Net loans and leases to deposits
  • 62.77%Net loans and leases to core deposits
  • 66.11%Equity capital to assets
  • 10.28%Core capital (leverage) ratio
  • 8.84%Tier 1 risk-based capital ratio
  • 14.55%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $213,583Average earning assets
  • $21,691Average equity
  • $191,931Average loans

Total Fiduciary and Related Assets (December 31, 2008)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $45,440Managed Assets
  • 1Number of Accounts
  • $39,705Personal trust and agency accounts
  • $38,756Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $79Corporate trust and agency accounts
  • $64Investment management agency accounts
  • $420Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $386Non-managed Assets
  • 250Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,735Other retirement accounts
  • $3,324Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,223Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02387The Citizens National Bank Of Paris110-114 West Court Street, Paris, IL 61944January 01, 1902Full Service Brick and Mortar
    1201802Drive-In Facility8964 Lower Terre Haute Road, Paris, IL 61944October 16, 1978Full Service Brick and Mortar
    2238312 West Main Street Branch12 West Main Street, Oakland, IL 61943October 05, 1874Full Service Brick and Mortar
  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5493275Terre Haute Branch315 Davis Avenue, Terre Haute, IN 47802June 30, 2009Full Service Brick and Mortar

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