Citizens Bank in Muskogee, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 14, 1994

Citizens Bank in Muskogee, Oklahoma (OK)
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Citizens Bank - Overview

General
FDIC Certificate #: 4153
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: BOKF, National Association (#4214)
Federal Reserve ID: 845256
Date Established: April 13, 1926
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Interstate: No)
FDIC's unique #: 2713
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 14, 1994
Last Structure Change Process Date: November 29, 1994
Last Data Update: November 29, 1994
Data Source Date: April 05, 2012
Location
Address: 325 West Broadway, Muskogee, OK 74401
County: Muskogee
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Muskogee, OK (#34780)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $136.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$68Total assets
$139,596Cash and due from depository institutions
$8,315Interest-bearing balances
$0Securities
$55,842Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$69,198Loan loss allowance
$906Trading account assets
$0Bank premises and fixed assets
$4,003Other real estate owned
$587Goodwill and other intangibles
$1,587Life insurance assets
$64All other assets
$0Total liabilities and capital
$139,596Total liabilities
$129,177Total deposits
$121,932Interest-bearing deposits
$101,061Deposits held in domestic offices
121932.00%% insured (estimated)
$89Federal funds purchased & repurchase agreements
$4,569Trading liabilities
$0Other borrowed funds
$801Subordinated debt
$0All other liabilities
$1,875Total equity capital
$1,875Total bank equity capital
$10,419Perpetual preferred stock
$0Common stock
$1,500Surplus
$1,500Undivided profits
Memoranda
$7,419Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,055Income earned, not collected on loans
$421Earning assets
$125,040Long-term assets (5+ years)
$23,447Average Assets, year-to-date
$142,496Average Assets, quarterly
$140,119Volatile liabilities
$13,052Insider loans
$1,176FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$7,123Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$10,355Total risk weighted assets
$87,572Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$10,079Total interest expense
$3,188Net interest income
$6,891Provision for loan and lease losses
$230Total noninterest income
$1,653Fiduciary activities
$75Service charges on deposit accounts
$837Trading account gains & fees
$0Additional noninterest income
$741Total noninterest expense
$4,806Salaries and employee benefits
$2,144Premises and equipment expense
$773Additional noninterest expense
$1,889Pre-tax net operating income
$3,508Securities gains (losses)
$219Applicable income taxes
$1,026Income before extraordinary items
$2,701Extraordinary gains - net
$0Net income attributable to bank
$2,701Net charge-offs
$91Cash dividends
$2,400Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.94%Cost of funding earning assets
2.51%Net interest margin
5.43%Noninterest income to earning assets
1.30%Noninterest expense to earning assets
3.79%Net operating income to assets
1.78%Return on assets (ROA)
1.90%Pretax return on assets
2.62%Return on equity (ROE)
25.62%Retained earnings to average equity (YTD only)
2.85%Net charge-offs to loans
0.13%Credit loss provision to net charge-offs
252.75%Efficiency ratio
55,875Assets per employee
2.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
88.86%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
44.09%Noncurrent assets plus other real estate owned to assets
1.89%Noncurrent loans to loans
2.93%Net loans and leases to deposits
56.75%Net loans and leases to core deposits
60.73%Equity capital to assets
7.46%Core capital (leverage) ratio
7.30%Tier 1 risk-based capital ratio
11.82%Total risk-based capital ratio
Memoranda
$13Average assets
$142,496Average earning assets
$10,545Average equity
$126,869Average loans

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