Citizens Bank & Trust in city_name, state_name - Detailed Financial Reports, Location

Citizens Bank & Trust in Rock Port, Missouri (MO)
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Citizens Bank & Trust routing number info

Citizens Bank & Trust - Overview

General
FDIC Certificate #: 14293
Status: Active
Federal Reserve ID: 964250
Date Established: March 28, 1902
WWW: http://www.cbtmo.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 8929
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: April 26, 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: 101 North Main Street, Rock Port, MO 64482
County: Atchison
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $86.9 mil
Equity capital: $9.4 mil
Deposits held in domestic offices: $74.4 mil
Return on assets (ROA): 1.49% ($1.3 mil)
Quarterly return on assets: 1.43% ($1.2 mil)
Return on Equity (ROE): 13.95% ($1.3 mil)
Quarterly return on equity: 12.48% ($1.1 mil)
Net income: $1.2 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.51% ($1,311.9 mil)
Quarterly Pretax return on assets: 1.43% ($1,242.4 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
23Total employees (full-time equivalent)
$86,881Total assets
$3,750Cash and due from depository institutions
$996Interest-bearing balances
$35,951Securities
$10,867Federal funds sold & reverse repurchase agreements
$33,843Net loans & leases
$596Loan loss allowance
$0Trading account assets
$1,372Bank premises and fixed assets
$72Other real estate owned
$50Goodwill and other intangibles
$86,881Life insurance assets
$976All other assets
$77,503Total liabilities and capital
$74,399Total liabilities
$62,564Total deposits
$74,399Interest-bearing deposits
$86Deposits held in domestic offices
2908.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$196Subordinated debt
$9,378All other liabilities
$9,378Total equity capital
$9,378Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$1,120Surplus
$7,858Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$826Income earned, not collected on loans
$0Earning assets
$614Long-term assets (5+ years)
$81,657Average Assets, year-to-date
$25,920Average Assets, quarterly
$81,757Volatile liabilities
$82,795Insider loans
$44,045FHLB advances
$82,172Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,165Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,509Restructured Loans and leases
$248Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,097Total interest income
$493Total interest expense
$2,604Net interest income
$8Provision for loan and lease losses
$557Total noninterest income
$33Fiduciary activities
$409Service charges on deposit accounts
$0Trading account gains & fees
$115Additional noninterest income
$1,922Total noninterest expense
$1,143Salaries and employee benefits
$318Premises and equipment expense
$461Additional noninterest expense
$1,231Pre-tax net operating income
$0Securities gains (losses)
$11Applicable income taxes
$1,220Income before extraordinary items
$0Extraordinary gains - net
$1,220Net income attributable to bank
$0Net charge-offs
$1,220Cash dividends
$47Sale, conversion, retirement of capital stock, net
$700Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.98%Yield on earning assets
0.63%Cost of funding earning assets
3.34%Net interest margin
0.72%Noninterest income to earning assets
2.47%Noninterest expense to earning assets
1.49%Net operating income to assets
1.49%Return on assets (ROA)
1.51%Pretax return on assets
13.95%Return on equity (ROE)
5.95%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
17.02%Credit loss provision to net charge-offs
26.36%Efficiency ratio
60,804Assets per employee
3.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.38%Loss allowance to loans
1.73%Loss allowance to noncurrent loans
72.15%Noncurrent assets plus other real estate owned to assets
1.03%Noncurrent loans to loans
2.40%Net loans and leases to deposits
45.49%Net loans and leases to core deposits
47.54%Equity capital to assets
10.79%Core capital (leverage) ratio
9.94%Tier 1 risk-based capital ratio
18.54%Total risk-based capital ratio
Memoranda
$20Average assets
$81,757Average earning assets
$8,746Average equity
$77,892Average 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
$12,158Managed Assets
1Number of Accounts
$11,637Personal trust and agency accounts
$11,616Employee 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
$21Non-managed Assets
25Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$521Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$509Fiduciary accounts held in foreign offices

List of branches

3 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8929	Citizens Bank & Trust	101 North Main Street, Rock Port, MO 64482	March 28, 1902	Full Service Brick and Mortar
1	790	Craig Branch	105 South Main Street, Craig, MO 64437	November 09, 1929	Full Service Brick and Mortar
3	269636	Mound City Branch	904 State Street, Mound City, MO 64470	January 01, 1907	Full Service Brick and Mortar

Citizens Bank & Trust in Rock Port, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank & Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens Bank & Trust in Rock Port, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank & Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens Bank & Trust in Rock Port, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches