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

Citizens Bank & Trust Co. in Marks, Mississippi (MS)
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Citizens Bank & Trust Co. routing number info

Citizens Bank & Trust Co. - Overview

General
FDIC Certificate #: 9777
Status: Active
Federal Reserve ID: 729945
Bank Holding Company (Regulatory Top Holder): Cb&T Bancshares, Inc. (RSSDID: 2605249, Location: Marks, MS)
Date Established: August 17, 1917
WWW: http://www.cbt-co.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)
OTS Docket #: 16066
FDIC's unique #: 6260
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: 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: 239 East Main St, Marks, MS 38646
County: Quitman
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $124.1 mil
Equity capital: $12.3 mil
Deposits held in domestic offices: $104.8 mil
Return on assets (ROA): 0.23% ($0.3 mil)
Quarterly return on assets: 0.69% ($0.9 mil)
Return on Equity (ROE): 2.27% ($0.3 mil)
Quarterly return on equity: 6.83% ($0.8 mil)
Net income: $0.3 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.23% ($285.4 mil)
Quarterly Pretax return on assets: 0.69% ($856.2 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
37Total employees (full-time equivalent)
$124,083Total assets
$1,957Cash and due from depository institutions
$118Interest-bearing balances
$24,935Securities
$19,100Federal funds sold & reverse repurchase agreements
$66,664Net loans & leases
$800Loan loss allowance
$0Trading account assets
$1,640Bank premises and fixed assets
$2,475Other real estate owned
$0Goodwill and other intangibles
$124,083Life insurance assets
$7,312All other assets
$111,760Total liabilities and capital
$104,795Total liabilities
$79,649Total deposits
$104,795Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,502Trading liabilities
$0Other borrowed funds
$1,463Subordinated debt
$12,323All other liabilities
$12,323Total equity capital
$12,323Total bank equity capital
$0Perpetual preferred stock
$513Common stock
$9,748Surplus
$2,062Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,371Income earned, not collected on loans
$0Earning assets
$1,264Long-term assets (5+ years)
$110,817Average Assets, year-to-date
$23,693Average Assets, quarterly
$120,464Volatile liabilities
$121,358Insider loans
$105,688FHLB advances
$121,383Loans and leases held for sale
$4,654Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,173Tier 2 risk-based capital
$4,654Total risk weighted assets
$0Total unused commitments
$13,679Restructured Loans and leases
$8,625Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,117Total interest income
$932Total interest expense
$4,185Net interest income
$313Provision for loan and lease losses
$877Total noninterest income
$0Fiduciary activities
$852Service charges on deposit accounts
$0Trading account gains & fees
$25Additional noninterest income
$4,005Total noninterest expense
$2,061Salaries and employee benefits
$587Premises and equipment expense
$1,357Additional noninterest expense
$744Pre-tax net operating income
-$468Securities gains (losses)
$0Applicable income taxes
$276Income before extraordinary items
$0Extraordinary gains - net
$276Net income attributable to bank
$0Net charge-offs
$276Cash dividends
$276Sale, conversion, retirement of capital stock, net
$250Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.83%Yield on earning assets
0.88%Cost of funding earning assets
3.95%Net interest margin
0.83%Noninterest income to earning assets
3.78%Noninterest expense to earning assets
0.62%Net operating income to assets
0.23%Return on assets (ROA)
0.23%Pretax return on assets
2.27%Return on equity (ROE)
0.21%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
113.41%Credit loss provision to net charge-offs
3.83%Efficiency ratio
79,119Assets per employee
3.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.58%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
58.35%Noncurrent assets plus other real estate owned to assets
7.36%Noncurrent loans to loans
2.03%Net loans and leases to deposits
63.61%Net loans and leases to core deposits
69.99%Equity capital to assets
9.93%Core capital (leverage) ratio
10.03%Tier 1 risk-based capital ratio
11.52%Total risk-based capital ratio
Memoranda
$12Average assets
$120,464Average earning assets
$12,155Average equity
$105,949Average 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
$1,492Managed Assets
1Number of Accounts
$217Personal trust and agency accounts
$217Employee 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
5Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,275Other retirement accounts
$1,275Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

3 Mississippi Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6260	Citizens Bank & Trust Co.	239 East Main St, Marks, MS 38646	August 17, 1917	Full Service Brick and Mortar
3	12349	Tunica Branch	Main Street, Tunica, MS 38676	November 01, 1961	Full Service Brick and Mortar
5	445620	Walls Branch	6851 Highway 301, Walls, MS 38680	October 03, 2005	Full Service Brick and Mortar

Citizens Bank & Trust Co. in Marks, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank & Trust Co. - 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 Co. in Marks, Mississippi (MS)Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank & Trust Co. - 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 Co. in Marks, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches