Citizens Bank & Trust Company in Eastman, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens Bank & Trust Company in Eastman, Georgia (GA)
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Citizens Bank & Trust Company routing number info

Citizens Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 16780
    Status: Active
    Federal Reserve ID: 364131
    Bank Holding Company (Regulatory Top Holder): Citizens Corporation (RSSDID: 1129805, Location: Eastman, GA)
    Date Established: January 01, 1934
    WWW: http://www.citizensbankandtrust.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12612
    FDIC's unique #: 10891
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: April 01, 1949
    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: 5101 Fifth Avenue, Eastman, GA 31023
    County: Dodge
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $145.5 mil
    Equity capital: $7.1 mil
    Deposits held in domestic offices: $128.1 mil
    Return on assets (ROA): -1.19% (-$1.7 mil)
    Quarterly return on assets: -1.64% (-$2.4 mil)
    Return on Equity (ROE): -26.30% (-$1.8 mil)
    Quarterly return on equity: -32.87% (-$2.3 mil)
    Net income: -$1.9 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -1.19% (-$1,731.9 mil)
    Quarterly Pretax return on assets: -1.64% (-$2,386.9 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
  • 52Total employees (full-time equivalent)
  • $145,540Total assets
  • $15,063Cash and due from depository institutions
  • $12,787Interest-bearing balances
  • $30,399Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $81,309Net loans & leases
  • $2,107Loan loss allowance
  • $0Trading account assets
  • $6,186Bank premises and fixed assets
  • $7,950Other real estate owned
  • $0Goodwill and other intangibles
  • $145,540Life insurance assets
  • $4,633All other assets
  • $138,455Total liabilities and capital
  • $128,112Total liabilities
  • $102,460Total deposits
  • $128,112Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,687Trading liabilities
  • $0Other borrowed funds
  • $1,656Subordinated debt
  • $7,085All other liabilities
  • $7,085Total equity capital
  • $7,085Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $9,650Surplus
  • $-2,765Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,720Income earned, not collected on loans
  • $0Earning assets
  • $945Long-term assets (5+ years)
  • $124,495Average Assets, year-to-date
  • $24,958Average Assets, quarterly
  • $159,320Volatile liabilities
  • $146,351Insider loans
  • $90,727FHLB advances
  • $146,573Loans and leases held for sale
  • $2,241Unused loan commitments
  • $2,241Tier 1 (core) risk-based capital
  • $7,540Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,822Restructured Loans and leases
  • $4,800Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,129Total interest income
  • $1,951Total interest expense
  • $5,178Net interest income
  • $2,255Provision for loan and lease losses
  • $228Total noninterest income
  • $0Fiduciary activities
  • $765Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$537Additional noninterest income
  • $5,020Total noninterest expense
  • $2,380Salaries and employee benefits
  • $853Premises and equipment expense
  • $1,787Additional noninterest expense
  • -$1,869Pre-tax net operating income
  • -$25Securities gains (losses)
  • $0Applicable income taxes
  • -$1,894Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,894Net income attributable to bank
  • $0Net charge-offs
  • -$1,894Cash dividends
  • $2,700Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 3.64%Noninterest expense to earning assets
  • -1.17%Net operating income to assets
  • -1.19%Return on assets (ROA)
  • -1.19%Pretax return on assets
  • -26.30%Return on equity (ROE)
  • -26.30%Retained earnings to average equity (YTD only)
  • 2.83%Net charge-offs to loans
  • 83.52%Credit loss provision to net charge-offs
  • 0.14%Efficiency ratio
  • 92,860Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.53%Loss allowance to noncurrent loans
  • 44.64%Noncurrent assets plus other real estate owned to assets
  • 8.71%Noncurrent loans to loans
  • 5.66%Net loans and leases to deposits
  • 63.47%Net loans and leases to core deposits
  • 64.56%Equity capital to assets
  • 4.87%Core capital (leverage) ratio
  • 5.14%Tier 1 risk-based capital ratio
  • 8.31%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $159,320Average earning assets
  • $7,203Average equity
  • $137,858Average loans

List of branches

  • 6 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    010891Citizens Bank & Trust Company5101 Fifth Avenue, Eastman, GA 31023January 01, 1934Full Service Brick and Mortar
    310774Rhine Branch390 Second Street, Rhine, GA 31077May 22, 1918Full Service Brick and Mortar
    4238804Limited Service Facility100 Fifth Avenue, Eastman, GA 31023July 06, 1987Limited Service Facility
    5238805Cochran Branch127 South Sixth Street, Cochran, GA 31014August 01, 1999Full Service Brick and Mortar
    6419404Helena Branch107 Eighth Street, Helena, GA 31037May 05, 2003Full Service Brick and Mortar
    7493383Citizens Bank & Trust Branch1041 Highway 96, Warner Robins, GA 31088March 30, 2009Full Service Brick and Mortar

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