Citizens Bank & Trust Company in Saint Paul, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens Bank & Trust Company in Saint Paul, Nebraska (NE)
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Citizens Bank & Trust Company routing number info

Citizens Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 5469
    Status: Active
    Federal Reserve ID: 925055
    Bank Holding Company (Regulatory Top Holder): Howard County Land And Cattle Co. (RSSDID: 1051401, Location: Spearfish, SD)
    Date Established: January 01, 1888
    WWW: http://www.bankwithcitizens.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14676
    FDIC's unique #: 3703
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 26, 2011
    Last Structure Change Process Date: April 26, 2011
    Last Data Update: April 26, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 721 Seventh Street, Saint Paul, NE 68873
    County: Howard
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Island
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Grand Island, NE (#24260)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $115.4 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $98.2 mil
    Return on assets (ROA): 1.61% ($1.9 mil)
    Quarterly return on assets: 1.34% ($1.5 mil)
    Return on Equity (ROE): 16.66% ($1.8 mil)
    Quarterly return on equity: 13.44% ($1.5 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.99% ($2,295.7 mil)
    Quarterly Pretax return on assets: 1.57% ($1,811.2 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
  • 28Total employees (full-time equivalent)
  • $115,364Total assets
  • $4,125Cash and due from depository institutions
  • $720Interest-bearing balances
  • $25,454Securities
  • $1,315Federal funds sold & reverse repurchase agreements
  • $80,503Net loans & leases
  • $939Loan loss allowance
  • $0Trading account assets
  • $847Bank premises and fixed assets
  • $0Other real estate owned
  • $66Goodwill and other intangibles
  • $115,364Life insurance assets
  • $3,054All other assets
  • $103,900Total liabilities and capital
  • $98,207Total liabilities
  • $84,180Total deposits
  • $98,207Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,769Trading liabilities
  • $0Other borrowed funds
  • $924Subordinated debt
  • $11,464All other liabilities
  • $11,464Total equity capital
  • $11,464Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $6,500Surplus
  • $4,464Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $173Income earned, not collected on loans
  • $0Earning assets
  • $2,053Long-term assets (5+ years)
  • $107,992Average Assets, year-to-date
  • $28,903Average Assets, quarterly
  • $113,217Volatile liabilities
  • $114,910Insider loans
  • $91,713FHLB advances
  • $114,199Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,360Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,210Restructured Loans and leases
  • $2,687Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,042Total interest income
  • $1,066Total interest expense
  • $4,976Net interest income
  • $50Provision for loan and lease losses
  • $344Total noninterest income
  • $6Fiduciary activities
  • $200Service charges on deposit accounts
  • $0Trading account gains & fees
  • $138Additional noninterest income
  • $3,015Total noninterest expense
  • $1,775Salaries and employee benefits
  • $252Premises and equipment expense
  • $988Additional noninterest expense
  • $2,255Pre-tax net operating income
  • $0Securities gains (losses)
  • $427Applicable income taxes
  • $1,828Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,828Net income attributable to bank
  • $0Net charge-offs
  • $1,828Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.67%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.67%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 1.61%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.99%Pretax return on assets
  • 16.66%Return on equity (ROE)
  • 10.28%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 161.29%Credit loss provision to net charge-offs
  • 74.35%Efficiency ratio
  • 56,673Assets per employee
  • 4.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.29%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 542.77%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 81.97%Net loans and leases to core deposits
  • 84.35%Equity capital to assets
  • 9.94%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 12.39%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $113,217Average earning assets
  • $10,970Average equity
  • $106,575Average 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
  • $795Managed Assets
  • 1Number of Accounts
  • $795Personal trust and agency accounts
  • $795Employee 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
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    03703Citizens Bank & Trust Company721 Seventh Street, Saint Paul, NE 68873January 01, 1888Full Service Brick and Mortar
    1360734Citizens Bank In Loup City Branch133 South 7th Street, Loup City, NE 68853January 28, 2002Full Service Brick and Mortar
    211898Central Bank Branch1634 16th Street, Central City, NE 68826Febuary 16, 1959Full Service Brick and Mortar

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