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

Citizens Bank & Trust, Inc. in Trenton, Georgia (GA), AL
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Citizens Bank & Trust, Inc. - Overview

General
FDIC Certificate #: 27153
Status: Active
Federal Reserve ID: 1163283
Date Established: January 18, 1988
WWW: http://www.citizensbanktrenton.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 3 (Domestic: 3, Interstate: Yes)
OTS Docket #: 13138
FDIC's unique #: 38968
Numeric code: 33
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Consumer Lending Specialization
Date of Deposit Insurance: Febuary 01, 1996
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 12255 South Main Street, Trenton, GA 30752
County: Dade
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Atlanta
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Chattanooga, TN-GA (#1560)
Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $91.4 mil
Equity capital: $9.2 mil
Deposits held in domestic offices: $80.3 mil
Return on assets (ROA): 0.85% ($0.8 mil)
Quarterly return on assets: 1.34% ($1.2 mil)
Return on Equity (ROE): 8.72% ($0.8 mil)
Quarterly return on equity: 13.58% ($1.2 mil)
Net income: $0.8 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.26% ($1,152.2 mil)
Quarterly Pretax return on assets: 1.57% ($1,435.7 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
42Total employees (full-time equivalent)
$91,443Total assets
$9,072Cash and due from depository institutions
$13Interest-bearing balances
$16,215Securities
$250Federal funds sold & reverse repurchase agreements
$59,690Net loans & leases
$918Loan loss allowance
$0Trading account assets
$1,795Bank premises and fixed assets
$1,008Other real estate owned
$0Goodwill and other intangibles
$91,443Life insurance assets
$3,413All other assets
$82,217Total liabilities and capital
$80,339Total liabilities
$71,722Total deposits
$80,339Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,878Subordinated debt
$9,226All other liabilities
$9,226Total equity capital
$9,226Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$1,281Surplus
$6,445Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$775Income earned, not collected on loans
$0Earning assets
$433Long-term assets (5+ years)
$76,168Average Assets, year-to-date
$0Average Assets, quarterly
$92,178Volatile liabilities
$93,355Insider loans
$54,568FHLB advances
$91,253Loans and leases held for sale
$1,830Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,036Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,462Restructured Loans and leases
$491Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,724Total interest income
$889Total interest expense
$3,835Net interest income
$521Provision for loan and lease losses
$1,160Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,160Additional noninterest income
$3,315Total noninterest expense
$2,124Salaries and employee benefits
$471Premises and equipment expense
$720Additional noninterest expense
$1,159Pre-tax net operating income
$0Securities gains (losses)
$376Applicable income taxes
$783Income before extraordinary items
$0Extraordinary gains - net
$783Net income attributable to bank
$0Net charge-offs
$783Cash dividends
$383Sale, conversion, retirement of capital stock, net
$270Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.21%Yield on earning assets
1.17%Cost of funding earning assets
5.04%Net interest margin
1.52%Noninterest income to earning assets
4.36%Noninterest expense to earning assets
0.85%Net operating income to assets
0.85%Return on assets (ROA)
1.26%Pretax return on assets
8.72%Return on equity (ROE)
5.71%Retained earnings to average equity (YTD only)
0.61%Net charge-offs to loans
136.03%Credit loss provision to net charge-offs
4.39%Efficiency ratio
66,366Assets per employee
2.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.48%Loss allowance to loans
1.51%Loss allowance to noncurrent loans
118.45%Noncurrent assets plus other real estate owned to assets
1.95%Noncurrent loans to loans
1.28%Net loans and leases to deposits
74.30%Net loans and leases to core deposits
75.70%Equity capital to assets
10.09%Core capital (leverage) ratio
9.90%Tier 1 risk-based capital ratio
16.56%Total risk-based capital ratio
Memoranda
$18Average assets
$92,178Average earning assets
$8,982Average equity
$76,113Average loans

List of branches

1 Alabama Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
4	261236	Sand Mountain Branch	29316 Alabama Highway 71, Higdon, AL 35979	June 01, 1996	Full Service Brick and Mortar

2 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	38968	Citizens Bank & Trust, Inc.	12255 South Main Street, Trenton, GA 30752	January 18, 1988	Full Service Brick and Mortar
3	261235	Lookout Mountain Branch	107 Mcfarland Road, Lookout Mountain, GA 30750	September 14, 1990	Full Service Brick and Mortar

Jandle Holley

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I bought stock in bank 30 years ago and have never received any dividends or ever been contacted by the bank in any form about my stock. What is the stock worth on the current market today

Citizens Bank & Trust, Inc. in Trenton, Georgia (GA), AL
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank & Trust, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Citizens Bank & Trust, Inc. in Trenton, Georgia (GA), ALOverview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank & Trust, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Citizens Bank & Trust, Inc. in Trenton, Georgia (GA), AL
Overview, Financial Summary, Detailed Financial Reports, Branches