Citizens Bank of Ada in city_name, state_name - Detailed Financial Reports, Location

Citizens Bank of Ada in Ada, Oklahoma (OK)
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Citizens Bank of Ada routing number info

Citizens Bank of Ada - Overview

General
FDIC Certificate #: 19679
Status: Active
Federal Reserve ID: 807656
Bank Holding Company (Regulatory Top Holder): Citizensada Financial Corporation (RSSDID: 3435229, Location: Ada, OK)
Date Established: Febuary 20, 1967
WWW: http://www.citizensada.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 13478
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: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 20, 1967
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: 123 West 12th Street, Ada, OK 74820
County: Pontotoc
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Ada, OK (#10220)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $203.4 mil
Equity capital: $17.1 mil
Deposits held in domestic offices: $164.4 mil
Return on assets (ROA): 0.65% ($1.3 mil)
Quarterly return on assets: 0.70% ($1.4 mil)
Return on Equity (ROE): 7.51% ($1.3 mil)
Quarterly return on equity: 8.07% ($1.4 mil)
Net income: $1.3 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.66% ($1,342.6 mil)
Quarterly Pretax return on assets: 0.70% ($1,423.9 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
79Total employees (full-time equivalent)
$203,418Total assets
$20,343Cash and due from depository institutions
$11,390Interest-bearing balances
$38,833Securities
$25,245Federal funds sold & reverse repurchase agreements
$109,726Net loans & leases
$670Loan loss allowance
$0Trading account assets
$2,841Bank premises and fixed assets
$756Other real estate owned
$0Goodwill and other intangibles
$203,418Life insurance assets
$5,674All other assets
$186,362Total liabilities and capital
$164,400Total liabilities
$97,281Total deposits
$164,400Interest-bearing deposits
$98Deposits held in domestic offices
12428.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9,266Trading liabilities
$0Other borrowed funds
$268Subordinated debt
$17,056All other liabilities
$17,056Total equity capital
$17,056Total bank equity capital
$0Perpetual preferred stock
$1,650Common stock
$2,249Surplus
$13,157Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,039Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$926Income earned, not collected on loans
$0Earning assets
$762Long-term assets (5+ years)
$185,194Average Assets, year-to-date
$39,127Average Assets, quarterly
$199,790Volatile liabilities
$204,175Insider loans
$117,426FHLB advances
$201,255Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,521Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,153Restructured Loans and leases
$4,972Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,104Total interest income
$1,187Total interest expense
$6,917Net interest income
$182Provision for loan and lease losses
$2,429Total noninterest income
$0Fiduciary activities
$1,146Service charges on deposit accounts
$0Trading account gains & fees
$1,283Additional noninterest income
$7,850Total noninterest expense
$4,355Salaries and employee benefits
$775Premises and equipment expense
$2,720Additional noninterest expense
$1,314Pre-tax net operating income
$0Securities gains (losses)
$12Applicable income taxes
$1,302Income before extraordinary items
$0Extraordinary gains - net
$1,302Net income attributable to bank
$0Net charge-offs
$1,302Cash dividends
$249Sale, conversion, retirement of capital stock, net
$1,264Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.46%Yield on earning assets
0.65%Cost of funding earning assets
3.81%Net interest margin
1.34%Noninterest income to earning assets
4.32%Noninterest expense to earning assets
0.65%Net operating income to assets
0.65%Return on assets (ROA)
0.66%Pretax return on assets
7.51%Return on equity (ROE)
0.22%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
73.09%Credit loss provision to net charge-offs
6.01%Efficiency ratio
83,726Assets per employee
2.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
97.08%Loss allowance to loans
0.61%Loss allowance to noncurrent loans
72.35%Noncurrent assets plus other real estate owned to assets
0.83%Noncurrent loans to loans
0.84%Net loans and leases to deposits
66.74%Net loans and leases to core deposits
68.98%Equity capital to assets
8.38%Core capital (leverage) ratio
8.21%Tier 1 risk-based capital ratio
14.07%Total risk-based capital ratio
Memoranda
$15Average assets
$199,790Average earning assets
$17,331Average equity
$181,762Average loans

List of branches

4 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	13478	Citizens Bank Of Ada	123 West 12th Street, Ada, OK 74820	Febuary 20, 1967	Full Service Brick and Mortar
1	364102	Ada Arlington Branch	1717 Arlington Blvd, Ada, OK 74821	January 16, 2002	Full Service Brick and Mortar
2	445588	Ada Wal-Mart Branch	1419 N. Country Club Rd., Ada, OK 74820	October 17, 2005	Full Service Brick and Mortar
3	491609	South Ada Branch	1400 S. Cradduck Road, Ada, OK 74820	December 30, 2008	Full Service Brick and Mortar

Citizens Bank of Ada in Ada, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank of Ada - 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 of Ada in Ada, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank of Ada - 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 of Ada in Ada, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches