First Citizens Bank in city_name, state_name - Detailed Financial Reports, Location

First Citizens Bank in Glennville, Georgia (GA)
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First Citizens Bank routing number info

First Citizens Bank - Overview

General
FDIC Certificate #: 15926
Status: Active
Federal Reserve ID: 376433
Bank Holding Company (Regulatory Top Holder): Citizens Investors, Llc (RSSDID: 3813443, Location: Savannah, GA)
Date Established: July 01, 1937
WWW: http://www.firstcitizens.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 13310
FDIC's unique #: 10158
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 04, 1943
Last Structure Change Effective Date: October 01, 2009
Last Structure Change Process Date: March 31, 2011
Last Data Update: March 31, 2011
Data Source Date: April 05, 2012
Location
Address: 205 South Veterans Blvd, Glennville, GA 30427
County: Tattnall
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Savannah
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
History of Changes
Change in Location
Financial Summary
Total assets: $99.0 mil
Equity capital: $10.0 mil
Deposits held in domestic offices: $87.8 mil
Return on assets (ROA): -5.08% (-$5.0 mil)
Quarterly return on assets: -14.31% (-$14.2 mil)
Return on Equity (ROE): -50.45% (-$5.0 mil)
Quarterly return on equity: -142.94% (-$14.3 mil)
Net income: -$5.5 mil
Quarterly Net income: -$3.6 mil
Pretax return on assets: -5.08% (-$5,031.4 mil)
Quarterly Pretax return on assets: -14.31% (-$14,173.2 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
29Total employees (full-time equivalent)
$99,044Total assets
$10,682Cash and due from depository institutions
$8,576Interest-bearing balances
$17,850Securities
$0Federal funds sold & reverse repurchase agreements
$58,318Net loans & leases
$1,291Loan loss allowance
$0Trading account assets
$5,286Bank premises and fixed assets
$832Other real estate owned
$0Goodwill and other intangibles
$99,044Life insurance assets
$6,076All other assets
$89,064Total liabilities and capital
$87,807Total liabilities
$76,854Total deposits
$87,807Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,257Subordinated debt
$9,980All other liabilities
$9,980Total equity capital
$9,980Total bank equity capital
$0Perpetual preferred stock
$203Common stock
$16,434Surplus
$-6,657Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$292Income earned, not collected on loans
$0Earning assets
$460Long-term assets (5+ years)
$84,744Average Assets, year-to-date
$13,888Average Assets, quarterly
$108,135Volatile liabilities
$100,969Insider loans
$67,758FHLB advances
$98,543Loans and leases held for sale
$2,805Unused loan commitments
$133Tier 1 (core) risk-based capital
$8,072Tier 2 risk-based capital
$0Total risk weighted assets
$2,672Total unused commitments
$1,858Restructured Loans and leases
$3,062Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,545Total interest income
$1,329Total interest expense
$3,216Net interest income
$2,597Provision for loan and lease losses
-$1,853Total noninterest income
$0Fiduciary activities
$632Service charges on deposit accounts
$0Trading account gains & fees
-$2,485Additional noninterest income
$4,294Total noninterest expense
$2,024Salaries and employee benefits
$546Premises and equipment expense
$1,724Additional noninterest expense
-$5,528Pre-tax net operating income
$31Securities gains (losses)
$0Applicable income taxes
-$5,497Income before extraordinary items
$0Extraordinary gains - net
-$5,497Net income attributable to bank
$0Net charge-offs
-$5,497Cash dividends
$2,842Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.00%Yield on earning assets
1.46%Cost of funding earning assets
3.54%Net interest margin
-2.04%Noninterest income to earning assets
4.72%Noninterest expense to earning assets
-5.11%Net operating income to assets
-5.08%Return on assets (ROA)
-5.08%Pretax return on assets
-50.45%Return on equity (ROE)
-50.45%Retained earnings to average equity (YTD only)
4.40%Net charge-offs to loans
91.38%Credit loss provision to net charge-offs
-1.03%Efficiency ratio
315,040Assets per employee
3.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.17%Loss allowance to noncurrent loans
442.12%Noncurrent assets plus other real estate owned to assets
1.64%Noncurrent loans to loans
0.49%Net loans and leases to deposits
66.42%Net loans and leases to core deposits
68.57%Equity capital to assets
10.08%Core capital (leverage) ratio
8.19%Tier 1 risk-based capital ratio
11.91%Total risk-based capital ratio
Memoranda
$13Average assets
$108,135Average earning assets
$10,897Average equity
$90,949Average loans

List of branches

3 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	10158	First Citizens Bank	205 South Veterans Blvd, Glennville, GA 30427	July 01, 1937	Full Service Brick and Mortar
1	235943	Reidsville Branch	176 S Main Street, Reidsville, GA 30453	December 17, 1973	Full Service Brick and Mortar
2	235944	Liberty County Branch	119 East General Screven Way, Hinesville, GA 31313	December 04, 1996	Full Service Brick and Mortar

First Citizens Bank in Glennville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Citizens Bank - 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:

First Citizens Bank in Glennville, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Citizens Bank - 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:

First Citizens Bank in Glennville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches