The Citizens Bank in Prattville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 26, 1994

The Citizens Bank in Prattville, Alabama (AL)
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The Citizens Bank - Overview

General
FDIC Certificate #: 18006
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Peoples Bank & Trust Company (#860)
Federal Reserve ID: 469139
Date Established: June 05, 1959
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 11936
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: June 05, 1959
Last Structure Change Effective Date: Febuary 26, 1994
Last Structure Change Process Date: March 30, 1994
Last Data Update: March 30, 1994
Data Source Date: April 05, 2012
Location
Address: 148 East Main Street, Prattville, AL 36067
County: Autauga
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Montgomery
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Montgomery, AL (#5240)
Combined Statistical Area (CSA): Montgomery-Alexander City, AL (#388)
Core Based Statistical Area (CBSA): Montgomery, AL (#33860)
CBSA Metro Statistical Area: Montgomery, AL (#33860)
Financial Summary
Total assets: $51.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$30Total assets
$51,143Cash and due from depository institutions
$2,386Interest-bearing balances
$0Securities
$33,120Federal funds sold & reverse repurchase agreements
$1,950Net loans & leases
$12,355Loan loss allowance
$196Trading account assets
$0Bank premises and fixed assets
$633Other real estate owned
$0Goodwill and other intangibles
$699Life insurance assets
$0All other assets
$0Total liabilities and capital
$51,143Total liabilities
$45,120Total deposits
$44,883Interest-bearing deposits
$39,480Deposits held in domestic offices
44883.00%% insured (estimated)
$86Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$67Subordinated debt
$0All other liabilities
$170Total equity capital
$170Total bank equity capital
$6,023Perpetual preferred stock
$0Common stock
$325Surplus
$325Undivided profits
Memoranda
$5,373Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$164Income earned, not collected on loans
$73Earning assets
$47,425Long-term assets (5+ years)
$8,515Average Assets, year-to-date
$50,308Average Assets, quarterly
$52,069Volatile liabilities
$1,382Insider loans
$219FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$719Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,023Total risk weighted assets
$21,396Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$3,553Total interest expense
$1,672Net interest income
$1,881Provision for loan and lease losses
$44Total noninterest income
$456Fiduciary activities
$0Service charges on deposit accounts
$379Trading account gains & fees
$0Additional noninterest income
$77Total noninterest expense
$1,489Salaries and employee benefits
$953Premises and equipment expense
$151Additional noninterest expense
$385Pre-tax net operating income
$804Securities gains (losses)
$76Applicable income taxes
$254Income before extraordinary items
$626Extraordinary gains - net
$0Net income attributable to bank
$626Net charge-offs
$36Cash dividends
$210Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.65%Cost of funding earning assets
3.60%Net interest margin
4.05%Noninterest income to earning assets
0.98%Noninterest expense to earning assets
3.21%Net operating income to assets
1.14%Return on assets (ROA)
1.24%Pretax return on assets
1.75%Return on equity (ROE)
10.71%Retained earnings to average equity (YTD only)
7.11%Net charge-offs to loans
0.30%Credit loss provision to net charge-offs
122.22%Efficiency ratio
63,714Assets per employee
1.70%Cash dividends to net income (YTD only)
Condition Ratios (%)
33.55%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
119.51%Noncurrent assets plus other real estate owned to assets
0.32%Noncurrent loans to loans
1.31%Net loans and leases to deposits
27.53%Net loans and leases to core deposits
28.36%Equity capital to assets
11.78%Core capital (leverage) ratio
11.30%Tier 1 risk-based capital ratio
28.15%Total risk-based capital ratio
Memoranda
$29Average assets
$50,308Average earning assets
$5,847Average equity
$46,445Average loans

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