The Citizens Bank Company in Beverly, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Citizens Bank Company in Beverly, Ohio (OH)
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The Citizens Bank Company routing number info

The Citizens Bank Company - Overview

  • General
  • FDIC Certificate #: 10266
    Status: Active
    Federal Reserve ID: 1010015
    Bank Holding Company (Regulatory Top Holder): Muskingum Valley Bancshares, Inc. (RSSDID: 1071856, Location: Beverly, OH)
    Date Established: January 01, 1863
    WWW: http://www.thecitizens.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 6579
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: Ullman And Fifth Streets, Beverly, OH 45715
    County: Washington
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Parkersburg-Marietta, WV-OH (#6020)
    Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620)
    CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $94.4 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $79.9 mil
    Return on assets (ROA): 1.05% ($1.0 mil)
    Quarterly return on assets: 1.13% ($1.1 mil)
    Return on Equity (ROE): 9.05% ($1.0 mil)
    Quarterly return on equity: 9.37% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.30% ($1,226.6 mil)
    Quarterly Pretax return on assets: 1.18% ($1,113.4 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
  • 34Total employees (full-time equivalent)
  • $94,356Total assets
  • $3,228Cash and due from depository institutions
  • $22Interest-bearing balances
  • $40,168Securities
  • $76Federal funds sold & reverse repurchase agreements
  • $48,312Net loans & leases
  • $594Loan loss allowance
  • $0Trading account assets
  • $1,334Bank premises and fixed assets
  • $136Other real estate owned
  • $0Goodwill and other intangibles
  • $94,356Life insurance assets
  • $1,102All other assets
  • $82,904Total liabilities and capital
  • $79,888Total liabilities
  • $68,420Total deposits
  • $79,888Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,090Trading liabilities
  • $0Other borrowed funds
  • $926Subordinated debt
  • $11,452All other liabilities
  • $11,452Total equity capital
  • $11,452Total bank equity capital
  • $0Perpetual preferred stock
  • $913Common stock
  • $1,112Surplus
  • $9,427Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $436Income earned, not collected on loans
  • $0Earning assets
  • $432Long-term assets (5+ years)
  • $88,578Average Assets, year-to-date
  • $37,208Average Assets, quarterly
  • $92,059Volatile liabilities
  • $93,829Insider loans
  • $52,065FHLB advances
  • $93,991Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,459Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,542Restructured Loans and leases
  • $409Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,476Total interest income
  • $855Total interest expense
  • $3,621Net interest income
  • $117Provision for loan and lease losses
  • $507Total noninterest income
  • $0Fiduciary activities
  • $204Service charges on deposit accounts
  • $0Trading account gains & fees
  • $303Additional noninterest income
  • $2,896Total noninterest expense
  • $1,430Salaries and employee benefits
  • $474Premises and equipment expense
  • $992Additional noninterest expense
  • $1,115Pre-tax net operating income
  • $78Securities gains (losses)
  • $230Applicable income taxes
  • $963Income before extraordinary items
  • $0Extraordinary gains - net
  • $963Net income attributable to bank
  • $0Net charge-offs
  • $963Cash dividends
  • $122Sale, conversion, retirement of capital stock, net
  • $561Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 9.05%Return on equity (ROE)
  • 3.78%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 95.90%Credit loss provision to net charge-offs
  • 10.10%Efficiency ratio
  • 70,155Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.26%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 136.24%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 60.47%Net loans and leases to core deposits
  • 60.47%Equity capital to assets
  • 12.14%Core capital (leverage) ratio
  • 11.13%Tier 1 risk-based capital ratio
  • 20.09%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $92,059Average earning assets
  • $10,644Average equity
  • $87,219Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06579The Citizens Bank CompanyUllman And Fifth Streets, Beverly, OH 45715January 01, 1863Full Service Brick and Mortar
    1222093Marietta Branch110 Second Street, Marietta, OH 45750July 24, 1996Full Service Brick and Mortar

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