Citizens Bank in Byhalia, Mississippi (MS)
| Citizens Bank | |
|---|---|
| General | FDIC Certificate #: 11432 Status: Active Federal Reserve ID: 209447 Bank Holding Company (Regulatory Top Holder): Marshall Financial Corporation (RSSDID: 1119619, Location: Byhalia, MS) Date Established: November 01, 1919 WWW: http://www.citizensbyhalia.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 #: 7301 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: 8077 State Highway 178, Byhalia, MS 38611 County: Marshall Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Memphis Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820) CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820) |
| History of Changes | Change in Location Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $70.7 mil Equity capital: $7.6 mil Deposits held in domestic offices: $62.6 mil Return on assets (ROA): 0.61% ($0.4 mil) Quarterly return on assets: 0.26% ($0.2 mil) Return on Equity (ROE): 5.75% ($0.5 mil) Quarterly return on equity: 2.43% ($0.2 mil) Net income: $0.4 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.83% ($587.1 mil) Quarterly Pretax return on assets: 0.52% ($367.8 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 28 |
| Total assets | $70,730 |
| Cash and due from depository institutions | $8,030 |
| Interest-bearing balances | $4,300 |
| Securities | $27,204 |
| Federal funds sold & reverse repurchase agreements | $899 |
| Net loans & leases | $30,944 |
| Loan loss allowance | $384 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $883 |
| Other real estate owned | $60 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,710 |
| Life insurance assets | $70,730 |
| Total liabilities and capital | $63,113 |
| Total liabilities | $62,590 |
| Total deposits | $50,901 |
| Interest-bearing deposits | $62,590 |
| Deposits held in domestic offices | $99 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $523 |
| All other liabilities | $7,617 |
| Total equity capital | $7,617 |
| Total bank equity capital | $7,617 |
| Perpetual preferred stock | $0 |
| Common stock | $135 |
| Surplus | $6,000 |
| Undivided profits | $1,482 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $305 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $480 |
| Average Assets, year-to-date | $63,347 |
| Average Assets, quarterly | $22,303 |
| Volatile liabilities | $70,099 |
| Insider loans | $71,340 |
| FHLB advances | $37,585 |
| Loans and leases held for sale | $71,128 |
| Unused loan commitments | $1,564 |
| Tier 1 (core) risk-based capital | $215 |
| Tier 2 risk-based capital | $7,163 |
| Total risk weighted assets | $1,349 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $1,769 |
| Derivatives | $304 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,081 |
| Total interest expense | $596 |
| Net interest income | $2,485 |
| Provision for loan and lease losses | $135 |
| Total noninterest income | $670 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $445 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $225 |
| Total noninterest expense | $2,442 |
| Salaries and employee benefits | $1,328 |
| Premises and equipment expense | $428 |
| Additional noninterest expense | $686 |
| Pre-tax net operating income | $578 |
| Securities gains (losses) | $2 |
| Applicable income taxes | $153 |
| Income before extraordinary items | $427 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $427 |
| Net charge-offs | $0 |
| Cash dividends | $427 |
| Sale, conversion, retirement of capital stock, net | $100 |
| Net operating income | $200 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.87% |
| Cost of funding earning assets | 0.94% |
| Net interest margin | 3.92% |
| Noninterest income to earning assets | 1.06% |
| Noninterest expense to earning assets | 3.86% |
| Net operating income to assets | 0.61% |
| Return on assets (ROA) | 0.61% |
| Pretax return on assets | 0.83% |
| Return on equity (ROE) | 5.75% |
| Retained earnings to average equity (YTD only) | 3.05% |
| Net charge-offs to loans | 0.31% |
| Credit loss provision to net charge-offs | 135.00% |
| Efficiency ratio | 7.13% |
| Assets per employee | $77,401 |
| Cash dividends to net income (YTD only) | 2.53% |
| Condition Ratios (%) | |
| Loss allowance to loans | 46.84% |
| Loss allowance to noncurrent loans | 1.23% |
| Noncurrent assets plus other real estate owned to assets | 125.90% |
| Noncurrent loans to loans | 0.52% |
| Net loans and leases to deposits | 0.97% |
| Net loans and leases to core deposits | 49.44% |
| Equity capital to assets | 50.48% |
| Core capital (leverage) ratio | 10.77% |
| Tier 1 risk-based capital ratio | 10.07% |
| Total risk-based capital ratio | 19.06% |
| Memoranda | |
| Average assets | $20 |
| Average earning assets | $70,099 |
| Average equity | $7,431 |
| Average loans | $63,319 |
| 3 Mississippi Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 7301 | Citizens Bank | 8077 State Highway 178, Byhalia, MS 38611 | November 01, 1919 | Full Service Brick and Mortar |  |
| 1 | 224625 | Barton Branch | 3441 Highway 309 North, Byhalia, MS 38611 | September 24, 1974 | Full Service Brick and Mortar |  |
| 2 | 224626 | Victoria Branch | Highway 78, Victoria, MS 38679 | November 19, 1974 | Full Service Brick and Mortar | |
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