The Citizens Bank of Philadelphia, Mississippi in Philadelphia, Mississippi (MS)
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The Citizens Bank of Philadelphia, Mississippi routing number info
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| The Citizens Bank of Philadelphia, Mississippi | |
|---|---|
| General | FDIC Certificate #: 12204 Status: Active Federal Reserve ID: 29636 Bank Holding Company (Regulatory Top Holder): Citizens Holding Company (RSSDID: 1083475, Location: Philadelphia, MS) Date Established: January 01, 1908 WWW: http://www.thecitizensbankphila.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 23 (Domestic: 23, Interstate: No) OTS Docket #: 10889 FDIC's unique #: 7752 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: 521 Main Street, Philadelphia, MS 39350 County: Neshoba Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Jackson Ms Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $853.7 mil Equity capital: $84.4 mil Deposits held in domestic offices: $573.8 mil Return on assets (ROA): 0.88% ($7.5 mil) Quarterly return on assets: 0.85% ($7.3 mil) Return on Equity (ROE): 9.14% ($7.7 mil) Quarterly return on equity: 8.48% ($7.1 mil) Net income: $7.3 mil Quarterly Net income: $1.8 mil Pretax return on assets: 1.05% ($8,963.4 mil) Quarterly Pretax return on assets: 0.84% ($7,170.7 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 259 |
| Total assets | $853,660 |
| Cash and due from depository institutions | $39,398 |
| Interest-bearing balances | $3,990 |
| Securities | $370,625 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $382,581 |
| Loan loss allowance | $6,681 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $20,278 |
| Other real estate owned | $4,869 |
| Goodwill and other intangibles | $3,227 |
| All other assets | $32,682 |
| Life insurance assets | $853,660 |
| Total liabilities and capital | $769,283 |
| Total liabilities | $573,755 |
| Total deposits | $456,857 |
| Interest-bearing deposits | $573,755 |
| Deposits held in domestic offices | $83 |
| % insured (estimated) | 120220.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $68,677 |
| Other borrowed funds | $0 |
| Subordinated debt | $6,631 |
| All other liabilities | $84,377 |
| Total equity capital | $84,377 |
| Total bank equity capital | $84,377 |
| Perpetual preferred stock | $0 |
| Common stock | $1 |
| Surplus | $66,452 |
| Undivided profits | $17,924 |
| 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 | $11,568 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $4,445 |
| Average Assets, year-to-date | $757,196 |
| Average Assets, quarterly | $378,801 |
| Volatile liabilities | $834,890 |
| Insider loans | $839,983 |
| FHLB advances | $481,496 |
| Loans and leases held for sale | $823,681 |
| Unused loan commitments | $20,382 |
| Tier 1 (core) risk-based capital | $17,388 |
| Tier 2 risk-based capital | $76,707 |
| Total risk weighted assets | $2,994 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $40,880 |
| Derivatives | $549 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $36,974 |
| Total interest expense | $6,645 |
| Net interest income | $30,329 |
| Provision for loan and lease losses | $2,995 |
| Total noninterest income | $6,683 |
| Fiduciary activities | $1 |
| Service charges on deposit accounts | $3,689 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $2,993 |
| Total noninterest expense | $25,963 |
| Salaries and employee benefits | $13,933 |
| Premises and equipment expense | $4,308 |
| Additional noninterest expense | $7,722 |
| Pre-tax net operating income | $8,054 |
| Securities gains (losses) | $715 |
| Applicable income taxes | $1,420 |
| Income before extraordinary items | $7,349 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $7,349 |
| Net charge-offs | $0 |
| Cash dividends | $7,349 |
| Sale, conversion, retirement of capital stock, net | $2,693 |
| Net operating income | $4,332 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.94% |
| Cost of funding earning assets | 0.89% |
| Net interest margin | 4.05% |
| Noninterest income to earning assets | 0.89% |
| Noninterest expense to earning assets | 3.47% |
| Net operating income to assets | 0.81% |
| Return on assets (ROA) | 0.88% |
| Pretax return on assets | 1.05% |
| Return on equity (ROE) | 9.14% |
| Retained earnings to average equity (YTD only) | 3.75% |
| Net charge-offs to loans | 0.66% |
| Credit loss provision to net charge-offs | 111.21% |
| Efficiency ratio | 4.10% |
| Assets per employee | $69,648 |
| Cash dividends to net income (YTD only) | 3.30% |
| Condition Ratios (%) | |
| Loss allowance to loans | 58.95% |
| Loss allowance to noncurrent loans | 1.72% |
| Noncurrent assets plus other real estate owned to assets | 57.75% |
| Noncurrent loans to loans | 1.93% |
| Net loans and leases to deposits | 2.97% |
| Net loans and leases to core deposits | 66.68% |
| Equity capital to assets | 72.00% |
| Core capital (leverage) ratio | 9.88% |
| Tier 1 risk-based capital ratio | 9.31% |
| Total risk-based capital ratio | 15.93% |
| Memoranda | |
| Average assets | $17 |
| Average earning assets | $834,890 |
| Average equity | $80,421 |
| Average loans | $748,726 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $101 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 8 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $101 |
| Corporate trust and agency accounts | $101 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 23 Mississippi Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 7752 | The Citizens Bank Of Philadelphia, Mississippi | 521 Main Street, Philadelphia, MS 39350 | January 01, 1908 | Full Service Brick and Mortar |  |
| 1 | 226664 | West Side Drive-In Branch | 912 West Beacon Street, Philadelphia, MS 39350 | November 06, 1972 | Full Service Brick and Mortar |  |
| 2 | 226665 | North Side Branch | Highways 15 And 19 North, Philadelphia, MS 39350 | Febuary 03, 1975 | Full Service Brick and Mortar | |
| 4 | 226667 | Union Branch | Bank And Horne Streets, Union, MS 39365 | May 11, 1981 | Full Service Brick and Mortar | |
| 5 | 226668 | East Side Branch | Highways 16 East And 486, Philadelphia, MS 39350 | March 04, 1985 | Full Service Brick and Mortar | |
| 7 | 251715 | Madden Branch | Highway 488, Madden, MS 39109 | July 29, 1974 | Full Service Brick and Mortar | |
| 8 | 258 | Sebastopol Branch | 24 Pine Street, Sebastopol, MS 39359 | March 20, 1920 | Full Service Brick and Mortar | |
| 10 | 226669 | De Kalb Branch | Bell Street And Main Avenue, De Kalb, MS 39328 | August 02, 1990 | Full Service Brick and Mortar | |
| 11 | 44679 | Kosciusko Branch | 775 North Jackson Street, Kosciusko, MS 39090 | January 01, 1965 | Full Service Brick and Mortar | |
| 12 | 219075 | Scooba Branch | 1048 Johnson Street, Scooba, MS 39358 | July 13, 1934 | Full Service Brick and Mortar | |
| 13 | 360899 | Meridian Branch | 2209 Hwy 45 North, Suite E, Meridian, MS 39301 | August 03, 2000 | Full Service Brick and Mortar | |
| 14 | 225737 | Decatur Branch | 15220 Highway 15 South, Decatur, MS 39327 | January 01, 1919 | Full Service Brick and Mortar | |
| 15 | 225744 | Forest Branch | 247 Woodland Drive North, Forest, MS 39074 | December 22, 1972 | Full Service Brick and Mortar | |
| 16 | 10688 | Citizens Bank And Trust Company Bran | 100 East Main Street, Louisville, MS 39339 | January 27, 1947 | Full Service Brick and Mortar | |
| 17 | 238273 | Noxapater Branch | 45 Main Street, Noxapater, MS 39346 | November 01, 1955 | Full Service Brick and Mortar | |
| 18 | 238274 | Drive-In Teller's Window Branch | 803 South Church Avenue, Louisville, MS 39339 | April 05, 1973 | Full Service Brick and Mortar | |
| 19 | 466529 | Collinsville Branch | 9065 Collinsville Road, Collinsville, MS 39325 | July 31, 2007 | Full Service Brick and Mortar | |
| 20 | 468548 | Starkville Branch | 201 Highway 12 West, Starkville, MS 39759 | October 18, 2007 | Full Service Brick and Mortar | |
| 21 | 470518 | Meridian Mid-Town Branch | 905 22nd Avenue, Meridian, MS 39305 | January 22, 2008 | Full Service Brick and Mortar | |
| 22 | 471123 | Meridian Broadmoor Branch | 5015 Highway 493, Meridian, MS 39305 | Febuary 11, 2008 | Full Service Brick and Mortar | |
| 24 | 481545 | Hattiesburg Branch | 6222 Highway 98 West, Hattiesburg, MS 39402 | October 14, 2008 | Full Service Brick and Mortar | |
| 25 | 482988 | Carthage Branch | 301 West Main Street, Carthage, MS 39051 | November 24, 2008 | Full Service Brick and Mortar | |
| 26 | 526576 | Flowood Branch | 5419 Highway 25, Suite Q, Flowood, MS 39232 | November 15, 2011 | Full Service Brick and Mortar | |
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