Home > Citizens Bank > Assets and Liabilities
Citizens Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 136 | 1,299 |
| Assets and Liabilities | ||
| Total Assets: | $172,934,000 | 2,595 |
| Cash and due from depository institutions | $8,979,000 | 1,299 |
| Interest-bearing balances | $156,000 | 4,200 |
| Securities | $43,905,000 | 2,589 |
| Federal funds sold & reverse repurchase agreements | $680,000 | 6,941 |
| Net loans & leases | $108,854,000 | 2,545 |
| Loan loss allowance | $1,094,000 | 3,116 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $6,182,000 | 1,247 |
| Other real estate owned | $1,862,000 | 1,299 |
| Goodwill and other intangibles | $29,000 | 3,167 |
| All other assets | $2,443,000 | 2,922 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $172,934,000 | 2,595 |
| Total liabilities | $160,299,000 | 2,516 |
| Total deposits | $155,325,000 | 2,408 |
| Interest-bearing deposits | $129,413,000 | 2,498 |
| Deposits held in domestic offices | $155,325,000 | 2,400 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $960,000 | 2,700 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $2,000,000 | 2,858 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $2,014,000 | 2,011 |
| Total equity capital | $12,635,000 | 3,502 |
| Total bank equity capital | $12,635,000 | 3,502 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $863,000 | 3,735 |
| Surplus | $3,651,000 | 3,604 |
| Undivided profits | $8,121,000 | 3,061 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $854,000 | 2,801 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $796,000 | 2,908 |
| Earning assets | $153,595,000 | 2,672 |
| Long-term assets (5+ years) | $39,449,000 | 1,697 |
| Average Assets, year-to-date | $171,008,400 | 2,521 |
| Average Assets, quarterly | $170,629,000 | 2,585 |
| Volatile liabilities | $21,645,000 | 2,812 |
| Insider loans | $3,412,000 | 1,228 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $9,106,000 | 3,667 |
| Tier 1 (core) risk-based capital | $12,477,000 | 3,396 |
| Tier 2 risk-based capital | $1,094,000 | 2,701 |
| Total risk weighted assets | $108,742,600 | 2,571 |
| Total unused commitments | $9,106,000 | 3,669 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 85 | 2,198 |
| Assets and Liabilities | ||
| Total Assets: | $128,184,000 | 3,527 |
| Cash and due from depository institutions | $6,508,000 | 2,198 |
| Interest-bearing balances | $123,000 | 4,385 |
| Securities | $33,198,000 | 3,612 |
| Federal funds sold & reverse repurchase agreements | $5,028,000 | 2,562 |
| Net loans & leases | $76,309,000 | 3,558 |
| Loan loss allowance | $930,000 | 3,741 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $4,399,000 | 1,794 |
| Other real estate owned | $1,020,000 | 2,198 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,722,000 | 4,124 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $128,184,000 | 3,527 |
| Total liabilities | $119,936,000 | 3,400 |
| Total deposits | $116,560,000 | 3,265 |
| Interest-bearing deposits | $97,770,000 | 3,349 |
| Deposits held in domestic offices | $116,560,000 | 3,254 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $149,000 | 3,717 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $2,000,000 | 2,667 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,227,000 | 3,010 |
| Total equity capital | $8,248,000 | 5,111 |
| Total bank equity capital | $8,248,000 | 5,111 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $863,000 | 3,975 |
| Surplus | $1,481,000 | 6,572 |
| Undivided profits | $5,904,000 | 3,921 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,848,000 | 1,144 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $719,000 | 3,191 |
| Earning assets | $114,658,000 | 3,607 |
| Long-term assets (5+ years) | $22,655,000 | 2,439 |
| Average Assets, year-to-date | $123,373,200 | 3,499 |
| Average Assets, quarterly | $126,323,500 | 3,530 |
| Volatile liabilities | $14,799,000 | 3,655 |
| Insider loans | $2,552,000 | 1,681 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $5,094,000 | 5,042 |
| Tier 1 (core) risk-based capital | $8,318,000 | 4,960 |
| Tier 2 risk-based capital | $930,000 | 3,185 |
| Total risk weighted assets | $81,499,000 | 3,363 |
| Total unused commitments | $5,094,000 | 5,056 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 82 | 2,378 |
| Assets and Liabilities | ||
| Total Assets: | $120,845,000 | 3,704 |
| Cash and due from depository institutions | $5,341,000 | 2,378 |
| Interest-bearing balances | $1,000 | 6,796 |
| Securities | $37,827,000 | 3,343 |
| Federal funds sold & reverse repurchase agreements | $2,095,000 | 5,429 |
| Net loans & leases | $68,044,000 | 3,843 |
| Loan loss allowance | $937,000 | 3,742 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $4,589,000 | 1,678 |
| Other real estate owned | $1,256,000 | 2,378 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,693,000 | 4,192 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $120,845,000 | 3,704 |
| Total liabilities | $113,117,000 | 3,574 |
| Total deposits | $111,537,000 | 3,440 |
| Interest-bearing deposits | $93,259,000 | 3,527 |
| Deposits held in domestic offices | $111,537,000 | 3,432 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $380,000 | 3,220 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,200,000 | 3,127 |
| Total equity capital | $7,728,000 | 5,416 |
| Total bank equity capital | $7,728,000 | 5,416 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $863,000 | 4,165 |
| Surplus | $1,481,000 | 6,659 |
| Undivided profits | $5,384,000 | 4,260 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,329,000 | 1,354 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $509,000 | 4,650 |
| Earning assets | $107,967,000 | 3,799 |
| Long-term assets (5+ years) | $22,398,000 | 2,306 |
| Average Assets, year-to-date | $119,738,400 | 3,596 |
| Average Assets, quarterly | $118,925,000 | 3,722 |
| Volatile liabilities | $12,096,000 | 3,960 |
| Insider loans | $2,431,000 | 1,800 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $4,326,000 | 5,354 |
| Tier 1 (core) risk-based capital | $7,705,000 | 5,292 |
| Tier 2 risk-based capital | $907,660 | 3,186 |
| Total risk weighted assets | $72,583,260 | 3,634 |
| Total unused commitments | $4,326,000 | 5,364 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 75 | 2,672 |
| Assets and Liabilities | ||
| Total Assets: | $115,896,000 | 3,814 |
| Cash and due from depository institutions | $4,986,000 | 2,672 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $39,137,000 | 3,350 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $63,224,000 | 4,018 |
| Loan loss allowance | $1,439,000 | 2,635 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $4,324,000 | 1,718 |
| Other real estate owned | $1,419,000 | 2,672 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,806,000 | 2,848 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $115,896,000 | 3,814 |
| Total liabilities | $109,875,000 | 3,669 |
| Total deposits | $106,526,000 | 3,567 |
| Interest-bearing deposits | $91,764,000 | 3,545 |
| Deposits held in domestic offices | $106,526,000 | 3,558 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,255,000 | 2,532 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $4,000 | 5,333 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,090,000 | 2,877 |
| Total equity capital | $6,021,000 | 6,260 |
| Total bank equity capital | $6,021,000 | 6,260 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $863,000 | 4,354 |
| Surplus | $1,481,000 | 6,743 |
| Undivided profits | $3,677,000 | 5,206 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,511,000 | 1,315 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $438,000 | 4,779 |
| Earning assets | $102,361,000 | 3,949 |
| Long-term assets (5+ years) | $25,046,000 | 2,123 |
| Average Assets, year-to-date | $115,468,400 | 3,750 |
| Average Assets, quarterly | $116,837,500 | 3,766 |
| Volatile liabilities | $18,371,000 | 2,709 |
| Insider loans | $2,108,000 | 1,993 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $4,368,000 | 5,304 |
| Tier 1 (core) risk-based capital | $7,062,000 | 5,580 |
| Tier 2 risk-based capital | $864,800 | 3,314 |
| Total risk weighted assets | $68,609,700 | 3,730 |
| Total unused commitments | $4,368,000 | 5,311 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 72 | 2,907 |
| Assets and Liabilities | ||
| Total Assets: | $114,128,000 | 3,937 |
| Cash and due from depository institutions | $4,582,000 | 2,907 |
| Interest-bearing balances | $99,000 | 6,563 |
| Securities | $45,788,000 | 3,037 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $55,501,000 | 4,387 |
| Loan loss allowance | $1,618,000 | 2,464 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $4,581,000 | 1,598 |
| Other real estate owned | $1,692,000 | 2,907 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,984,000 | 3,483 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $114,128,000 | 3,937 |
| Total liabilities | $107,321,000 | 3,817 |
| Total deposits | $106,312,000 | 3,665 |
| Interest-bearing deposits | $90,689,000 | 3,707 |
| Deposits held in domestic offices | $106,312,000 | 3,658 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $150,000 | 3,718 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $12,000 | 4,910 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $847,000 | 3,547 |
| Total equity capital | $6,807,000 | 5,738 |
| Total bank equity capital | $6,807,000 | 5,738 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $863,000 | 4,529 |
| Surplus | $1,481,000 | 6,776 |
| Undivided profits | $4,463,000 | 4,733 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,835,000 | 998 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,058,000 | 131 |
| Income earned, not collected on loans | $361,000 | 5,134 |
| Earning assets | $101,388,000 | 4,067 |
| Long-term assets (5+ years) | $23,884,000 | 2,310 |
| Average Assets, year-to-date | $116,028,800 | 3,798 |
| Average Assets, quarterly | $113,489,000 | 3,927 |
| Volatile liabilities | $15,791,000 | 2,890 |
| Insider loans | $33,000 | 10,962 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $3,504,000 | 5,912 |
| Tier 1 (core) risk-based capital | $6,807,000 | 5,657 |
| Tier 2 risk-based capital | $753,000 | 3,706 |
| Total risk weighted assets | $59,374,900 | 4,211 |
| Total unused commitments | $3,504,000 | 5,931 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 92 | 2,352 |
| Assets and Liabilities | ||
| Total Assets: | $120,862,000 | 3,813 |
| Cash and due from depository institutions | $4,781,000 | 2,352 |
| Interest-bearing balances | $199,000 | 6,148 |
| Securities | $36,145,000 | 3,779 |
| Federal funds sold & reverse repurchase agreements | $8,975,000 | 1,854 |
| Net loans & leases | $59,605,000 | 4,190 |
| Loan loss allowance | $2,182,000 | 1,975 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $4,862,000 | 1,499 |
| Other real estate owned | $3,682,000 | 2,352 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $2,812,000 | 2,683 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $120,862,000 | 3,813 |
| Total liabilities | $113,554,000 | 3,736 |
| Total deposits | $110,751,000 | 3,653 |
| Interest-bearing deposits | $93,776,000 | 3,751 |
| Deposits held in domestic offices | $110,751,000 | 3,644 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,756,000 | 2,151 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $75,000 | 4,454 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $972,000 | 3,366 |
| Total equity capital | $7,308,000 | 5,194 |
| Total bank equity capital | $7,308,000 | 5,194 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $863,000 | 4,748 |
| Surplus | $1,481,000 | 6,732 |
| Undivided profits | $4,964,000 | 4,200 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,688,000 | 1,031 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $652,000 | 3,071 |
| Earning assets | $104,924,000 | 4,003 |
| Long-term assets (5+ years) | $28,374,000 | 1,956 |
| Average Assets, year-to-date | $131,280,000 | 3,460 |
| Average Assets, quarterly | $124,221,500 | 3,700 |
| Volatile liabilities | $11,599,000 | 3,682 |
| Insider loans | $101,000 | 5,689 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $955,000 | 9,270 |
| Tier 1 (core) risk-based capital | $7,308,000 | 5,132 |
| Tier 2 risk-based capital | $901,140 | 3,194 |
| Total risk weighted assets | $70,780,640 | 3,675 |
| Total unused commitments | $955,000 | 9,297 |
| Derivatives | $0 | 651 |