Home > Citizens Federal Bank, F.S.B., a Federal Savings Bank > Assets and Liabilities
Citizens Federal Bank, F.S.B., a Federal Savings Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 775 | 243 |
| Assets and Liabilities | ||
| Total Assets: | $3,446,783,000 | 210 |
| Cash and due from depository institutions | $43,017,000 | 243 |
| Interest-bearing balances | $35,183,000 | 122 |
| Securities | $1,408,711,000 | 125 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $1,763,941,000 | 235 |
| Loan loss allowance | $18,786,000 | 305 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $20,868,000 | 348 |
| Other real estate owned | $3,512,000 | 243 |
| Goodwill and other intangibles | $59,212,000 | 128 |
| All other assets | $147,522,000 | 147 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $3,446,783,000 | 210 |
| Total liabilities | $3,235,502,000 | 205 |
| Total deposits | $1,856,191,000 | 236 |
| Interest-bearing deposits | $1,778,756,000 | 216 |
| Deposits held in domestic offices | $1,856,191,000 | 230 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $297,165,000 | 174 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $1,022,721,000 | 97 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $59,425,000 | 210 |
| Total equity capital | $211,281,000 | 258 |
| Total bank equity capital | $211,281,000 | 258 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $62,000 | 9,020 |
| Surplus | $64,240,000 | 351 |
| Undivided profits | $146,979,000 | 191 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $9,150,000 | 377 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $8,577,000 | 303 |
| Earning assets | $3,207,835,000 | 204 |
| Long-term assets (5+ years) | $0 | 9,550 |
| Average Assets, year-to-date | $3,126,579,200 | 213 |
| Average Assets, quarterly | $3,362,100,000 | 214 |
| Volatile liabilities | $1,750,028,000 | 128 |
| Insider loans | $69,000 | 8,787 |
| FHLB advances | $1,019,576,000 | 23 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $218,984,000 | 401 |
| Tier 1 (core) risk-based capital | $195,558,000 | 252 |
| Tier 2 risk-based capital | $18,182,000 | 281 |
| Total risk weighted assets | $1,599,482,000 | 255 |
| Total unused commitments | $371,046,000 | 299 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 718 | 301 |
| Assets and Liabilities | ||
| Total Assets: | $2,904,771,000 | 254 |
| Cash and due from depository institutions | $53,192,000 | 301 |
| Interest-bearing balances | $22,888,000 | 187 |
| Securities | $1,073,721,000 | 158 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $1,585,279,000 | 285 |
| Loan loss allowance | $16,096,000 | 381 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $18,856,000 | 403 |
| Other real estate owned | $9,080,000 | 301 |
| Goodwill and other intangibles | $56,787,000 | 128 |
| All other assets | $107,856,000 | 194 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $2,904,771,000 | 254 |
| Total liabilities | $2,715,339,000 | 253 |
| Total deposits | $1,609,788,000 | 311 |
| Interest-bearing deposits | $1,539,825,000 | 274 |
| Deposits held in domestic offices | $1,609,788,000 | 308 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $257,137,000 | 221 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $793,565,000 | 111 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $54,849,000 | 221 |
| Total equity capital | $189,432,000 | 299 |
| Total bank equity capital | $189,432,000 | 299 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $62,000 | 9,464 |
| Surplus | $64,240,000 | 365 |
| Undivided profits | $125,130,000 | 230 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,724,000 | 510 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $8,745,000 | 327 |
| Earning assets | $2,681,888,000 | 254 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $2,668,493,400 | 265 |
| Average Assets, quarterly | $2,821,998,500 | 261 |
| Volatile liabilities | $1,350,847,000 | 163 |
| Insider loans | $71,000 | 9,147 |
| FHLB advances | $788,369,000 | 26 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $194,553,000 | 442 |
| Tier 1 (core) risk-based capital | $168,449,000 | 317 |
| Tier 2 risk-based capital | $15,779,000 | 346 |
| Total risk weighted assets | $1,375,439,000 | 312 |
| Total unused commitments | $313,453,000 | 351 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 671 | 330 |
| Assets and Liabilities | ||
| Total Assets: | $2,462,243,000 | 300 |
| Cash and due from depository institutions | $59,968,000 | 330 |
| Interest-bearing balances | $29,646,000 | 159 |
| Securities | $708,953,000 | 248 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $1,522,466,000 | 299 |
| Loan loss allowance | $16,089,000 | 396 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $20,357,000 | 394 |
| Other real estate owned | $2,555,000 | 330 |
| Goodwill and other intangibles | $59,073,000 | 114 |
| All other assets | $88,871,000 | 222 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $2,462,243,000 | 300 |
| Total liabilities | $2,278,761,000 | 297 |
| Total deposits | $1,623,932,000 | 317 |
| Interest-bearing deposits | $1,539,029,000 | 279 |
| Deposits held in domestic offices | $1,623,932,000 | 313 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $617,766,000 | 121 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $37,063,000 | 307 |
| Total equity capital | $183,482,000 | 332 |
| Total bank equity capital | $183,482,000 | 332 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $62,000 | 9,921 |
| Surplus | $64,240,000 | 384 |
| Undivided profits | $119,180,000 | 256 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $19,198,000 | 272 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $8,889,000 | 342 |
| Earning assets | $2,261,065,000 | 299 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $2,215,246,800 | 312 |
| Average Assets, quarterly | $2,408,656,000 | 302 |
| Volatile liabilities | $870,580,000 | 221 |
| Insider loans | $101,000 | 9,134 |
| FHLB advances | $612,166,000 | 23 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $119,755,000 | 610 |
| Tier 1 (core) risk-based capital | $158,031,000 | 344 |
| Tier 2 risk-based capital | $14,276,000 | 379 |
| Total risk weighted assets | $1,185,260,000 | 366 |
| Total unused commitments | $256,599,000 | 403 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 602 | 364 |
| Assets and Liabilities | ||
| Total Assets: | $2,012,741,000 | 335 |
| Cash and due from depository institutions | $39,293,000 | 364 |
| Interest-bearing balances | $16,304,000 | 239 |
| Securities | $642,366,000 | 278 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $1,187,346,000 | 337 |
| Loan loss allowance | $14,196,000 | 437 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $19,068,000 | 407 |
| Other real estate owned | $8,596,000 | 364 |
| Goodwill and other intangibles | $52,057,000 | 96 |
| All other assets | $64,015,000 | 285 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $2,012,741,000 | 335 |
| Total liabilities | $1,870,009,000 | 333 |
| Total deposits | $1,185,871,000 | 389 |
| Interest-bearing deposits | $1,134,240,000 | 360 |
| Deposits held in domestic offices | $1,185,871,000 | 384 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $172,918,000 | 309 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $483,043,000 | 137 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $28,177,000 | 330 |
| Total equity capital | $142,732,000 | 375 |
| Total bank equity capital | $142,732,000 | 375 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $40,000 | 10,870 |
| Surplus | $53,540,000 | 410 |
| Undivided profits | $89,152,000 | 291 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,605,000 | 721 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $6,655,000 | 378 |
| Earning assets | $1,846,016,000 | 331 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $1,867,242,000 | 349 |
| Average Assets, quarterly | $1,940,058,500 | 341 |
| Volatile liabilities | $748,081,000 | 236 |
| Insider loans | $127,000 | 9,057 |
| FHLB advances | $477,072,000 | 34 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $271,320,000 | 375 |
| Tier 1 (core) risk-based capital | $137,370,000 | 374 |
| Tier 2 risk-based capital | $11,795,000 | 403 |
| Total risk weighted assets | $986,062,000 | 391 |
| Total unused commitments | $822,584,000 | 216 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 587 | 385 |
| Assets and Liabilities | ||
| Total Assets: | $1,816,904,000 | 363 |
| Cash and due from depository institutions | $61,885,000 | 385 |
| Interest-bearing balances | $40,481,000 | 151 |
| Securities | $575,893,000 | 311 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $1,073,358,000 | 348 |
| Loan loss allowance | $12,399,000 | 501 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $18,375,000 | 429 |
| Other real estate owned | $11,103,000 | 385 |
| Goodwill and other intangibles | $27,281,000 | 150 |
| All other assets | $49,009,000 | 336 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $1,816,904,000 | 363 |
| Total liabilities | $1,678,926,000 | 365 |
| Total deposits | $1,250,358,000 | 383 |
| Interest-bearing deposits | $1,134,868,000 | 374 |
| Deposits held in domestic offices | $1,250,358,000 | 378 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $32,540,000 | 591 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $378,440,000 | 163 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $17,588,000 | 447 |
| Total equity capital | $137,978,000 | 368 |
| Total bank equity capital | $137,978,000 | 368 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $40,000 | 11,407 |
| Surplus | $53,540,000 | 386 |
| Undivided profits | $84,398,000 | 297 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $9,634,000 | 611 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $5,331,000 | 393 |
| Earning assets | $1,689,732,000 | 359 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $1,768,313,000 | 362 |
| Average Assets, quarterly | $1,821,024,500 | 358 |
| Volatile liabilities | $593,533,000 | 255 |
| Insider loans | $142,000 | 9,087 |
| FHLB advances | $371,390,000 | 43 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $400,416,000 | 299 |
| Tier 1 (core) risk-based capital | $132,944,000 | 362 |
| Tier 2 risk-based capital | $10,763,000 | 426 |
| Total risk weighted assets | $904,181,000 | 411 |
| Total unused commitments | $1,566,172,000 | 141 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 385 | 587 |
| Assets and Liabilities | ||
| Total Assets: | $1,734,328,000 | 378 |
| Cash and due from depository institutions | $72,724,000 | 587 |
| Interest-bearing balances | $42,274,000 | 193 |
| Securities | $733,232,000 | 247 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $821,862,000 | 432 |
| Loan loss allowance | $7,356,000 | 760 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $19,493,000 | 406 |
| Other real estate owned | $13,773,000 | 587 |
| Goodwill and other intangibles | $19,655,000 | 182 |
| All other assets | $53,589,000 | 332 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $1,734,328,000 | 378 |
| Total liabilities | $1,629,412,000 | 376 |
| Total deposits | $1,291,372,000 | 393 |
| Interest-bearing deposits | $1,196,376,000 | 373 |
| Deposits held in domestic offices | $1,291,372,000 | 388 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $325,923,000 | 145 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $12,117,000 | 564 |
| Total equity capital | $104,916,000 | 429 |
| Total bank equity capital | $104,916,000 | 429 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $40,000 | 11,930 |
| Surplus | $31,540,000 | 564 |
| Undivided profits | $73,336,000 | 300 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $15,786,000 | 530 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $4,699,000 | 492 |
| Earning assets | $1,597,368,000 | 373 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $1,703,319,600 | 380 |
| Average Assets, quarterly | $1,704,076,000 | 387 |
| Volatile liabilities | $485,151,000 | 273 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $244,912,000 | 60 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $31,979,000 | 1,303 |
| Tier 1 (core) risk-based capital | $97,729,000 | 433 |
| Tier 2 risk-based capital | $6,832,000 | 591 |
| Total risk weighted assets | $787,660,000 | 466 |
| Total unused commitments | $31,979,000 | 1,316 |
| Derivatives | $0 | 651 |