Home > The Citizens Bank > Assets and Liabilities
The Citizens Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 24 | 6,393 |
| Assets and Liabilities | ||
| Total Assets: | $38,651,000 | 8,038 |
| Cash and due from depository institutions | $2,647,000 | 6,393 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $10,091,000 | 7,385 |
| Federal funds sold & reverse repurchase agreements | $3,594,000 | 3,494 |
| Net loans & leases | $20,758,000 | 8,153 |
| Loan loss allowance | $379,000 | 6,748 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,084,000 | 5,727 |
| Other real estate owned | $42,000 | 6,393 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $435,000 | 8,849 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $38,651,000 | 8,038 |
| Total liabilities | $35,538,000 | 7,917 |
| Total deposits | $34,635,000 | 7,841 |
| Interest-bearing deposits | $25,344,000 | 8,356 |
| Deposits held in domestic offices | $34,635,000 | 7,838 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $469,000 | 4,093 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $434,000 | 6,460 |
| Total equity capital | $3,113,000 | 8,909 |
| Total bank equity capital | $3,113,000 | 8,909 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $440,000 | 5,332 |
| Surplus | $570,000 | 8,685 |
| Undivided profits | $2,103,000 | 7,006 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $18,000 | 9,312 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $123,000 | 9,461 |
| Earning assets | $34,443,000 | 8,131 |
| Long-term assets (5+ years) | $9,673,000 | 4,416 |
| Average Assets, year-to-date | $37,197,400 | 8,002 |
| Average Assets, quarterly | $38,574,500 | 7,993 |
| Volatile liabilities | $4,555,000 | 7,392 |
| Insider loans | $216,000 | 7,326 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $2,021,000 | 589 |
| Unused loan commitments | $2,472,000 | 6,968 |
| Tier 1 (core) risk-based capital | $3,088,000 | 8,847 |
| Tier 2 risk-based capital | $281,460 | 7,268 |
| Total risk weighted assets | $22,419,360 | 8,063 |
| Total unused commitments | $2,472,000 | 6,975 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 22 | 7,084 |
| Assets and Liabilities | ||
| Total Assets: | $34,688,000 | 8,714 |
| Cash and due from depository institutions | $2,534,000 | 7,084 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $8,845,000 | 8,321 |
| Federal funds sold & reverse repurchase agreements | $2,314,000 | 4,485 |
| Net loans & leases | $19,445,000 | 8,557 |
| Loan loss allowance | $374,000 | 7,058 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,091,000 | 5,716 |
| Other real estate owned | $42,000 | 7,084 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $417,000 | 9,406 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $34,688,000 | 8,714 |
| Total liabilities | $32,075,000 | 8,572 |
| Total deposits | $30,695,000 | 8,581 |
| Interest-bearing deposits | $23,888,000 | 8,887 |
| Deposits held in domestic offices | $30,695,000 | 8,576 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $999,000 | 3,414 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $381,000 | 6,992 |
| Total equity capital | $2,613,000 | 9,658 |
| Total bank equity capital | $2,613,000 | 9,658 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $440,000 | 5,658 |
| Surplus | $570,000 | 9,034 |
| Undivided profits | $1,603,000 | 7,850 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $127,000 | 7,668 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $136,000 | 9,607 |
| Earning assets | $30,604,000 | 8,809 |
| Long-term assets (5+ years) | $10,714,000 | 4,050 |
| Average Assets, year-to-date | $33,523,200 | 8,668 |
| Average Assets, quarterly | $34,160,500 | 8,707 |
| Volatile liabilities | $4,327,000 | 7,537 |
| Insider loans | $526,000 | 5,392 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $1,501,000 | 617 |
| Unused loan commitments | $1,165,000 | 8,583 |
| Tier 1 (core) risk-based capital | $2,601,000 | 9,617 |
| Tier 2 risk-based capital | $270,610 | 7,620 |
| Total risk weighted assets | $21,545,110 | 8,382 |
| Total unused commitments | $1,165,000 | 8,597 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 22 | 7,361 |
| Assets and Liabilities | ||
| Total Assets: | $30,745,000 | 9,416 |
| Cash and due from depository institutions | $1,911,000 | 7,361 |
| Interest-bearing balances | $38,000 | 5,888 |
| Securities | $5,903,000 | 9,820 |
| Federal funds sold & reverse repurchase agreements | $4,686,000 | 3,075 |
| Net loans & leases | $16,853,000 | 9,178 |
| Loan loss allowance | $401,000 | 6,971 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,040,000 | 5,923 |
| Other real estate owned | $42,000 | 7,361 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $310,000 | 10,589 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $30,745,000 | 9,416 |
| Total liabilities | $28,502,000 | 9,274 |
| Total deposits | $27,482,000 | 9,271 |
| Interest-bearing deposits | $21,368,000 | 9,581 |
| Deposits held in domestic offices | $27,482,000 | 9,267 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $635,000 | 3,283 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $385,000 | 7,326 |
| Total equity capital | $2,243,000 | 10,391 |
| Total bank equity capital | $2,243,000 | 10,391 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $440,000 | 5,962 |
| Surplus | $570,000 | 9,357 |
| Undivided profits | $1,233,000 | 8,811 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $41,000 | 9,537 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $160,000 | 9,518 |
| Earning assets | $27,480,000 | 9,477 |
| Long-term assets (5+ years) | $6,893,000 | 4,980 |
| Average Assets, year-to-date | $29,132,200 | 9,457 |
| Average Assets, quarterly | $30,023,000 | 9,449 |
| Volatile liabilities | $2,656,000 | 8,909 |
| Insider loans | $33,000 | 10,168 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $848,000 | 868 |
| Unused loan commitments | $2,364,000 | 6,996 |
| Tier 1 (core) risk-based capital | $2,224,000 | 10,351 |
| Tier 2 risk-based capital | $220,530 | 8,537 |
| Total risk weighted assets | $17,462,130 | 9,320 |
| Total unused commitments | $2,364,000 | 7,010 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 20 | 8,087 |
| Assets and Liabilities | ||
| Total Assets: | $27,177,000 | 10,134 |
| Cash and due from depository institutions | $1,627,000 | 8,087 |
| Interest-bearing balances | $36,000 | 6,260 |
| Securities | $5,750,000 | 10,500 |
| Federal funds sold & reverse repurchase agreements | $3,637,000 | 2,406 |
| Net loans & leases | $15,292,000 | 9,755 |
| Loan loss allowance | $313,000 | 8,216 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $552,000 | 8,195 |
| Other real estate owned | $42,000 | 8,087 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $277,000 | 11,340 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $27,177,000 | 10,134 |
| Total liabilities | $25,235,000 | 10,006 |
| Total deposits | $24,295,000 | 10,013 |
| Interest-bearing deposits | $18,807,000 | 10,305 |
| Deposits held in domestic offices | $24,295,000 | 10,008 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $660,000 | 3,536 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $280,000 | 7,616 |
| Total equity capital | $1,942,000 | 11,012 |
| Total bank equity capital | $1,942,000 | 11,012 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $440,000 | 6,312 |
| Surplus | $571,000 | 9,706 |
| Undivided profits | $931,000 | 9,192 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,000 | 11,209 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $140,000 | 9,899 |
| Earning assets | $24,715,000 | 10,127 |
| Long-term assets (5+ years) | $7,190,000 | 5,018 |
| Average Assets, year-to-date | $25,567,000 | 10,298 |
| Average Assets, quarterly | $26,108,000 | 10,248 |
| Volatile liabilities | $2,270,000 | 9,332 |
| Insider loans | $149,000 | 8,759 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $1,055,000 | 9,011 |
| Tier 1 (core) risk-based capital | $1,943,000 | 11,101 |
| Tier 2 risk-based capital | $203,330 | 9,101 |
| Total risk weighted assets | $16,156,630 | 9,842 |
| Total unused commitments | $1,055,000 | 9,021 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 19 | 8,670 |
| Assets and Liabilities | ||
| Total Assets: | $25,845,000 | 10,758 |
| Cash and due from depository institutions | $1,410,000 | 8,670 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $2,953,000 | 12,190 |
| Federal funds sold & reverse repurchase agreements | $5,151,000 | 2,704 |
| Net loans & leases | $15,745,000 | 9,838 |
| Loan loss allowance | $318,000 | 8,438 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $307,000 | 10,140 |
| Other real estate owned | $42,000 | 8,670 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $237,000 | 11,954 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $25,845,000 | 10,758 |
| Total liabilities | $24,004,000 | 10,638 |
| Total deposits | $22,993,000 | 10,675 |
| Interest-bearing deposits | $17,871,000 | 10,986 |
| Deposits held in domestic offices | $22,993,000 | 10,671 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $722,000 | 3,051 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $289,000 | 7,715 |
| Total equity capital | $1,841,000 | 11,587 |
| Total bank equity capital | $1,841,000 | 11,587 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $440,000 | 6,615 |
| Surplus | $571,000 | 10,038 |
| Undivided profits | $830,000 | 9,970 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $157,000 | 8,189 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $133,000 | 9,978 |
| Earning assets | $23,849,000 | 10,697 |
| Long-term assets (5+ years) | $6,470,000 | 5,661 |
| Average Assets, year-to-date | $24,564,400 | 10,862 |
| Average Assets, quarterly | $25,119,500 | 10,828 |
| Volatile liabilities | $2,796,000 | 8,642 |
| Insider loans | $218,000 | 8,103 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $1,166,000 | 987 |
| Unused loan commitments | $752,000 | 9,830 |
| Tier 1 (core) risk-based capital | $1,841,000 | 11,552 |
| Tier 2 risk-based capital | $198,470 | 9,412 |
| Total risk weighted assets | $15,757,670 | 10,195 |
| Total unused commitments | $752,000 | 9,855 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 19 | 8,886 |
| Assets and Liabilities | ||
| Total Assets: | $23,659,000 | 11,414 |
| Cash and due from depository institutions | $1,614,000 | 8,886 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $3,443,000 | 12,381 |
| Federal funds sold & reverse repurchase agreements | $2,351,000 | 5,881 |
| Net loans & leases | $15,164,000 | 10,149 |
| Loan loss allowance | $257,000 | 9,459 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $331,000 | 10,240 |
| Other real estate owned | $479,000 | 8,886 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $277,000 | 12,019 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $23,659,000 | 11,414 |
| Total liabilities | $21,877,000 | 11,338 |
| Total deposits | $20,914,000 | 11,373 |
| Interest-bearing deposits | $16,626,000 | 11,626 |
| Deposits held in domestic offices | $20,914,000 | 11,370 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $807,000 | 2,743 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $156,000 | 11,017 |
| Total equity capital | $1,782,000 | 11,887 |
| Total bank equity capital | $1,782,000 | 11,887 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $440,000 | 6,951 |
| Surplus | $571,000 | 10,278 |
| Undivided profits | $771,000 | 10,194 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $365,000 | 6,631 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $157,000 | 9,816 |
| Earning assets | $20,958,000 | 11,469 |
| Long-term assets (5+ years) | $5,649,000 | 6,093 |
| Average Assets, year-to-date | $22,746,200 | 11,444 |
| Average Assets, quarterly | $23,673,000 | 11,368 |
| Volatile liabilities | $3,444,000 | 8,026 |
| Insider loans | $223,000 | 3,672 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $603,000 | 10,241 |
| Tier 1 (core) risk-based capital | $1,782,000 | 11,849 |
| Tier 2 risk-based capital | $191,740 | 9,645 |
| Total risk weighted assets | $15,273,840 | 10,552 |
| Total unused commitments | $603,000 | 10,265 |
| Derivatives | $0 | 651 |