0001552781-14-000228.txt : 20140331 0001552781-14-000228.hdr.sgml : 20140331 20140331170427 ACCESSION NUMBER: 0001552781-14-000228 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20131231 FILED AS OF DATE: 20140331 DATE AS OF CHANGE: 20140331 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CITIZENS BANCSHARES CORP /GA/ CENTRAL INDEX KEY: 0000813640 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 581631302 STATE OF INCORPORATION: GA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-14913 FILM NUMBER: 14730929 BUSINESS ADDRESS: STREET 1: 75 PIEDMONT AVENUE NE STREET 2: P O BOX 4485 CITY: ATLANTA STATE: GA ZIP: 30302 BUSINESS PHONE: 4046595959 MAIL ADDRESS: STREET 1: P O BOX 4485 CITY: ATLANTA STATE: GA ZIP: 30303 10-K 1 e00103_czbs-10k.htm

 UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-K

 

  x   Annual report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  
For the fiscal year ended December 31, 2013
       
or
       
  ¨ Transition report under Section 13 or 15(d) of the Securities Exchange Act of 1934  

 

For the transition period from ___________ to ____________

 

  Commission file number        0-14535

 

 

Citizens Bancshares Corporation

(Exact name of registrant as specified in its charter)

 

Georgia   58-1631302
(State or other jurisdiction of   (I.R.S. Employer
incorporation or organization)   Identification No.)
     
75 Piedmont Avenue, N.E., Atlanta, Georgia   30303
(Address of principal executive offices)   (Zip Code)

 

 

(Registrant’s telephone number, including area code) (404) 659-5959

 

Securities registered pursuant to Section 12(b) of the Act: None.

 

Securities registered pursuant to Section 12(g) of the Act:

 

20,000,000 Shares of Common Stock, $1.00 par value

(Title of class)

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. £ Yes  S No

 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act. £ Yes  S No

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. S Yes  £ No

 

Indicate by checkmark if the registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or such period that the registrant was required to submit and post such files). S Yes  £ No

 

 

Indicate by checkmark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§ 229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. £

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer,” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer £     Accelerated filer £       Non- accelerated filer (do not check if a smaller reporting company) £      Smaller reporting company S

The number of shares outstanding for each of the registrant’s classes of common stock as of March 28, 2014 was: 2,056,790 shares of Common Stock, $1.00 par value, 90,000 shares of Non-Voting Common Stock, $1.00 par value.

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). £ Yes   S No

 

The aggregate market value of common stock held by non-affiliates of the Registrant, based on the last sale price of $6.33 per share on June 30, 2013, was approximately $8,427,966.

 

DOCUMENTS INCORPORATED BY REFERENCE

 

List hereunder the following documents if incorporated by reference and the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document is incorporated : (1) any annual report to security holders; (2) Any proxy or information statement; and (3) Any prospectus filed pursuant to Rule 424(b) or (c) under the Securities Act of 1933.

 

Proxy Statement for 2014 Annual Meeting of Shareholders

 

 

SPECIAL CAUTIONARY NOTICE REGARDING FORWARD-LOOKING STATEMENTS

 

Some of the statements in this Report, including, without limitation, matters discussed under the caption “Management’s Discussion and Analysis of Financial Condition and Results of Operation,” of Citizens Bancshares Corporation (the “Company”) are “forward-looking statements” within the meaning of the federal securities laws. Forward-looking statements include statements about the competitiveness of the banking industry, potential regulatory obligations, our entrance and expansion into other markets, integration of recently acquired banks, pending or proposed acquisitions, our other business strategies, our expectations with respect to our allowance for loan losses and impaired loans, anticipated capital expenditures for our operations center, and other statements that are not historical facts. When we use words like “anticipate”, “believe”, “intend”, “expect”, “estimate”, “could”, “should”, “will”, and similar expressions, you should consider them as identifying forward-looking statements, although we may use other phrasing. These forward-looking statements involve risks and uncertainties and are based on our beliefs and assumptions, and on the information available to us at the time that these disclosures were prepared. Factors that may cause actual results to differ materially from those expressed or implied by such forward-looking statements include, among others, the following possibilities: (1) competitive pressures among depository and other financial institutions may increase significantly; (2) changes in the interest rate environment may reduce margins; (3) general economic conditions may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and/or a reduction in demand for credit; (4) legislative or regulatory changes, including changes in accounting standards, may adversely affect the businesses in which we are engaged; (5) costs or difficulties related to the integration of our businesses, may be greater than expected; (6) deposit attrition, customer loss or revenue loss following acquisitions may be greater than expected; (7) competitors may have greater financial resources and develop products that enable such competitors to compete more successfully than us; and (8) adverse changes may occur in the equity markets.

 

Many of such factors are beyond our ability to control or predict, and readers are cautioned not to put undue reliance on such forward-looking statements. We disclaim any obligation to update or revise any forward-looking statements contained in this Report, whether as a result of new information, future events or otherwise.

 

The Company cautions that the foregoing list of important factors is not exclusive. For further information regarding the risk factors applicable to the Company, please see “Risk Factors” on page 20.

 

 

PART I

 

ITEM 1.          DESCRIPTION OF BUSINESS

 

The Company

 

General

 

Citizens Bancshares Corporation (the “Company”) was incorporated as a Georgia business corporation in 1972 and became a bank holding company by acquiring all of the common stock of Citizens Trust Bank (the “Bank”). The Company was organized to facilitate the Bank’s ability to serve its customers’ requirements for financial services. The holding company structure provides flexibility for expansion of the Company’s banking business through the possible acquisition of other financial service institutions and the provision of additional banking-related services that the traditional commercial bank may not provide under present laws. For example, banking regulations require that the Bank maintain a minimum ratio of capital to assets. In the event that the Bank’s growth is such that this minimum ratio is not maintained, the Company may borrow funds, subject to capital adequacy guidelines of the Federal Reserve, and contribute them to the capital of the Bank and otherwise raise capital in a manner that is unavailable to the Bank under existing banking regulations.

 

Over the years, the Company has completed several acquisitions. On January 30, 1998, the Company merged with First Southern Bancshares, Inc., whose banking subsidiary, First Southern Bank simultaneously merged into the Bank. On March 10, 2000, the Company acquired certain assets and all of the deposits of Mutual Federal Savings Bank, a failing bank, from the Federal Deposit Insurance Corporation. On February 28, 2003, the Company acquired CFS Bancshares, Inc., a savings and loan holding company located in Birmingham, Alabama, whose banking subsidiary, Citizens Federal Savings Bank, simultaneously merged into the Bank. This acquisition has resulted in a significant expansion of the Company’s market area. On March 27, 2009, the Bank acquired the Lithonia, Georgia branch of The Peoples Bank.

 

The Company may make additional acquisitions in the future in the event that such acquisitions are deemed to be in the best interests of the Company and its shareholders. Such acquisitions, if any, will be subject to certain regulatory approvals and requirements. See “Business – Bank Holding Company Regulations.”

 

The Bank

 

General

 

The Bank, a state bank headquartered in Atlanta, Georgia, was organized in 1921 and is a member of the Federal Reserve System.

 

The Bank’s home office is located at 75 Piedmont Avenue, N.E., Atlanta, Georgia 30303. In addition to its home office, the Bank operated ten branch offices located in Atlanta, East Point, Lithonia, Decatur, Stone Mountain and Columbus, Georgia, and Birmingham and Eutaw, Alabama at December 31, 2013. The Bank conducts a general commercial banking business that serves Fulton, DeKalb and Muscogee Counties, Georgia, as well as Jefferson and Greene Counties, Alabama, acts as an issuing agent for U.S. savings bonds, travelers checks and cashiers checks, and offers collection teller services. The Bank has no subsidiaries.

 

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The Bank does not engage in any line of business other than normal commercial banking activities. The Bank does not engage in any operations in foreign countries nor is a material portion of the Bank’s revenues derived from customers in foreign countries. The business of the Bank is not considered to be seasonal nor is the Bank’s business dependent on any industry.

 

The Bank’s Primary Service Area

 

The Bank’s primary service area consists of Fulton and DeKalb Counties, along with certain portions of Rockdale County; through its branch in Columbus, the Bank also serves Muscogee County, Georgia, and through its branches in Birmingham and Eutaw, it serves Jefferson and Greene Counties, Alabama. The primary focus of the Bank is the small business and commercial/service firms in the area plus individuals and households who reside in or commute to the area. The majority of the Bank’s customers are drawn from the described area.

 

Competition

 

The Bank must compete for both deposit and loan customers with other financial institutions. Currently, there are numerous branches of national, regional, and local banks, as well as other types of entities offering financial services, located in the Bank’s market area.

 

Deposits

 

The Bank offers a wide range of commercial and consumer deposit accounts, including non-interest bearing checking accounts, money market checking accounts (consumer and commercial), negotiable order of withdrawal (“NOW”) accounts, individual retirement accounts, time certificates of deposit, sweep accounts, and regular savings accounts. The sources of deposits typically are residents, local governments and businesses and their employees within the Bank’s market area, obtained through personal solicitation by the Bank’s officers and directors, direct mail solicitation and advertisements published in the local media. The Bank pays competitive interest rates on time and savings deposits and has a service charge fee schedule competitive with other financial institutions in the Bank’s market area, covering such matters as maintenance fees on checking accounts, per item processing fees on checking accounts, returned check charges and the like.

 

Loan Portfolio

 

The Bank engages in a full complement of lending activities, including consumer/installment loans, mortgage loans, home equity lines of credit, construction loans, and commercial loans, with particular emphasis on small business loans. The Bank believes that the origination of short-term fixed rate loans and loans tied to floating interest rates is the most desirable method of conducting its lending activities.

 

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Consumer Loans

 

The Bank’s consumer loans consist primarily of installment loans to individuals for personal, family, and household purposes, including loans for automobiles, home improvements, and investments. This category of loans also includes loans secured by second mortgages on the residences of borrowers.

 

Commercial Lending

 

Commercial lending is directed principally toward businesses whose demands for funds fall within the Bank’s legal lending limits and which are existing deposit customers of the Bank. This category of loans includes loans made to individual, partnership, or corporate borrowers and obtained for a variety of business purposes.

 

Investments

 

As of December 31, 2013, investment securities comprised approximately 37% of the Bank’s assets, with loans (net of loan loss reserves) comprising 47% of assets. The Bank invests primarily in obligations of the United States, obligations guaranteed as to principal and interest by the United States, government-sponsored enterprises securities, general obligation municipals and other taxable securities.

 

Asset/Liability Management

 

It is the objective of the Bank to manage assets and liabilities to provide a satisfactory, consistent level of profitability within the framework of established cash, loan, investment, borrowing, and capital policies. Certain officers of the Bank are charged with the responsibility for developing and monitoring policies and procedures that are designed to ensure acceptable composition of the asset/liability mix. It is the overall philosophy of management to support asset growth primarily through the growth of core deposits, which include deposits of all categories made by individuals, partnerships, and corporations. Management of the Bank seeks to invest the largest portion of the Bank’s assets in consumer/installment, commercial and construction loans.

 

The Bank’s asset/liability mix is monitored on a daily basis and a quarterly report reflecting the interest-sensitive assets and interest-sensitive liabilities is prepared and presented to the Bank’s Board of Directors asset/liability committee during their meeting which takes place every two months. The objective of this policy is to control interest-sensitive assets and liabilities so as to minimize the impact of substantial movements in interest rates on the Bank’s earnings.

 

Correspondent Banking

 

Correspondent banking involves the provision of services by one bank to another bank that cannot provide that service for itself from an economic or practical standpoint. The Bank purchases correspondent services offered by larger banks, including check collections, security safekeeping, investment services, wire transfer services, coin and currency supplies, overline and liquidity loan participation, and sales of loans to or participation with correspondent banks.

 

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Employees

 

As of December 31, 2013, the Bank had 102 full-time equivalent employees (the Company has no employees who are not also employees of the Bank). The Bank is not a party to any collective bargaining agreement and, in the opinion of management, the Bank enjoys excellent relations with its employees.

 

Website Address

 

Our corporate website address is www.ctbconnect.com. From this website, select the “Investor Information” tab followed by selecting “Annual Reports/Financial Statements”. Our filings with the Securities and Exchange Commission (SEC), including our Annual Report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and any amendments to these reports are available and accessible soon after we file them with the SEC.

 

Supervision and Regulation

 

Both the Company and the Bank are subject to extensive state and federal banking regulations that impose restrictions on and provide for general regulatory oversight of their operations. These laws are generally intended to protect depositors and not shareholders. Legislation and regulations authorized by legislation influence, among other things:

 

·how, when and where we may expand geographically;

 

·into what product or service market we may enter;

 

·how we must manage our assets; and

 

·under what circumstances money may or must flow between the parent bank holding company and the subsidiary bank.

 

The following is a summary description of the relevant laws, rules, and regulations governing banks and holding companies. The descriptions of, and references to, the statutes and regulations below are brief summaries and do not purport to be complete. The descriptions are qualified in their entirety by reference to the specific statutes and regulations discussed.

 

The regulatory and supervisory structure establishes a comprehensive framework of activities in which an institution can engage and is intended primarily for the protection of depositors, the deposit insurance funds and the banking system as a whole, rather than for the protection of shareholders or creditors. The regulatory structure also gives the regulatory authorities extensive discretion in connection with their supervisory and enforcement activities and examination policies, including policies concerning the establishment of deposit insurance assessment fees, classification of assets and establishment of adequate loan loss reserves for regulatory purposes.

 

Various legislation is from time to time introduced in Congress and Georgia’s legislature, including proposals to overhaul the bank regulatory system, expand the powers of depository institutions, and limit the investments that depository institutions may make with insured funds. Such legislation may change applicable statutes and the operating environment in substantial and unpredictable ways. We cannot determine the ultimate effect that future legislation or implementing regulations would have upon our financial condition or upon our results of operations. As is further described below, the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”), has significantly changed the bank regulatory structure and may affect the lending, investment and general operating activities of depository institutions and their holding companies.

 

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The Company

 

Since the Company owns all of the capital stock of the Bank, it is a bank holding company under the federal Bank Holding Company Act of 1956. As a result, the Company is primarily subject to the supervision, examination, and reporting requirements of the Bank Holding Company Act and the regulations of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). As a bank holding company located in Georgia, the Georgia Department of Banking and Finance (the “DBF”) also regulates and monitors all significant aspects of our operations.

 

Acquisitions of Banks. The Bank Holding Company Act requires every bank holding company to obtain the Federal Reserve’s prior approval before:

 

  · Acquiring direct or indirect ownership or control of any voting shares of any bank if, after the acquisition, the bank holding company will directly or indirectly own or control more than 5% of the bank's voting shares;
     
  · Acquiring all or substantially all of the assets of any bank; or
     
  · Merging or consolidating with any other bank holding company.

 

Additionally, the Bank Holding Company Act provides that the Federal Reserve may not approve any of these transactions if it would result in or tend to create a monopoly or, substantially lessen competition or otherwise function as a restraint of trade, unless the anticompetitive effects of the proposed transaction are clearly outweighed by the public interest in meeting the convenience and needs of the community to be served. The Federal Reserve is also required to consider the financial and managerial resources and future prospects of the bank holding companies and banks concerned and the convenience and needs of the community to be served. The Federal Reserve’s consideration of financial resources generally focuses on capital adequacy, which is discussed below.

 

Under the Bank Holding Company Act, if adequately capitalized and adequately managed, the Company or any other bank holding company located in Georgia may purchase a bank located outside of Georgia. Conversely, an adequately capitalized and adequately managed bank holding company located outside of Georgia may purchase a bank located inside Georgia. In each case, however, restrictions may be placed on the acquisition of a bank that has only been in existence for a limited amount of time or will result in specified concentrations of deposits. For example, Georgia law prohibits a bank holding company from acquiring control of a financial institution until the target financial institution has been incorporated for three years. Because the Bank has been incorporated for more than three years, this limitation does not apply to the Bank or the Company.

 

5
 

Change in Bank Control. Subject to various exceptions, the Bank Holding Company Act and the Change in Bank Control Act, together with related regulations, require Federal Reserve approval prior to any person or company acquiring “control” of a bank holding company. Control is conclusively presumed to exist if an individual or company acquires 25% or more of any class of voting securities of the bank holding company. Control is rebuttably presumed to exist if a person or company acquires 10% or more, but less than 25%, of any class of voting securities and either:

 

  · the bank holding company has registered securities under Section 12 of the Securities Act of 1934, as amended; or
     
  · no other person owns a greater percentage of that class of voting securities immediately after the transaction.  

 

Our common stock is registered under Section 12 of the Securities Act of 1934, as amended. The regulations provide a procedure for challenge of the rebuttable control presumption.

 

Permitted Activities. The Bank Holding Company Act has generally prohibited a bank holding company from engaging in activities other than banking or managing or controlling banks or other permissible subsidiaries and from acquiring or retaining direct or indirect control of any company engaged in any activities other than those determined by the Federal Reserve to be closely related to banking or managing or controlling banks as to be a proper incident thereto. Provisions of the Gramm-Leach-Bliley Act have expanded the permissible activities of a bank holding company that qualifies as a financial holding company. Under the regulations implementing the Gramm-Leach-Bliley Act, a financial holding company may engage in additional activities that are financial in nature or incidental or complementary to financial activity. Those activities include, among other activities, certain insurance and securities activities.

 

To qualify to become a financial holding company, the Bank and any other depository institution subsidiary of the Company must be well capitalized and well managed and must have a Community Reinvestment Act rating of at least “satisfactory.” Additionally, the Company must file an election with the Federal Reserve to become a financial holding company and must provide the Federal Reserve with 30 days’ written notice prior to engaging in a permitted financial activity. While the Company meets the qualification standards applicable to financial holding companies, we have not elected to become a financial holding company at this time.

 

Support of Subsidiary Institutions. Under Federal Reserve policy, the Company is expected to act as a source of financial strength for the Bank and to commit resources to support the Bank. In addition, pursuant to the Dodd-Frank Wall Street and Consumer Protection Act (the “Dodd-Frank Act”), the federal banking regulators must require a bank holding company to serve as a source of financial strength for any depository institution subsidiary. This support may be required at times when, without this Federal Reserve policy, the Company might not be inclined to provide it. In addition, any capital loans made by the Company to the Bank will be repaid only after its deposits and various other obligations are repaid in full. In the unlikely event of the Company’s bankruptcy, any commitment by it to a federal bank regulatory agency to maintain the capital of the Bank will be assumed by the bankruptcy trustee and entitled to a priority of payment.

 

The Federal Reserve Board may require a holding company to terminate any activity or relinquish control of a non-bank subsidiary (other than a non-bank subsidiary of a bank) upon the Federal Reserve Board’s determination that such activity or control constitutes a serious risk to the financial soundness or stability of any subsidiary depository institution of the holding company. Further, federal bank regulatory authorities have additional discretion to require a holding company to divest itself of any bank or non-bank subsidiary if the agency determines that divestiture may aid the depository institution’s financial condition.

 

6
 

Under the Federal Deposit Insurance Act, a holding company’s bank subsidiary can be required to indemnify, or cross-guarantee, the FDIC against losses it incurs with respect to any other bank controlled by the holding company, which in effect will make the holding company’s equity investments in healthy bank subsidiaries available to the FDIC to assist any failing or failed bank subsidiary that the holding company may have.

 

Non-Bank Subsidiary Examination and Enforcement. As a result of the Dodd-Frank Act, all non-bank subsidiaries not currently regulated by a state or federal agency will now be subject to examination by the Federal Reserve Board in the same manner and with the same frequency as if its activities were conducted by the lead bank subsidiary. These examinations will consider the activities engaged in by the non-bank subsidiary pose a material threat to the safety and soundness of its insured depository institution affiliates, are subject to appropriate monitoring and control, and comply with applicable laws. Pursuant to this authority, the Federal Reserve Board may also take enforcement action against non-bank subsidiaries.

 

The Bank

 

Since the Bank is a commercial bank chartered under the laws of the State of Georgia and is a Federal Reserve member bank, it is primarily subject to the supervision, examination and reporting requirements of the DBF and the Federal Reserve Bank of Atlanta. The DBF and the Federal Reserve Bank of Atlanta regularly examine the Bank’s operations and have the authority to approve or disapprove mergers, the establishment of branches and similar corporate actions. Both regulatory agencies have the power to prevent the continuance or development of unsafe or unsound banking practices or other violations of law. Additionally, the Bank’s deposits are insured by the FDIC to the maximum extent provided by law. The Bank is also subject to numerous state and federal statutes and regulations that affect its business, activities, and operations.

 

Branching. Under current Georgia law, the Bank may open branch offices throughout Georgia with the prior approval of the DBF. In addition, with prior regulatory approval, the Bank may acquire branches of existing banks located in Georgia. Prior to enactment of the Dodd-Frank Act, the Bank and any other national or state-chartered bank were generally permitted to branch across state lines by merging with banks in other states if allowed by the applicable states’ laws. Georgia law, with limited exceptions, permitted branching across state lines through interstate mergers. However, interstate branching is now permitted for all national- and state-chartered banks as a result of the Dodd-Frank Act, provided that a state bank chartered by the state in which the branch is to be located would also be permitted to establish a branch.

 

Prompt Corrective Action. The Federal Deposit Insurance Corporation Improvement Act of 1991 establishes a system of prompt corrective action to resolve the problems of undercapitalized financial institutions. Under this system, the federal banking regulators have established five capital categories in which all institutions are placed: Well Capitalized, Adequately Capitalized, Undercapitalized, Significantly Undercapitalized and Critically Undercapitalized.

 

As a bank’s capital condition deteriorates, federal banking regulators are required to take various mandatory supervisory actions and are authorized to take other discretionary actions with respect to institutions in the three undercapitalized categories. The severity of the action depends upon the capital category in which the institution is placed.

 

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As of December 31, 2013, the Bank was considered well-capitalized.

 

A “well-capitalized” bank is one that exceeds all of its required capital requirements, which include maintaining a total risk-based capital ratio of at least 10%, a Tier 1 risk-based capital ratio of at least 6% and a Tier 1 leverage ratio of at least 5%. Generally, a classification as well capitalized will place a bank outside of the regulatory zone for purposes of prompt corrective action. However, a well-capitalized bank may be reclassified as “adequately capitalized” based on criteria other than capital, if the federal regulator determines that a bank is in an unsafe or unsound condition, or is engaged in unsafe or unsound practices or has not adequately corrected a prior deficiency.

 

FDIC Insurance Assessments. The Bank’s deposits are insured by the Deposit Insurance Fund (the “DIF”) of the FDIC up to the maximum amount permitted by law, which was permanently increased to $250,000 by the Dodd-Frank Act. The FDIC uses the DIF to protect against the loss of insured deposits if an FDIC-insured bank or savings association fails. Pursuant to the Dodd-Frank Act, the FDIC must take steps, as necessary, for the DIF reserve ratio to reach 1.35% of estimated insured deposits by September 30, 2020. The Bank is thus subject to FDIC deposit premium assessments.

 

The FDIC used a risk-based assessment system that assigns insured depository institutions to one of four risk categories based on three primary sources of information: supervisory risk ratings for all institutions, financial ratios for most institutions, including the Bank, and long-term debt issuer ratings for large institutions that have such ratings. For institutions assigned to the lowest risk category, the annual assessment rate ranges between 7 and 16 cents per $100 of domestic deposits. For institutions assigned to higher risk categories, assessment rates range from 17 to 77.5 cents per $100 of domestic deposits. These ranges reflect a possible downward adjustment for unsecured debt outstanding and possible upward adjustments for secured liabilities and, in the case of institutions outside the lowest risk category, brokered deposits.

 

On September 29, 2009, the FDIC announced a uniform 3 basis points increase effective January 1, 2011, and on November 12, 2009, adopted a rule requiring nearly all FDIC-insured depository institutions, including the Bank, to prepay their DIF assessments for the fourth quarter of 2009 and for the following three years on December 30, 2009. At that time, the FDIC indicated that the prepayment of DIF assessments was in lieu of additional special assessments; however, there can be no guarantee that continued pressures on the DIF will not result in additional special assessments being collected by the FDIC in the future.

 

Pursuant to the Dodd-Frank Act, the FDIC issued regulations that redefined the “assessment base” used for calculating deposit insurance assessments. Rather than the prior system, whereby the assessment base was calculated by using an insured depository institution’s domestic deposits less a few allowable exclusions, the new assessment base is calculated using the average consolidated total assets of an insured depository institution less the average tangible equity of such institution. Tangible equity is defined as Tier 1 capital. The FDIC continues to utilize a risk-based assessment system in which institutions will be subject to assessment rates ranging from 2.5 to 45 basis points, subject to adjustments for unsecured debt and, in the case of institutions outside the lowest risk category, brokered deposits.

 

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The FDIC Board retains the flexibility to, without further notice-and-comment rulemaking, adopt rates that are higher or lower than the stated base assessment rates, provided that the FDIC cannot (i) increase or decrease the total rates from one quarter to the next by more than three basis points, or (ii) deviate by more than three basis points from the stated assessment rates. Although the Dodd-Frank Act requires that the FDIC eliminate its requirement to pay dividends to depository institutions when the reserve ratio exceeds a certain threshold, the FDIC has proposed a decreasing schedule of assessment rates that would take effect when the DIF reserve ratio first meets or exceeds 1.15%. As proposed, if the DIF reserve ratio meets or exceeds 1.15%, base assessment rates would range from 1.5 to 40 basis points; if the DIF reserve ratio meets or exceeds 2%, base assessment rates would range from 1 to 38 basis points; and if the DIF reserve ratio meets or exceeds 2.5%, base assessment rates would range from 0.5 to 35 basis points. All base assessment rates would continue to be subject to adjustments for unsecured debt and brokered deposits.

 

The FDIC also collects a deposit-based assessment from insured financial institutions on behalf of The Financing Corporation (“FICO”). The funds from these assessments are used to service debt issued by FICO in its capacity as a financial vehicle for the Federal Savings & Loan Insurance Corporation. The FICO assessment rate is set quarterly and in 2013 was 0.64 cents per $100 of assessable deposits for all four quarters. The assessment rate has been dropped to 0.62 cents for the first quarter of 2014. These assessments will continue until the debt matures between 2017 and 2019.

 

The FDIC may terminate its insurance of deposits if it finds that the institution has engaged in unsafe and unsound practices, is in an unsafe or unsound condition to continue operations, or has violated any applicable law, regulation, rule, order, or condition imposed by the FDIC.

 

Allowance for Loan and Lease Losses. The Allowance for Loan and Lease Losses (the “ALLL”) represents one of the most significant estimates in the Bank’s financial statements and regulatory reports. Because of its significance, the Bank has developed a system by which it develops, maintains, and documents a comprehensive, systematic, and consistently applied process for determining the amounts of the ALLL and the provision for loan and lease losses. The Interagency Policy Statement on the Allowance for Loan and Lease Losses, issued on December 13, 2006, encourages all banks to ensure controls are in place to consistently determine the ALLL in accordance with GAAP, the bank’s stated policies and procedures, management’s best judgment and relevant supervisory guidance. Consistent with supervisory guidance, the Bank maintains a prudent and conservative, but not excessive, ALLL, that is at a level that is appropriate to cover estimated credit losses on individually evaluated loans determined to be impaired as well as estimated credit losses inherent in the remainder of the loan and lease portfolio. The Bank’s estimate of credit losses reflects consideration of all significant factors that affect the collectibility of the portfolio as of the evaluation date. See “Management’s Discussion and Analysis – Critical Accounting Policies.”

 

Commercial Real Estate Lending. The Bank’s lending operations may be subject to enhanced scrutiny by federal banking regulators based on its concentration of commercial real estate loans. On December 6, 2006, the federal banking regulators issued final guidance to remind financial institutions of the risk posed by commercial real estate (“CRE”) lending concentrations. CRE loans generally include land development, construction loans, and loans secured by multifamily property, and nonfarm, nonresidential real property where the primary source of repayment is derived from rental income associated with the property.

 

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The guidance prescribes the following guidelines for its examiners to help identify institutions that are potentially exposed to significant CRE risk and may warrant greater supervisory scrutiny:

 

  · total reported loans for construction, land development and other land represent 100% or more of the institutions total capital, or
     
  · total commercial real estate loans represent 300% or more of the institution’s total capital, and the outstanding balance of the institution’s commercial real estate loan portfolio has increased by 50% or more.

 

Enforcement Powers. The Financial Institution Reform Recovery and Enforcement Act (“FIRREA”) expanded and increased civil and criminal penalties available for use by the federal regulatory agencies against depository institutions and certain “institution-affiliated parties.” Institution-affiliated parties primarily include management, employees, and agents of a financial institution, as well as independent contractors and consultants such as attorneys and accountants and others who participate in the conduct of the financial institution’s affairs. These practices can include the failure of an institution to timely file required reports or the filing of false or misleading information or the submission of inaccurate reports. Civil penalties may be as high as $1,100,000 per day for such violations. Criminal penalties for some financial institution crimes have been increased to 20 years. In addition, regulators are provided with greater flexibility to commence enforcement actions against institutions and institution-affiliated parties.

 

Possible enforcement actions include the termination of deposit insurance. Furthermore, banking agencies’ power to issue regulatory orders were expanded. Such orders may, among other things, require affirmative action to correct any harm resulting from a violation or practice, including restitution, reimbursement, indemnifications or guarantees against loss. A financial institution may also be ordered to restrict its growth, dispose of certain assets, rescind agreements or contracts, or take other actions as determined by the ordering agency to be appropriate. The Dodd-Frank Act increases regulatory oversight, supervision and examination of banks, bank holding companies and their respective subsidiaries by the appropriate regulatory agency.

 

Community Reinvestment Act. The Community Reinvestment Act requires that, in connection with examinations of financial institutions within their respective jurisdictions, the Federal Reserve or the FDIC shall evaluate the record of each financial institution in meeting the credit needs of its local community, including low and moderate-income neighborhoods. These facts are also considered in evaluating mergers, acquisitions, and applications to open a branch or facility. Failure to adequately meet these criteria could impose additional requirements and limitations on the Bank. Additionally, we must publicly disclose the terms of various Community Reinvestment Act-related agreements.

 

Consumer Protection

 

The Bank is also subject to consumer laws and regulations intended to protect consumers in transactions with depository institutions, as well as other laws or regulations affecting customers of financial institutions generally. These laws and regulations include but are not limited to:

 

  · The federal Truth-In-Lending Act, governing disclosures of credit terms to consumer borrowers;

 

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  · The Home Mortgage Disclosure Act of 1975, requiring financial institutions to provide information to enable the public and public officials to determine whether a financial institution is fulfilling its obligation to help meet the housing needs of the community it serves;
     
  · The Equal Credit Opportunity Act, prohibiting discrimination on the basis of race, creed or other prohibited factors in extending credit;
     
  · The Fair Credit Reporting Act of 1978, governing the use and provision of information to credit reporting agencies, certain identity theft protections, and certain credit and other disclosures;
     
  · The Fair Debt Collection Act, governing the manner in which consumer debts may be collected by collection agencies;
     
  · National Flood Insurance Act and Flood Disaster Protection Act, requiring flood insurance to extend or renew certain loans in flood plains;
     
  · Real Estate Settlement Procedures Act, requiring certain disclosures concerning loan closing costs and escrows, and governing transfers of loan servicing and the amounts of escrows in connection with loans secured by one-to-four family residential properties;
     
  · Bank Secrecy Act, as amended by the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (the “USA PATRIOT Act”), imposing requirements and limitations on specific financial transactions and account relationships, intended to guard against money laundering and terrorism financing;
     
  · Sections 22(g) and 22(h) of the Federal Reserve Act which set lending restrictions and limitations regarding loans and other extensions of credit made to executive officers, directors, principal shareholders and other insiders;
     
  · Soldiers’ and Sailors’ Civil Relief Act of 1940, as amended, governing the repayment terms of, and property rights underlying, secured obligations of persons currently on active duty with the United States military;
     
  · Talent Amendment in the 2007 Defense Authorization Act, establishing a 36% annual percentage rate ceiling, which includes a variety of charges including late fees, for certain types of consumer loans to military service members and their dependents; and
     
  · The rules and regulations of the various federal agencies charged with the responsibility of implementing these federal laws.
     
  · The Right to Financial Privacy Act, which imposes a duty to maintain confidentiality of consumer financial records and prescribes procedures for complying with administrative subpoenas of financial records;

 

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  · The Electronic Funds Transfer Act and Regulation E issued by the Federal Reserve to implement that act, which governs automatic deposits to and withdrawals from deposit accounts and customers’ rights and liabilities arising from the use of automated teller machines and other electronic banking services;
     
  · Truth-In-Savings Act, requiring certain disclosures for consumer deposit accounts; and
     
  · The rules and regulations of the various federal banking regulators charged with the responsibility of implementing these federal laws.

 

Capital Adequacy

 

The Company and the Bank are required to comply with the capital adequacy standards established by the Federal Reserve for member banks and bank holding companies. The Federal Reserve has established a risk-based and a leverage measure of capital adequacy for bank holding companies. Since the Company’s consolidated assets are less than $500 million, under the Federal Reserve’s capital guidelines, our capital adequacy is measured on a bank-only basis as opposed to a consolidated basis. The Bank is also subject to risk-based and leverage capital requirements adopted by the FDIC, which are substantially similar to those adopted by the Federal Reserve for bank holding companies.

 

The risk-based capital standards are designed to make regulatory capital requirements more sensitive to differences in risk profiles among banks and bank holding companies, to account for off-balance-sheet exposure, and to minimize disincentives for holding liquid assets. Assets and off-balance-sheet items, such as letters of credit and unfunded loan commitments, are assigned to broad risk categories, each with appropriate risk weights. The resulting capital ratios represent capital as a percentage of total risk-weighted assets and off-balance-sheet items.

 

The minimum guideline for the ratio of total capital to risk-weighted assets, and classification as adequately capitalized, is 8%. A bank that fails to meet the required minimum guidelines is classified as undercapitalized and is subject to operating and managerial restrictions. A bank that maintains a ratio of total capital to risk-weighted assets of 10% or more is classified as well capitalized.

 

Total capital consists of two components, Tier 1 Capital and Tier 2 Capital. Tier 1 Capital generally consists of common shareholders’ equity, noncontrolling interests in the equity accounts of consolidated subsidiaries, qualifying noncumulative perpetual preferred stock, and a limited amount of qualifying trust preferred securities and qualifying cumulative perpetual preferred stock, less goodwill and other specified intangible assets. Tier 1 Capital must equal at least 4% of risk-weighted assets. Tier 2 Capital generally includes, among other things, perpetual preferred stock, qualifying mandatory convertible debt securities, qualifying subordinated debt, trust preferred securities not meeting the Tier 1 definition, and a limited amount of loan loss reserves. The total amount of Tier 2 Capital is limited to 100% of Tier 1 Capital. At December 31, 2013, the Company’s ratio of total capital to risk-weighted assets was 19% and our ratio of Tier 1 Capital to risk-weighted assets was 18%.

 

In addition, the Federal Reserve has established minimum leverage ratio guidelines for bank holding companies. These guidelines provide for a minimum ratio of Tier 1 Capital to average assets, less goodwill and other specified intangible assets, of 3% for bank holding companies that meet specified criteria, including having the highest regulatory rating and implementing the Federal Reserve’s risk-based capital measure for market risk. All other bank holding companies generally are required to maintain a leverage ratio of at least 4%. At December 31, 2013, the Company’s leverage ratio was 11%. The guidelines also provide that bank holding companies experiencing internal growth or making acquisitions will be expected to maintain strong capital positions substantially above the minimum supervisory levels without reliance on intangible assets. The Federal Reserve considers the leverage ratio and other indicators of capital strength in evaluating proposals for expansion or new activities.

 

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Provisions of the Dodd-Frank Act commonly referred to as the “Collins Amendment” established new minimum leverage and risk-based capital requirements on bank holding companies and eliminated the inclusion of “hybrid capital” instruments in Tier 1 capital by certain institutions.

 

The Dodd-Frank Act establishes certain regulatory capital deductions with respect to hybrid capital instruments, such as trust preferred securities, that will effectively disallow the inclusion of such instruments in Tier 1 capital if such capital instrument is issued on or after May 19, 2010. However, preferred shares issued to the U.S. Department of the Treasury (the “Treasury”) pursuant to the TARP Capital Purchase Program (“TARP CPP”) or TARP Community Development Capital Initiative (“TARP CDCI”) are exempt from the Collins Amendment and are permanently includable in Tier 1 capital.

 

Failure to meet capital guidelines could subject a bank or bank holding company to a variety of enforcement remedies, including issuance of a capital directive, the termination of deposit insurance by the FDIC, a prohibition on accepting brokered deposits, and certain other restrictions on its business. As described above, significant additional restrictions can be imposed on FDIC-insured depository institutions that fail to meet applicable capital requirements. See “—Prompt Corrective Action” above for a summary of the restriction to which we would become subject if our capital condition were to significantly deteriorate.

 

The Federal Reserve Board, and the FDIC have authority to compel or restrict certain actions if the Bank’s capital should fall below adequate capital standards as a result of operating losses, or if its regulators otherwise determine that it has insufficient capital. Among other matters, the corrective actions may include, removing officers and directors; and assessing civil monetary penalties; and taking possession of and closing and liquidating the Bank.

 

Generally, the regulatory capital framework under which the Company and the Bank operate is in a period of change with likely legislation or regulation that will continue to revise the current standards and very likely increase capital requirements for the entire banking industry. Pursuant to the Dodd-Frank Act, bank regulators are required to establish new minimum leverage and risk-based capital requirements for certain bank holding companies and systematically important non-bank financial companies. The new minimum thresholds will not be lower than existing regulatory capital and leverage standards applicable to insured depository institutions and may, in fact, be higher once established.

 

Basel III

 

On July 2, 2013, the Federal Reserve approved a final rule to establish a new comprehensive regulatory capital framework for all US banking organizations. On July 9, 2013, the final rule was approved (as an interim final rule) by the Federal Deposit Insurance Corporation (“FDIC”). The Regulatory Capital Framework (Basel III) implements several changes to the US regulatory capital framework required by the Dodd-Frank Act. The new US capital framework imposes higher minimum capital requirements, additional capital buffers above those minimum requirements, a more restrictive definition of capital, and higher risk weights for various enumerated classifications of assets, the combined impact of which effectively results in substantially more demanding capital standards for US banking organizations.

 

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The Basel III final rule establishes a new common equity Tier 1 capital (“CET1”) requirement, an increase in the Tier 1 capital requirement from 4.0% to 6.0% and maintains the current 8.0% total capital requirement. The new CET1 and minimum Tier 1 capital requirements are effective January 1, 2015. In addition to these minimum risk-based capital ratios, the Basel final rule requires that all banking organizations maintain a “capital conservation buffer” consisting of common equity Tier 1 capital (“CET1”) in an amount equal to 2.5% of risk-weighted assets in order to avoid restrictions on their ability to make capital distributions and to pay certain discretionary bonus payments to executive officers. In order to avoid those restrictions, the capital conservation buffer effectively increases the minimum CET1 capital, Tier 1 capital, and total capital ratios for US banking organizations to 7.0%, 8.5%, and 10.5%, respectively. Banking organizations with capital levels that fall within the buffer will be required to limit dividends, share repurchases or redemptions (unless replaced within the same calendar quarter by capital instruments of equal or higher quality), and discretionary bonus payments. The capital conservation buffer is phased in over a 5-year period beginning January 1, 2016.

 

As required by Dodd-Frank, the Basel III final rule requires that capital instruments such as trust preferred securities and cumulative preferred shares be phased-out of Tier 1 capital by January 1, 2016, for banking organizations that had $15 billion or more in total consolidated assets as of December 31, 2009 and permanently grandfathers as Tier 1 capital such instruments issued by these smaller entities prior to May 19, 2010 (provided they do not exceed 25 percent of Tier 1 capital).

 

The Basel III final rule provides banking organizations under $250 billion in total consolidated assets or under $10 billion in foreign exposures with a one-time “opt-out” right to continue excluding Accumulated Other Comprehensive Income from CET1 capital. The election to opt out must be made on the banking organization’s first Call Report filed after January 1, 2015.

 

The Basel III final rule requires that goodwill and other intangible assets (other than mortgage servicing assets), net of associated deferred tax liabilities (“DTLs”), be deducted from CET1 capital. Additionally, deferred tax assets (“DTAs”) that arise from net operating loss and tax credit carryforwards, net of associated DTLs and valuation allowances, are fully deducted from CET1 capital. However, DTAs arising from temporary differences that could not be realized through net operating loss carrybacks, along with mortgage servicing assets and “significant” (defined as greater than 10% of the issued and outstanding common stock of the unconsolidated financial institution) investments in the common stock of unconsolidated “financial institutions” are partially includible in CET1 capital, subject to deductions defined in the final rule.

 

Based on a preliminary assessment of the impact of Basel III, management of the Company anticipates that the Company and Bank will be in compliance with the Basel III guidelines within the implementation periods.

 

Payment of Dividends

 

The Company is a legal entity separate and distinct from the Bank. The principal source of the Company’s cash flow, including cash flow to pay dividends to its shareholders, is dividends that the Bank pays to the Company, its sole shareholder. Statutory and regulatory limitations apply to the Bank’s payment of dividends to the Company as well as to the Company’s payment of dividends to its shareholders.

 

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If, in the opinion of the federal banking regulator, the Bank were engaged in or about to engage in an unsafe or unsound practice, the federal banking regulator could require, after notice and a hearing, that it cease and desist from its practice. The federal banking agencies have indicated that paying dividends that deplete a depository institution’s capital base to an inadequate level would be an unsafe and unsound banking practice. Under the Federal Deposit Insurance Corporation Improvement Act of 1991, a depository institution may not pay any dividend if payment would cause it to become undercapitalized or if it is already undercapitalized. Moreover, the federal agencies have issued policy statements that provide that bank holding companies and insured banks should generally only pay dividends out of current operating earnings.

 

The Georgia Department of Banking and Finance also regulates the Bank’s dividend payments and must approve dividend payments that would exceed 50% of the Bank’s net income for the prior year. Our payment of dividends may also be affected or limited by other factors, such as the requirement to maintain adequate capital above regulatory guidelines.

 

When the Company received a capital investment from the United States Department of the Treasury in exchange for Preferred Stock under the Troubled Assets Relief Program (“TARP”) Capital Purchase Program on March 6, 2009, which investment has since been converted to an investment under the TARP CDCI, the Company became subject to additional limitations on the payment of dividends. These limitations require, among other things, that for as long as the Preferred Stock is outstanding, no dividends may be declared or paid on the Company’s common stock until all accrued and unpaid dividends on the Preferred Stock are fully paid. In addition, the U.S. Treasury’s consent is required for any increase in dividends on common stock while the Preferred Stock is still outstanding.

 

Furthermore, the Federal Reserve Board clarified its guidance on dividend policies for bank holding companies through the publication of a Supervisory Letter, dated February 24, 2009. As part of the letter, the Federal Reserve Board encouraged bank holding companies, particularly those that had participated in the CPP, to consult with the Federal Reserve Board prior to dividend declarations and redemption and repurchase decisions even when not explicitly required to do so by federal regulations. The Federal Reserve Board has indicated that TARP recipients, such as the Company, should consider and communicate in advance to regulatory staff how proposed dividends, capital repurchases, and capital redemptions are consistent with its obligation to eventually redeem the securities held by the Treasury. This guidance is largely consistent with prior regulatory statements encouraging bank holding companies to pay dividends out of net income and to avoid dividends that could adversely affect the capital needs or minimum regulatory capital ratios of the bank holding company and its subsidiary bank.

 

Restrictions on Transactions with Affiliates

 

The Company and the Bank are subject to the provisions of Section 23A of the Federal Reserve Act. Section 23A places limits on the amount of:

 

·loans or extensions of credit to affiliates;

 

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·investment in affiliates;

 

·the purchase of assets from affiliates, except for real and personal property exempted by the Federal Reserve;

 

·loans or extensions of credit to third parties collateralized by the securities or obligations of affiliates; and

 

·any guarantee, acceptance or letter of credit issued on behalf of an affiliate.

 

The total amount of the above transactions is limited in amount, as to any one affiliate, to 10% of a bank’s capital and surplus and, as to all affiliates combined, to 20% of a bank’s capital and surplus. In addition to the limitation on the amount of these transactions, each of the above transactions must also meet specified collateral requirements. The Bank must also comply with other provisions designed to avoid the taking of low-quality assets.

 

The Company and the Bank are also subject to the provisions of Section 23B of the Federal Reserve Act which, among other things, prohibit an institution from engaging in the above transactions with affiliates unless the transactions are on terms substantially the same, or at least as favorable to the institution or its subsidiaries, as those prevailing at the time for comparable transactions with nonaffiliated companies.

 

The Dodd-Frank Act enhances the requirements for certain transactions with affiliates under Section 23A and 23B, including an expansion of the definition of “covered transactions” and increasing the amount of time for which collateral requirements regarding covered transactions must be maintained.

 

The Bank is also subject to restrictions on extensions of credit to its executive officers, directors, principal shareholders and their related interests. These extensions of credit (1) must be made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with third parties, and (2) must not involve more than the normal risk of repayment or present other unfavorable features.

 

The Dodd-Frank Act also prohibits an insured depository institution from engaging in asset purchases or sales transactions with its officers, directors or principal shareholders unless on market terms and, if the transaction represents greater than 10% of the capital and surplus of the bank, has been approved by a majority of the disinterested directors.

 

Limitations on Senior Executive Compensation

 

In June of 2010, federal banking regulators issued guidance designed to help ensure that incentive compensation policies at banking organizations do not encourage excessive risk-taking or undermined the safety and soundness of the organization. In connection with this guidance, the regulatory agencies announced that they will review incentive compensation arrangements as part of the regular, risk-focused supervisory process. Regulatory authorities may also take enforcement action against a banking organization if its incentive compensation arrangement or related risk management, control, or governance processes pose a risk to the safety and soundness of the organization and the organization is not taking prompt and effective measures to correct the deficiencies. To ensure that incentive compensation arrangements do not undermine safety and soundness at insured depository institutions, the incentive compensation guidance sets forth the following key principles:

 

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·Incentive compensation arrangements should provide employees incentives that appropriately balance risk and financial results in a manner that does not encourage employees to expose the organization to imprudent risk;

 

·Incentive compensation arrangements should be compatible with effective controls and risk management; and

 

·Incentive compensation arrangements should be supported by strong corporate governance, including active and effective oversight by the board of directors.

 

Because the Company received a capital investment from the United States Department of the Treasury under the TARP Capital Purchase Program and now has a capital investment in the TARP Community Development Capital Initiative, the Company is subject to executive compensation limitations. For example, the Company must meet the following standards:

 

·Ensure that senior executive incentive compensation packages do not encourage excessive risk;

 

·Subject senior executive compensation to “clawback” if the compensation was based on inaccurate financial information or performance metrics;

 

·Prohibit any golden parachute payments to senior executive officers;

 

·Agree not to deduct more than $500,000 for a senior executive officer’s compensation; and

 

·Agree not to pay any cash incentive bonus to the most highly compensated senior executive officer.

 

Financial Regulatory Reform

 

On July 21, 2010, the President signed into law the Dodd-Frank Act, which contains a comprehensive set of provisions designed to govern the practices and oversight of financial institutions and other participants in the financial markets. The Dodd-Frank Act made extensive changes in the regulation of financial institutions and their holding companies. It requires various federal agencies to adopt a broad range of new rules and regulations, and to prepare numerous studies and reports for Congress. These studies could potentially result in additional legislative or regulatory action.

Uncertainty remains as to the ultimate impact of the Dodd-Frank Act, which could have a material adverse impact on the financial services industry as a whole or on ours and the Bank’s business, results of operations, and financial condition. Many aspects of the Dodd-Frank Act are subject to rulemaking and will take effect over several years, making it difficult to anticipate the overall financial impact on the Company, its customers or the financial industry more generally. However, it is likely that the Dodd-Frank Act will increase the regulatory burden, compliance costs and interest expense for the Company and Bank. Some of the rules that have been adopted to comply with the Dodd-Frank Act’s mandates are discussed below.

Consumer Financial Protection Bureau: The Dodd-Frank Act centralized responsibility for consumer financial protection including implementing, examining and enforcing compliance with federal consumer financial laws with Consumer Financial Protection Bureau (the “CFPB”). Depository institutions with less than $10 billion in assets, such as our Bank, will be subject to rules promulgated by the CFPB but will continue to be examined and supervised by federal banking regulators for consumer compliance purposes.

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UDAP and UDAAP: Recently, banking regulatory agencies have increasingly used a general consumer protection statute to address “unethical” or otherwise “bad” business practices that may not necessarily fall directly under the purview of a specific banking or consumer finance law. The law of choice for enforcement against such business practices has been Section 5 of the Federal Trade Commission Act—the primary federal law that prohibits unfair or deceptive acts or practices and unfair methods of competition in or affecting commerce (“UDAP” or “FTC Act”). “Unjustified consumer injury” is the principal focus of the FTC Act. Prior to the Dodd-Frank Act, there was little formal guidance to provide insight to the parameters for compliance with the UDAP law. However, the UDAP provisions have been expanded under the Dodd-Frank Act to apply to “unfair, deceptive or abusive acts or practices” (“UDAAP”), which has been delegated to the CFPB for supervision. The CFPB has published its first Supervision and Examination Manual that addresses compliance with and the examination of UDAAP.

 

Mortgage Reform: The CFPB has adopted final rules implementing minimum standards for the origination of residential mortgages, including standards regarding a customer’s ability to repay, restricting variable-rate lending by requiring that the ability to repay variable-rate loans be determined by using the maximum rate that will apply during the first five years of a variable-rate loan term, and making more loans subject to provisions for higher cost loans, new disclosures, and certain other revisions. In addition, the Dodd-Frank Act allows borrowers to raise certain defenses to foreclosure if they receive any loan other than a “qualified mortgage” as defined by the CFPB.

 

Deposit Insurance and Assessments: The $250,000 limit for federal deposit insurance for noninterest-bearing demand transaction accounts at all insured depository institutions was made permanent by the Dodd-Frank Act. The Dodd-Frank Act also changed the assessment base for federal deposit insurance from the amount of insured deposits to consolidated assets less tangible capital, eliminated the ceiling on the size of the Deposit Insurance Fund (“DIF”), and increased the floor on the size of the DIF, which generally will require an increase in the level of assessments for institutions with assets in excess of $10 billion.

 

Demand Deposits: The Dodd-Frank Act repealed the federal prohibitions on the payment of interest on demand deposits, thereby permitting depository institutions to pay interest on business transactions and other accounts.

 

Interchange Fees: The Federal Reserve has issued final rules limiting the amount of any debit card interchange fee that an issuer may receive or charge with respect to electronic debit card transactions to be reasonable and proportional to the cost incurred by the issuer with respect to the transaction.

 

Volcker Rule: On December 10, 2013, the federal regulators adopted final regulations to implement the proprietary trading and private fund prohibitions of the Volcker Rule under the Dodd-Frank Act. Under the final regulations, which will become effective on April 1, 2014, banking entities are generally prohibited, subject to significant exceptions from: (i) short-term proprietary trading as principal in securities and other financial instruments, and (ii) sponsoring or acquiring or retaining an ownership interest in private equity and hedge funds. The Federal Reserve has granted an extension for compliance with the Volcker Rule until July 21, 2015.

 

Proposed Legislation and Regulatory Action

 

New regulations and statutes are regularly proposed that contain wide-ranging proposals for altering the structures, regulations and competitive relationships of financial institutions operating or doing business in the United States. We cannot predict whether or in what form any proposed regulation or statute will be adopted or the extent to which our business may be affected by any new regulation or statute.

 

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Effect of Governmental Monetary Polices

 

Our earnings are affected by domestic economic conditions and the monetary and fiscal policies of the United States government and its agencies. The Federal Reserve Bank’s monetary policies have had, and are likely to continue to have, an important impact on the operating results of commercial banks through its power to implement national monetary policy in order, among other things, to curb inflation or combat a recession. The monetary policies of the Federal Reserve affect the levels of bank loans, investments and deposits through its control over the issuance of United States government securities, its regulation of the discount rate applicable to member banks and its influence over reserve requirements to which member banks are subject. We cannot predict the nature or impact of future changes in monetary and fiscal policies.

 

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ITEM 1A.          RISK FACTORS

 

An investment in the Company’s common stock involves a high degree of risk. If any of the following risks or other risks which have not been identified or which we may believe are immaterial or unlikely, actually occur, our business, financial condition and results of operations could be harmed. In such a case, the trading price of our common stock could decline, and you may lose all or part of your investment. The risks discussed below also include forward-looking statements, and our actual results may differ substantially from those discussed in these forward-looking statements.

 

Investors should consider carefully the risks described below and the other information in this report before deciding to invest in the Company’s common stock.

 

Our allowance for loan losses may not be adequate to cover actual loan losses, which may require us to take a charge to our earnings and adversely impact our financial condition and results of operations.

 

We maintain an allowance for estimated loan losses that we believe is adequate for absorbing any probable losses in our loan portfolio. Management determines the provision for loan losses based upon an analysis of general market conditions, credit quality of our loan portfolio, and performance of our customers relative to their financial obligations with us. We employ an outside vendor specializing in credit risk management to evaluate our loan portfolio for risk grading, which can result in changes in our allowance for estimated loan losses. The amount of future losses is susceptible to changes in economic, operating, and other conditions, including changes in interest rates that may be beyond our control and such losses may exceed the allowance for estimated loan losses. Although management believes that the allowance for estimated loan losses is adequate to absorb any probable losses on existing loans that may become uncollectible, there can be no assurance that the allowance will prove sufficient to cover actual loan losses in the future. Significant increases to the provision for loan losses may be necessary if material adverse changes in general economic conditions occur or the performance of our loan portfolio deteriorates. Additionally, federal banking regulators, as an integral part of their supervisory function, periodically review the allowance for estimated loan losses. If these regulatory agencies require us to increase the allowance for estimated loan losses, it would have a negative effect on our results of operations and financial condition.

 

We could suffer loan losses from a decline in credit quality.

 

We could sustain losses if borrowers, guarantors and related parties fail to perform in accordance with the terms of their loans. We have adopted underwriting and credit monitoring procedures and policies, including the establishment and review of the allowance for credit losses that we believe are appropriate to minimize this risk by assessing the likelihood of nonperformance, tracking loan performance and diversifying our credit portfolio. These policies and procedures, however, may not prevent unexpected losses that could materially adversely affect our results of operations.

 

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If the value of real estate in our core market were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on our business, financial condition and results of operations.

 

With most of our loans concentrated in metro Atlanta, Georgia and Birmingham, Alabama, a decline in local economic conditions could adversely affect the values of our real estate collateral. Consequently, a decline in local economic conditions may have a greater effect on our earnings and capital than on the earnings and capital of larger financial institutions whose real estate loan portfolios are geographically diverse.

 

In addition to considering the financial strength and cash flow characteristics of borrowers, we often secure loans with real estate collateral. The real estate collateral in each case provides an alternate source of repayment in the event of default by the borrower and may deteriorate in value during the time the credit is extended. Moreover, if economic conditions were to decline, the Company may be required to further increase our loan loss provision, and may experience significantly higher delinquencies and credit losses. An increase in our loan loss provision or increased credit losses would reduce earnings and adversely affect the Company’s financial condition. Furthermore, to the extent that real estate collateral is obtained through foreclosure, the costs of holding and marketing the real estate collateral, as well as the ultimate values obtained from disposition, could reduce the Company’s earnings and adversely affect the Company’s financial condition.

 

The amount of “other real estate owned” (“OREO”) may increase significantly, resulting in additional losses, and costs and expenses that will negatively affect our operations.

 

At December 31, 2013, we had a total of $7,404,000 of OREO, reflecting a $791,000 decrease, or 10%, compared to 2012. This decrease in OREO is primarily due to sales and write-downs of OREO market valuations which exceeded additions to OREO in 2013. While we do not foresee it, the amount of OREO may increase in 2014. As the amount of OREO increases, our losses, and the costs and expenses to maintain the real estate likewise will increase. Any additional increase in losses, and maintenance costs and expenses due to OREO may have material adverse effects on our business, financial condition, and results of operations. Such effects may be particularly pronounced in a market of reduced real estate values and excess inventory, which may make the disposition of OREO properties more difficult, increase maintenance costs and expenses, and may reduce our ultimate realization from any OREO sales.

 

Future impairment losses could be required on various investment securities, which may materially reduce the Company’s and the Bank’s regulatory capital levels.

 

The Company establishes fair value estimates of securities available-for-sale in accordance with generally accepted accounting principles. The Company’s estimates can change from reporting period to reporting period, and we cannot provide any assurance that the fair value estimates of our investment securities would be the realizable value in the event of a sale of the securities.

 

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A number of factors could cause the Company to conclude in one or more future reporting periods that any difference between the fair value and the amortized cost of one or more of the securities that we own constitutes an other-than-temporary impairment. These factors include, but are not limited to, an increase in the severity of the unrealized loss on a particular security, an increase in the length of time unrealized losses continue without an improvement in value, a change in our intent or ability to hold the security for a period of time sufficient to allow for the forecasted recovery, or changes in market conditions or industry or issuer specific factors that would render us unable to forecast a full recovery in value, including adverse developments concerning the financial condition of the companies in which we have invested.

 

In addition, depending on various factors, including the fair values of other securities that we hold, we may be required to take additional other-than-temporary impairment charges on other investment securities. Any other-than-temporary impairment charges would negatively affect our regulatory capital levels, and may result in a change to our capitalization category, which could limit certain corporate practices and could compel us to take specific actions.

 

Additional growth or deterioration in the value of assets may require us to raise additional capital in the future, but that capital may not be available when it is needed, which could adversely affect our financial condition and results of operations.

 

We are required by federal and state regulatory authorities to maintain adequate levels of capital to support our operations. We anticipate that our current capital resources will satisfy our capital requirements for the foreseeable future. We may at some point, however, need to raise additional capital to support our continued growth.

 

Our ability to raise additional capital, if needed, will depend on conditions in the capital markets at that time, which are outside our control, and on our financial performance. Accordingly, we cannot assure you of our ability to raise additional capital, if needed, on terms acceptable to us. If we cannot raise additional capital when needed, our ability to further expand our operations could be materially impaired.

 

Our access to additional short term funding to meet our liquidity needs is limited.

 

We must maintain, on a daily basis, sufficient funds to cover withdrawals from depositors’ accounts and to supply new borrowers with funds. We routinely monitor asset and liability maturities in an attempt to match maturities to meet liquidity needs. To meet our cash obligations, we rely on repayments as asset mature, keep cash on hand, maintain account balances with correspondent banks, purchase and sell federal funds, purchase brokered deposits and maintain a line of credit with the Federal Reserve Bank and the Federal Home Loan Bank. If we are unable to meet our liquidity needs through loan and other asset repayments and our cash on hand, we may need to borrow additional funds. Due to the limited availability of liquidity as a result of the subprime mortgage crisis, our access to additional borrowed funds may be limited and we may be required to pay above market rates for additional borrowed funds, which may adversely our results of operations.

 

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Changes in monetary policies may have an adverse effect on our business, financial condition and results of operations.

 

Our financial condition and results of operations are affected by credit policies of monetary authorities, particularly the Federal Reserve Board. Actions by monetary and fiscal authorities, including the Federal Reserve Board, could have an adverse effect on our deposit levels, loan demand or business and earnings.

 

Our net interest income could be negatively affected by the Federal Reserve’s interest rate adjustments, as well as by competition in our market area.

 

As a financial institution, our earnings significantly depend on our net interest income, which is the difference between the interest income that we earn on interest-earning assets, such as investment securities and loans, and the interest expense that we pay on interest-bearing liabilities, such as deposits and borrowings. Therefore, any change in general market interest rates, including changes resulting from changes in the Federal Reserve’s fiscal and monetary policies, affects us more than non-financial institutions and can have a significant effect on our net interest income and total income. Our assets and liabilities may react differently to changes in overall market rates or conditions because there may be mismatches between the repricing or maturity characteristics of the assets and liabilities. As a result, an increase or decrease in market interest rates could have material adverse effects on our net interest margin and results of operations.

 

In response to the dramatic deterioration of the subprime, mortgage, credit, and liquidity markets and the resultant effect on the economy, the Federal Reserve has continued to reduce interest rates, which has reduced our net interest income and will likely continue to reduce this income for the foreseeable future. Any reduction in our net interest income will negatively affect our business, financial condition, liquidity, operating results, cash flows and, potentially, the price of our securities. Additionally, in 2014, we expect to have continued margin pressure given these historically low interest rates.

 

We are subject to extensive regulation, including the Dodd-Frank Reform Act, that could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business, which limitations or restrictions could adversely affect our profitability.

 

As a bank holding company, we are primarily regulated by the Board of Governors of the Federal Reserve System (“Federal Reserve Board”). As a Federal Reserve member bank, our subsidiary bank is primarily regulated by the Federal Reserve Board and the State of Georgia Department of Banking and Finance. Our compliance with Federal Reserve Board and Department of Banking and Finance regulations is costly and may limit our growth and restrict certain of our activities, including payment of dividends, mergers and acquisitions, investments, loans and interest rates charged, interest rates paid on deposits and locations of offices. We are also subject to capital requirements of our regulators.

 

The laws and regulations applicable to the banking industry could change at any time, and we cannot predict the effects of these changes on our business and profitability. Because government regulation greatly affects the business and financial results of all commercial banks and bank holding companies, our cost of compliance could adversely affect our ability to operate profitably.

 

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The Sarbanes-Oxley Act of 2002, the related rules and regulations promulgated by the SEC that currently apply to us and the related exchange rules and regulations, have increased the scope, complexity and cost of corporate governance, reporting and disclosure practices. As a result, we may experience greater compliance costs.

 

On July 21, 2010, President Obama signed the Dodd-Frank Act into law. The Dodd-Frank Act represented a significant overhaul of many aspects of the regulation of the financial-services industry. Major elements in the Dodd-Frank Act include the following:

 

·The establishment of the Financial Stability Oversight Counsel, which is responsible for identifying and monitoring systemic risks posed by financial firms, activities, and practices.

 

·Enhanced supervision of large bank holding companies (i.e., those with over $50 billion in total consolidated assets), with more stringent supervisory standards to be applied to them.

 

·The creation of a special regime to allow for the orderly liquidation of systemically important financial companies, including the establishment of an orderly liquidation fund.

 

·The development of regulations to address derivatives markets, including clearing and exchange trading requirements and a framework for regulating derivatives-market participants.

 

·Enhanced supervision of credit-rating agencies through the Office of Credit Ratings within the SEC.

 

·Increased regulation of asset-backed securities, including a requirement that issuers of asset-backed securities retain at least 5% of the risk of the asset-backed securities.

 

·The establishment of the CFPB to serve as a dedicated consumer-protection regulatory body.

 

·Amendments to the Truth in Lending Act aimed at improving consumer protections with respect to mortgage originations, including originator compensation, minimum repayment standards, and prepayment considerations.

 

The majority of the provisions in the Dodd-Frank Act are aimed at financial institutions that are significantly larger than the Company or the Bank. Nonetheless, there are provisions with which we must comply. Rules and regulations have been promulgated by the federal agencies responsible for implementing and enforcing the provisions in the Dodd-Frank Act, and we must apply resources to ensure that we are in compliance with all applicable provisions, which may adversely impact our earnings.

 

The CFPB may reshape the consumer financial laws through rulemaking and enforcement of unfair, deceptive or abusive practices, which may directly impact the business operations of depository institutions offering consumer financial products or services including the Bank.

 

The CFPB has broad rulemaking authority to administer and carry out the purposes and objectives of the “Federal consumer financial laws, and to prevent evasions thereof,” with respect to all financial institutions that offer financial products and services to consumers. The CFPB is also authorized to prescribe rules applicable to any covered person or service provider identifying and prohibiting acts or practices that are “unfair, deceptive, or abusive” in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service (“UDAP authority”). The potential reach of the CFPB’s broad new rulemaking powers and UDAP authority on the operations of financial institutions offering consumer financial products or services including the Bank is currently unknown.

 

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The Volcker Rule limits the permissible strategies for managing our investment portfolio.

 

Effective December 10, 2013, pursuant to the Dodd-Frank Act, federal banking and securities regulators issued final rules to implement Section 619 of the Dodd-Frank Act (the “Volcker Rule”). Generally, subject to a transition period and certain exceptions, the Volcker Rule restricts insured depository institutions and their affiliated companies from: (i) short-term proprietary trading as principal in securities and other financial instruments, and (ii) sponsoring or acquiring or retaining an ownership interest in private equity and hedge funds. After the transition period, the Volcker Rule prohibitions and restrictions will apply to banking entities, including the Company, unless an exception applies. Although the Volcker Rule currently has no effect on our investment portfolio, it could prohibit future investment strategies which could, in turn, negatively affect our earnings.

 

We may be required to pay significantly higher FDIC premiums or remit special assessments that could adversely affect our earnings.

 

Market developments in the economic downturn have significantly depleted the FDIC’s Deposit Insurance Fund (“DIF”) and reduced its ratio of reserves to insured deposits. The FDIC’s assessment rates are intended to result in a reserve ratio of at least 1.15%. As of December 31, 2008, the ratio had fallen well below this floor. The FDIC is required to return the DIF to its statutorily mandated minimum reserve ratio of 1.15 percent within eight years, and has undertaken several initiatives to satisfy this requirement.

 

On September 30, 2009, the FDIC collected a one-time special assessment of five basis points of an institution’s assets minus tier 1 capital as of June 30, 2009. The amount of the special assessment could not exceed ten basis points times the institution’s assessment base for the second quarter 2009. In addition, on November 12, 2009, the FDIC adopted a final rule that required nearly all FDIC-insured depository institutions to prepay their DIF assessments for the fourth quarter of 2009 and for the next three years. There can be no guarantee that continued pressures on the DIF will not result in additional special assessments being collected by the FDIC in the future. If we are required to pay significantly higher premiums or additional special assessments in the future, our earnings could be adversely affected. A downgrade in our regulatory condition could also cause our assessment to materially increase. During 2013, the Company expensed $533,000 in FDIC premiums.

 

Another economic downturn, especially one affecting our market areas, could adversely affect our financial condition, results of operations or cash flows.

 

Our success depends upon the growth in population, income levels, deposits and housing starts in our primary market areas. If the communities in which we operate do not grow, or if prevailing economic conditions locally or nationally are unfavorable, our business may not succeed. Unpredictable economic conditions may have an adverse effect on the quality of our loan portfolio and our financial performance. Economic recession over a prolonged period or other economic problems in our market areas could have a material adverse impact on the quality of the loan portfolio and the demand for our products and services. Future adverse changes in the economies in our market areas may have a material adverse effect on our financial condition, results of operations or cash flows. Further, the banking industry in Georgia and Alabama is affected by general economic conditions such as inflation, recession, unemployment and other factors beyond our control. As a community bank, we are less able to spread the risk of unfavorable local economic conditions than larger or more regional banks. Moreover, we cannot give any assurance that we will benefit from any market growth or favorable economic conditions in our primary market areas even if they do occur.

 

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As a community bank, we have different lending risks than larger banks.

 

We provide services to our local communities. Our ability to diversify our economic risks is limited by our own local markets and economies. We lend primarily to small to medium-sized businesses, and, to a lesser extent, individuals which may expose us to greater lending risks than those of banks lending to larger, better-capitalized businesses with longer operating histories. We manage our credit exposure through careful monitoring of loan applicants and loan concentrations in particular industries, and through loan approval and review procedures. We have established an evaluation process designed to determine the adequacy of our allowance for loan losses. While this evaluation process uses historical and other objective information, the classification of loans and the establishment of loan losses is an estimate based on experience, judgment and expectations regarding our borrowers, the economies in which we and our borrowers operate, as well as the judgment of our regulators. We cannot assure you that our loan loss reserves will be sufficient to absorb future loan losses or prevent a material adverse effect on our business, financial condition, or results of operations.

 

Competition from other financial institutions may adversely affect our profitability.

 

The banking business is highly competitive, and we experience strong competition from many other financial institutions. We compete with commercial banks, credit unions, savings and loan associations, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds and other financial institutions, which operate in our primary market areas and elsewhere.

 

We compete with these institutions both in attracting deposits and in making loans. In addition, we have to attract our customer base from other existing financial institutions and from new residents. Many of our competitors are well-established and much larger financial institutions. While we believe we can and do successfully compete with these other financial institutions in our markets, we may face a competitive disadvantage as a result of our smaller size and lack of geographic diversification.

 

Although we compete by concentrating our marketing efforts in our primary market area with local advertisements, personal contacts and greater flexibility in working with local customers, we can give no assurance that this strategy will be successful.

 

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Our plans for future expansion depend, in some instances, on factors beyond our control, and an unsuccessful attempt to achieve growth could have a material adverse effect on our business, financial condition, results of operations and future prospects.

 

The investment necessary for branch expansion may negatively impact our efficiency ratio. We may also seek to acquire other financial institutions, or parts of those institutions, though we have no present plans in that regard. Expansion involves a number of risks, including:

 

·the time and costs of evaluating new markets, hiring experienced local management and opening new offices;

 

·the time lags between these activities and the generation of sufficient assets and deposits to support the costs of the expansion;

 

·we may not be able to finance an acquisition without diluting the interests of our existing shareholders;

 

·the diversion of our management’s attention to the negotiation of a transaction may detract from their business productivity;

 

·we may enter into new markets where we lack experience; and

 

·we may introduce new products and services with which we have no prior experience into our business.

 

The United States Department of the Treasury, as a holder of our preferred stock, has rights that are senior to those of our common stockholders.

 

We have supported our capital operations by issuing classes of preferred stock to the United States Department of the Treasury under the Troubled Assets Relief Program Community Development Capital Initiative. As of December 31, 2013, we had outstanding preferred stock issued to the Treasury totaling $11.8 million. The preferred stock has dividend rights that are senior to our common stock; therefore, we must pay dividends on the preferred stock before we can pay any dividends on our common stock. In the event of our bankruptcy, dissolution, or liquidation, the Treasury must be satisfied before we can make any distributions to our common stockholders. Our recent results may not be indicative of our future results, and may not provide guidance to assess the risk of an investment in our common stock.

 

Our agreement with the United States Department of the Treasury under the Troubled Assets Relief Program Community Development Capital Initiative (“TARP CDCI”) is subject to unilateral change by the Treasury, which could adversely affect our business, financial condition, and results of operations.

 

Under the TARP CDCI, the Treasury may unilaterally amend the terms of its agreement with us in order to comply with any changes in federal law. We cannot predict the effects of any of these changes and of the associated amendments.

 

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Our ability to pay dividends is limited and we may be unable to pay future dividends. As a result, capital appreciation, if any, of our common stock may be your sole opportunity for gains on your investment for the foreseeable future.

 

We make no assurances that we will pay any dividends in the future. Any future determination relating to dividend policy will be made at the discretion of our Board of Directors and will depend on a number of factors, including our future earnings, capital requirements, financial condition, future prospects, regulatory restrictions and other factors that our Board of Directors may deem relevant. The holders of our common stock are entitled to receive dividends when, and if, declared by our Board of Directors out of funds legally available for that purpose. As part of our consideration of whether to pay cash dividends, we intend to retain adequate funds from future earnings to support the development and growth of our business. In addition, our ability to pay dividends is restricted by federal policies and regulations. It is the policy of the Federal Reserve Board that bank holding companies should pay cash dividends on common stock only out of net income available over the past year and only if prospective earnings retention is consistent with the organization’s expected future needs and financial condition. Further, our principal source of funds to pay dividends is cash dividends that we receive from the bank.

 

In addition, because we have participated in the United States Department of the Treasury’s Troubled Assets Relief Program Community Development Capital Initiative (“TARP CDCI”), our ability to pay dividends on common stock is further limited. Specifically, we may not pay dividends on common stock unless all dividends have been paid on the securities issued to the Treasury under the TARP CDCI. The TARP CDCI also restricts our ability to increase the amount of dividends we may pay on common stock, which potentially could impact the market value of our common stock.

 

The Emergency Economic Stabilization Act of 2008 (“EESA”), the Dodd-Frank Reform Act or other governmental actions may not stabilize the financial services industry.

 

The EESA, which was signed into law on October 3, 2008, was intended to alleviate the financial crisis affecting the U.S. banking system. A number of programs were developed and implemented under EESA. In addition, the Dodd-Frank Reform Act has overhauled many aspects of the regulation of the financial industry. These laws, however, may not have the intended effect, and as a result, the condition of the financial services industry could decline instead of improve. The failure of the EESA and the Dodd-Frank Reform Act to improve the condition of the U.S. banking system could significantly adversely affect our access to funding or capital, the trading price of our stock, and other elements of our business, financial condition, and results of operations.

 

Our recent results may not be indicative of our future results, and may not provide guidance to assess the risk of an investment in our common stock.

 

We may not be able to sustain our historical rate of growth or may not even be able to grow our business at all. In the future, we may not have the benefit of several previously favorable factors, such as a generally increasing interest rate environment, a strong residential mortgage market or the ability to find suitable expansion opportunities. Various factors, such as economic conditions, regulatory and legislative considerations and competition, may also impede or prohibit our ability to expand our market presence. If we experience a significant decrease in our historical rate of growth, our results of operations and financial condition may be adversely affected due to a high percentage of our operating costs being fixed expenses.

 

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Confidential customer information transmitted through the Bank’s online banking service is vulnerable to security breaches and computer viruses, which could expose the Bank to litigation and adversely affect its reputation and ability to generate deposits.

 

The Bank provides its customers with the ability to bank online. The secure transmission of confidential information over the Internet is a critical element of online banking. The Bank’s network could be vulnerable to unauthorized access, computer viruses, phishing schemes, and other security problems. The Bank may be required to spend significant capital and other resources to protect against the threat of security breaches and computer viruses, or to alleviate problems caused by security breaches or viruses. To the extent that the Bank’s activities or the activities of its clients involve the storage and transmission of confidential information, security breaches and viruses could expose the Bank to claims, litigation and other possible liabilities. Any inability to prevent security breaches or computer viruses could also cause existing clients to lose confidence in the Bank’s systems and could adversely affect its reputation and its ability to generate deposits.

 

ITEM 1B.       UNRESOLVED STAFF COMMENTS

 

There are no written comments from the Commission staff regarding our periodic reports or current reports under the Act which remain unresolved.

 

ITEM 2.          DESCRIPTION OF PROPERTIES

 

The Bank’s main office building is located at 75 Piedmont Avenue, N.E., Atlanta, Georgia, which is leased. As of December 31, 2013, in addition to its main office which is leased, the Bank also operated nine other branch offices: the office located at 2727 Panola Road, Lithonia, Georgia, which is owned by the Bank; the office located at 965 M.L. King Jr. Drive, Atlanta, Georgia, which is owned by the bank; the office located at 2840 East Point Street, East Point, Georgia, which is owned by the bank; the office located at Rockbridge Plaza, 5771 Rockbridge Road, Stone Mountain, Georgia, which is owned by the Bank; the office located at 3705 Cascade Road, Atlanta, Georgia, which is owned by the bank; the office located at 3065 Stone Mountain Street, Lithonia, Georgia, which is owned by the Bank; the office located at 3172 Macon Road, Columbus, Georgia, which is leased; the office located at 1700 Third Avenue North, Birmingham, Alabama, which is owned by the Bank; and the office located at 213 Main Street, Eutaw, Alabama, which is owned by the Bank. In the opinion of management, all of these properties are adequately insured.

 

Other than normal commercial lending activities of the Bank, the Company generally does not invest in real estate, interests in real estate, or securities of or interests in entities primarily engaged in real estate activities.

 

ITEM 3.          LEGAL PROCEEDINGS

 

The Company and the Bank are involved in various claims and legal actions in the ordinary course of business. However, there are no other material pending legal proceedings to which the Company or the Bank is a party or of which any of its properties are subject; nor are there material proceedings known to the Company or the Bank to be contemplated by any governmental authority; nor are there material proceedings known to us, pending or contemplated, in which any director, officer or affiliate or any principal security holder, or any associate of any of the foregoing, is a party or has an interest adverse to the Company or the Bank.

 

ITEM 4.          MINE SAFETY DISCLOSURES

 

Not applicable.

 

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PART II

 

ITEM 5.          MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED SHAREHOLDER MATTERS, AND ISSUER PURCHASES OF EQUITY SECURITIES

 

The Company’s common stock, $1.00 par value (“Common Stock”), is traded on the Over-the-Counter Bulletin Board, but there is limited trading. The following table sets forth high and low bid information for the Common Stock for each of the quarters in which trading has occurred since January 1, 2012. The prices set forth below reflect only information that has come to management’s attention and do not include retail mark-ups, markdowns, or commissions and may not represent actual transactions.

 

Quarter Ended:   High Bid    Low Bid 
           
Fiscal year ended December 31, 2013          
March 31, 2013  $6.30   $3.81 
June 30, 2013  $6.30   $5.25 
September 30, 2013  $6.60   $5.21 
December 31, 2013  $6.49   $5.40 
           
Fiscal year ended December 31, 2012          
March 31, 2012  $4.20   $3.24 
June 30, 2012  $4.15   $3.43 
September 30, 2012  $4.20   $3.30 
December 31, 2012  $5.00   $4.03 

 

As of March 28, 2014, there were approximately 1,212 holders of record of Common Stock. The Company also has outstanding 90,000 shares of Non-Voting Common Stock, all of which is held by one shareholder.

 

The Company paid an annual cash dividend of $0.08 per share in 2013 and 2012. The Company’s dividend policy in the future will depend on the Bank’s earnings, capital requirements, financial condition, and other factors considered relevant by the Board of Directors of the Company. See “Description of Business – Bank Regulation.”

 

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ITEM 6.          SELECTED FINANCIAL DATA

 

This information is not required since the Company qualifies as a smaller reporting company.

 

ITEM 7.        MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

 

The Company

 

Citizens Bancshares Corporation (collectively with its subsidiary, the “Company”) is a holding company that provides a full range of commercial banking services to individual and corporate customers through its wholly owned subsidiary, Citizens Trust Bank (the “Bank”). The Bank operates under a state charter and serves its customers through its home office and six full-service branches in metropolitan Atlanta, one full-service branch in Columbus, Georgia, one full-service branch in Birmingham, Alabama, and one full-service branch in Eutaw, Alabama. All significant intercompany accounts and transactions have been eliminated in consolidation.

 

The following discussions of the Company’s financial condition and results of operations should be read in conjunction with the Company’s consolidated financial statements and related notes, appearing in other sections of this Annual Report.

Forward Looking Statements

 

In addition to historical information, this Annual Report on Form 10-K may contain forward-looking statements. For this purpose, any statements contained herein, including documents incorporated by reference, that are not statements of historical fact may be deemed to be forward-looking statements. Also, statements that do not describe historical or current facts, including statements about future levels of revenues, net interest margin, FDIC and other regulatory expense, and credit quality are forward-looking statements. Forward-looking statements are subject to numerous assumptions, risks and uncertainties. Without limiting the foregoing, these statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “targets,” “initiatives,” “potentially,” “probably,” “projects,” “outlook” or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could” and similar expressions are intended to identify forward-looking statements.

 

Forward-looking statements are subject to significant risks and uncertainties. Investors are cautioned against placing undue reliance on such statements. Forward-looking statements are based on current management expectations and, by their nature, are subject to risk and uncertainties because of the possibility of changes in underlying factors and assumptions.

 

Factors that could cause actual results to differ materially from those described in the forward-looking statements can be found in Item 1A of Part I of this report and include risks discussed in this section of the Annual Report and in other periodic reports that we file with the SEC. Those factors include: difficult market conditions have adversely affected our industry; current levels of market volatility are unprecedented; the soundness of other financial institutions could adversely affect us; there can be no assurance that recently enacted legislation ,or any proposed federal programs, will stabilize the U.S. financial system, and such legislation and programs may adversely affect us; the impact on us of recently enacted legislation, in particular the EESA and its implementing regulations, and actions by the FDIC, cannot be predicted at this time; credit risk; weakness in the economy and in the real estate market, including specific weakness within our geographic footprint, has adversely affected us and may continue to adversely affect us; weakness in the real estate market, including the secondary residential mortgage loan markets, has adversely affected us and may continue to adversely affect us; as a financial services company, adverse changes in general business or economic conditions could have a material adverse effect on our financial condition and results of operations; changes in market interest rates or capital markets could adversely affect our revenue and expense, the value of assets and obligations, and the availability and cost of capital or liquidity; the fiscal and monetary policies of the federal government and its agencies could have a material adverse effect on our earnings; clients could pursue alternatives to bank deposits, causing us to lose a relatively inexpensive source of funding; consumers may decide not to use banks to complete their financial transactions, which could affect net income; negative public opinion could damage our reputation and adversely impact our business and revenues; we rely on other companies to provide key components of our business infrastructure; we rely on our systems, employees, and certain counterparties, and certain failures could materially adversely affect our operations; we depend on the accuracy and completeness of information about clients and counterparties; regulation by federal and state agencies could adversely affect our business, revenue, and profit margins; competition in the financial services industry is intense and could result in losing business or reducing margins; future legislation could harm our competitive position; maintaining or increasing market share depends on market acceptance and regulatory approval of new products and services.

 

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These factors should be considered in evaluating the “forward-looking statements” and undue reliance should not be placed on such statements. The Company undertakes no obligation to, nor does it intend to, update forward-looking statements to reflect circumstances or events that occur after the date hereof or to reflect the occurrence of unanticipated events. All written or oral forward-looking statements attributable to the Company are expressly qualified in the entirety by these cautionary statements.

 

Critical Accounting Policies

 

Our significant accounting policies are described in detail in Note 1, “Summary of Significant Accounting Policies,” to the Consolidated Financial Statements and are integral to understanding the Management’s Discussion and Analysis of Financial Condition and Results of Operations. We have identified certain accounting policies as being critical because (1) they require our judgment about matters that are highly uncertain and (2) different estimates that could be reasonably applied would result in materially different assessments with respect to ascertaining the valuation of assets, liabilities, commitments, and contingencies. A variety of factors could affect the ultimate value that is obtained either when earning income, recognizing an expense, recovering an asset, valuing an asset or liability, or reducing a liability. Our accounting and reporting policies are in accordance with U.S. GAAP, and they conform to general practices within the financial services industry. We have established detailed policies and control procedures that are intended to ensure these critical accounting estimates are well controlled and applied consistently from period to period. In addition, the policies and procedures are intended to ensure that the process for changing methodologies occurs in an appropriate manner.

 

In response to the Securities and Exchange Commission’s (“SEC”) Release No. 33-8040, Cautionary Advice Regarding Disclosure About Critical Accounting Policies, the Company has identified the following as the most critical accounting policies upon which its financial status depends. The critical policies were determined by considering accounting policies that involve the most complex or subjective decisions or assessments by the Company’s management. The Company’s most critical accounting policies are:

 

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Investment Securities—The Company classifies investments in one of three categories based on management’s intent upon purchase: held to maturity securities which are reported at amortized cost, trading securities which are reported at fair value with unrealized holding gains and losses included in earnings, and available for sale securities which are recorded at fair value with unrealized holding gains and losses included as a component of accumulated other comprehensive income. The Company had no investment securities classified as trading securities during 2013, 2012, or 2011.

 

Premiums and discounts on available for sale and held to maturity securities are amortized or accreted using a method which approximates a level yield. Amortization and accretion of premiums and discounts is presented within investment securities interest income on the Consolidated Statements of Income.

 

Gains and losses on sales of investment securities are recognized upon disposition, based on the adjusted cost of the specific security. A decline in market value of any security below cost that is deemed other than temporary is charged to earnings resulting in the establishment of a new cost basis for the security. The determination of whether an other-than-temporary impairment has occurred involves significant assumptions, estimates, changes in economic conditions and judgment by management. There was no other-than-temporary impairment for securities recorded during 2013, 2012 or 2011.

 

Loans Receivable and Allowance for Loan Losses—Loans are reported at principal amounts outstanding less unearned income and the allowance for loan losses. Interest income on loans is recognized on a level yield basis. Loan fees and certain direct origination costs are deferred and amortized over the estimated terms of the loans using the level yield method. Premiums and discounts on loans purchased are amortized and accreted using the level yield method over the estimated remaining life of the loan purchased. The accretion and amortization of loan fees, origination costs, and premiums and discounts are presented as a component of loan interest income on the Consolidated Statements of Income.

 

Management considers a loan to be impaired when, based on current information and events, there is a potential that all amounts due according to the contractual terms of the loan may not be collected. Impaired loans are measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, or at the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent.

 

Loans are generally placed on nonaccrual status when the full and timely collection of principal or interest becomes uncertain or the loan becomes contractually in default for 90 days or more as to either principal or interest, unless the loan is well collateralized and in the process of collection. When a loan is placed on nonaccrual status, current period accrued and uncollected interest is charged-off against interest income on loans unless management believes the accrued interest is recoverable through the liquidation of collateral. Interest income, if any, on impaired loans is recognized on the cash basis.

 

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The Company considers its accounting policies related to the allowance for loan losses to be critical, as these policies involve considerable subjective judgment and estimation by management. The Company provides for estimated losses on loans receivable when any significant and permanent decline in value occurs. The level of the allowance for loan losses reflects the Company’s continuing evaluation of specific lending risks; loan loss experience; current loan portfolio quality; present economic, political, and regulatory conditions; and unidentified losses inherent in the current loan portfolio. Additionally, these estimates for loan losses are based on individual assets and their related cash flow forecasts, sales values, independent appraisals, the volatility of certain real estate markets, and concern for disposing of real estate in distressed markets. For loans that are pooled for purposes of determining necessary provisions, estimates are based on loan types, history of charge-offs, and other delinquency analyses. Therefore, the value used to determine the provision for losses is subject to the reasonableness of these estimates. The adequacy of the allowance for loan losses is reviewed on a monthly basis by management and the Board of Directors. This assessment is made in the context of historical losses as well as existing economic conditions, performance trends within specific portfolio segments, and individual concentrations of credit.

 

Loans are charged-off against the allowance when, in the opinion of management, such loans are deemed to be uncollectible and subsequent recoveries are added to the allowance.

 

We believe that the allowance for loan losses at December 31, 2013 is adequate to cover probable inherent losses in the loan portfolio. However, underlying assumptions may be impacted in future periods by changes in economic conditions, the impact of regulatory examinations, and the discovery of information with respect to borrowers which was not known to management at the time of the issuance of the Company’s Consolidated Financial Statements. Therefore, our assumptions mayor may not prove valid. Thus, there can be no assurance that loan losses in future periods, including potential incremental losses resulting from the sale of the commercial loans held for sale, will not exceed the current allowance for loan losses amount or that future increases in the allowance for loan losses will not be required. Additionally, no assurance can be given that our ongoing evaluation of the loan portfolio, in light of changing economic conditions and other relevant factors, will not require significant future additions to the allowance for loan losses, thus adversely impacting the Company’s business, financial condition, results of operations, and cash flows.

 

See Item 1A. Risk Factors contained herein for discussion regarding the material risks and uncertainties that we believe impact our allowance for loan losses.

 

Other Real Estate Owned—The value of other real estate owned represents another accounting estimate that depends heavily on current economic conditions. Other real estate owned is carried at fair value less estimated selling costs, establishing a new cost basis. Fair value of such real estate is reviewed regularly and write-downs are recorded when it is determined that the carrying value of the real estate exceeds the fair value less estimated costs to sell. Write-downs resulting from the periodic reevaluation of such properties, costs related to holding such properties, and gains and losses on the sale of other real estate owned are charged against income. Costs relating to the development and improvement of such properties are capitalized.

 

The fair value of properties in the other real estate owned portfolio is generally determined from appraisals obtained from independent appraisers. We review the appraisal assumptions for reasonableness and may make adjustments when necessary to reflect current market conditions. Such assumptions may not prove to be valid. Moreover, no assurance can be given that changing economic conditions and other relevant factors impacting our foreclosed real estate portfolio will not cause actual occurrences to differ from underlying assumptions thus adversely impacting our business, financial condition, results of operations, and cash flows.

 

34
 

Income Taxes—Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date.

 

In the event the future tax consequences of differences between the financial reporting bases and the tax bases of the Company’s assets and liabilities result in deferred tax assets, an evaluation of the probability of being able to realize the future benefits indicated by such assets is required. A valuation allowance is provided for the portion of a deferred tax asset when it is more likely than not that some portion or all of the deferred tax asset will not be realized. In assessing the realizability of the deferred tax assets, management considers the scheduled reversals of deferred tax liabilities, projected future taxable income, and tax planning strategies.

 

A description of the Company’s other accounting policies are summarized in Note 1, Summary of Significant Accounting Policies in the Notes to the Consolidated Financial Statements.

 

35
 

Selected Financial Data

 

The following selected financial data for Citizens Bancshares Corporation and subsidiary should be read in conjunction with the Consolidated Financial Statements and related Notes appearing in another section of this Annual Report.

 

   Years ended December 31,
   2013  2012  2011
   (amounts in thousands, except per share data and financial ratios)
Statement of income data:               
    Net interest income  $12,863   $14,478   $14,566 
    Provision for loan losses  $425   $2,400   $3,882 
    Net income  $1,349   $769   $269 
    Net income available to common shareholders  $1,112   $532   $32 
Per share data:               
    Net income per common share - basic  $0.52   $0.25   $0.02 
    Book value per common share  $16.06   $17.60   $17.40 
    Cash dividends paid per common share  $0.08   $0.08   $0.08 
Balance sheet data:               
    Loans, net of unearned income  $185,276   $190,998   $199,387 
    Deposits  $336,962   $340,593   $343,031 
    Advances from Federal Home Loan Bank  $273   $292   $310 
    Total assets  $387,733   $395,605   $397,160 
    Average stockholders' equity  $47,773   $48,605   $47,102 
    Average assets  $398,063   $396,231   $390,289 
Ratios:               
    Net income available to common shareholders to average assets   0.28%   0.13%   0.01%
    Net income available to common shareholders to average stockholders' equity   2.33%   1.09%   0.07%
    Dividend payout ratio per common share   15.45%   31.81%   530.29%
    Average stockholders' equity to average assets   12.00%   12.27%   12.07%

 

In 2013, the Company reported net income available to common shareholders of $1,112,000, a 109 percent increase over net income available to common shareholders of $532,000 reported in 2012, which represented a 1,563 percent increase over 2011 net income available to common shareholders. The year over year increase in 2013 net income available to common shareholders is attributed primarily to the successful implementation of the Company’s asset disposition plan started in 2012 which reduced the amount of nonperforming assets on the Company’s books and its negative impact on earnings. The provision for loan losses declined by 82 percent or $1,975,000 in 2013 due to continued improvement in credit quality. Also, other real estate owned related expenses decreased 67 percent or $2,289,000.

 

36
 

The Company is a participant in the U.S. Department of the Treasury TARP CPP program and paid preferred dividends of $237,000 in 2013, 2012, and 2011. Basic and diluted earnings per common share were $0.52 and $0.51 for the year ended December 31, 2013, respectively. Basic and diluted earnings per common share were $0.25 and $0.02 for 2012 and 2011, respectively.

 

The Company has maintained its strong capital position during the financial crisis that has affected the banking system and financial markets. The ratio of average stockholders’ equity to average assets is one measure used to determine capital strength. The Company’s average stockholders’ equity to average assets ratio for 2013, 2012, and 2011 was 12.00%, 12.27% and 12.07%, respectively. The Company’s net income available to common shareholders to average stockholders’ equity (return on equity), was 2.33%,1.09% and 0.07% in 2013, 2012 and 2011, respectively.

 

The following statistical information is provided for the Company for the years ended December 31, 2013, 2012 and 2011. The data is presented using daily average balances. The data should be read in conjunction with the financial statements appearing elsewhere in this Annual Report on Form 10-K. Some of the financial information provided has been rounded in order to simplify its presentation. However, the ratios and percentages provided below are calculated using the detailed financial information contained in the Financial Statements, the Notes thereto and the other financial data included elsewhere in this Annual Report (amounts in thousands).

 

      2013        2012        2011   
      Interest        Interest        Interest   
   Average  Income/  Yield/  Average  Income/  Yield/  Average  Income/  Yield/
   Balances  Expense  Rate  Balances  Expense  Rate  Balances  Expense  Rate
Assets:                                             
                                              
Interest-earning assets:                                             
Loans, net   (a)  $178,652   $10,487    5.87%   191,862   $12,082    6.30%   192,080   $11,971    6.23%
                                              
Investment securities:                                             
Taxable   104,531    1,912    1.83%   92,291    1,875    2.03%   81,531    2,295    2.81%
Tax-exempt  (b)   35,314    1,924    5.45%   42,648    2,285    5.36%   46,757    2,674    5.72%
Interest bearing deposits   38,348    97    0.25%   28,536    65    0.23%   24,232    62    0.26%
Total interest-earning assets   356,845   $14,420    4.04%   355,337   $16,307    4.59%   344,600   $17,002    4.93%
                                              
Other non-interest earning assets   41,218              40,894              45,689           
                                              
Total Assets  $398,063              396,231              390,289           
                                              
Liabilities and stockholders' equity:                                             
                                              
Interest bearing liabilities:                                             
                                              
Deposits:                                             
Interest bearing demand and savings  $124,003   $271    0.22%   125,372   $246    0.20%   124,654   $359    0.29%
Time   146,831    632    0.43%   153,326    805    0.53%   152,419    1,168    0.77%
Other borrowings   419    1    0.24%   549    1    0.18%   324    —      0.00%
Total interest bearing liabilities  $271,253   $904    0.33%   279,247   $1,052    0.38%   277,397   $1,527    0.55%
                                              
Other non-interest bearing liabilities   79,037              68,379              65,790           
Stockholders' equity  (c)   47,773              48,605              47,102           
                                              
Total liabilities and stockholders' equity  $398,063              396,231              390,289           
                                              
Excess of interest-earning assets over                                             
Interest-bearing liabilities  $85,592              76,090              67,203           
                                              
Ratio of interest-earning assets to                                             
Interest-bearing liabilities   131.55%             127.25%             124.23%          
                                              
Net interest income       $13,516             $15,255             $15,475      
                                              
Net interest spread             3.71%             4.21%             4.38%
                                              
Net interest yield on interest earning assets             3.79%             4.29%             4.49%

 

(a)Average loans are shown net of unearned income and the allowance for loan losses. Nonperforming loans are also included.

 

(b)Reflects taxable equivalent adjustments using a tax rate of 34% to adjust interest on tax-exempt investment securities to a fully taxable basis, including the impact of the disallowed interest expense related to carrying such tax-exempt securities.

 

(c)Includes voting and non-voting common stock and preferred stock

 

37
 

Average Balance Sheets, Interest Rate, and Interest Differential (Continued)

 

The following table sets forth, for the year ended December 31, 2013, a summary of the changes in interest earned and interest paid resulting from changes in volume and changes in rates (amounts in thousands):

 

   December 31,  Increase  Due to Change in (a)
   2013  2012  (decrease)  Volume  Rate
Interest earned on:                         
                          
Loans, net  $10,487   $12,082   $(1,595)  $(804)  $(791)
Taxable investment securities   1,912    1,875    37    261    (224)
Tax-exempt investment securities  (b)   1,924    2,285    (361)   (396)   35 
Interest bearing deposits   97    65    32    24    8 
     Total interest income   14,420    16,307    (1,887)   (915)   (972)
                          
Interest paid on:                         
                          
Savings & interest-bearing demand deposits   271    246    25    (3)   28 
Time deposits   632    805    (173)   (31)   (142)
Other borrowed funds   1    1    —      —      —   
     Total interest expense   904    1,052    (148)   (34)   (114)
                          
Net interest income  $13,516   $15,255   $(1,739)  $(881)  $(858)

 

(a)The change in interest due to both rate and volume has been allocated proportionately to the volume and rate components.

 

(b)Reflects taxable equivalent adjustments using a tax rate of 34% to adjust interest on tax-exempt investment securities to a fully taxable basis, including the impact of the disallowed interest expense related to carrying such tax-exempt securities.

 

38
 

Average Balance Sheets, Interest Rate, and Interest Differential (Continued)

 

The following table sets forth, for the year ended December 31, 2012, a summary of the changes in interest earned and interest paid resulting from changes in volume and changes in rates (amounts in thousands):

 

   December 31,  Increase  Due to Change in (a)
   2012  2011  (decrease)  Volume  Rate
Interest earned on:                         
                          
Loans, net  $12,082   $11,971   $111   $(14)  $125 
Taxable investment securities   1,875    2,295    (420)   233    (653)
Tax-exempt investment securities  (b)   2,285    2,674    (389)   (228)   (161)
Interest bearing deposits   65    62    3    10    (7)
     Total interest income   16,307    17,002    (695)   1    (696)
                          
Interest paid on:                         
                          
Savings & interest-bearing demand deposits   246    359    (113)   2    (115)
Time deposits   805    1,168    (363)   6    (369)
Other borrowed funds   1    —      1    —      1 
     Total interest expense   1,052    1,527    (475)   8    (483)
                          
Net interest income  $15,255   $15,475   $(220)  $(7)  $(213)

 

(a)The change in interest due to both rate and volume has been allocated proportionately to the volume and rate components.

 

(b)Reflects taxable equivalent adjustments using a tax rate of 34% to adjust interest on tax-exempt investment securities to a fully taxable basis, including the impact of the disallowed interest expense related to carrying such tax-exempt securities.

 

Financial Condition

 

At December 31, 2013, the Company had total assets of $387,733,000 which represents a decrease of $7,872,000 from last year. Total assets primarily consisted of $141,285,000 in investment securities and $182,119,000 in net loans representing 37 percent and 47 percent, respectively, of total assets at December 31, 2013. For the same period last year, investment securities and net loans represented 33 percent and 47 percent, respectively, of total assets.

 

Interest-bearing deposits with banks decreased by $11,976,000 to $22,827,000 at December 31, 2013 compared to last year. Interest-bearing deposits with banks primarily represent funds maintained on deposit at the Federal Reserve Bank (FRB) and the Federal Home Loan Bank (FHLB). These funds fluctuate daily and are used to manage the Company’s liquidity position. During 2013, the Company placed some of its excess liquidity in to higher yielding assets. Investment securities available for sale increased $11,180,000 to $141,045,000 during the year. The Company monitors it short-term liquidity position daily and closely manages its overnight cash positions in light of the current economic environment.

 

Loans typically provide higher interest yields than other types of interest-earning assets and, therefore, continue to be the largest component of the Company’s assets. Average loans, net for the years ended December 31, 2013 and 2012 were $178,652,000 and $191,862,000, respectively. Loans, net outstanding at December 31, 2013 and 2012 were $182,119,000 and $187,489,000, respectively. This decrease was primarily driven by pay-off of several significant commercial loans during the year, and regular paydowns that exceeded loan growth during the year. As with our industry, we are experiencing the impact of a challenging lending environment and competitive pricing pressures. However, we continue to cultivate new lending opportunities and invest in the resources needed to augment our lending operations to pursue quality and profitable loan growth.

 

39
 

Cash value of life insurance, a comprehensive compensation program for directors, and certain senior managers of the Company, increased $329,000 or 3 percent to $9,948,000 at December 31, 2013. The increase is attributed to the earnings on the premiums paid over the life of the insurance contract.

 

At December 31, 2013, other real estate owned decreased by $791,000 to $7,404,000 compared to the year-end of 2012. The decrease is due to sales of $4,076,000 and write-downs of $616,000 which exceeded the $3,902,000 in additions of foreclosed properties during 2013.

 

The Company’s liabilities at December 31, 2013 totaled $341,425,000 and consisted primarily of $336,962,000 in deposits. Average deposits for the years ended December 31, 2013 and 2012 were $344,732,000 and $341,974,000, respectively. Total deposits outstanding at December 31, 2013 and 2012 were $336,962,000 and $340,593,000, respectively. FHLB advances at December 31, 2013 totaled $273,000 compared to $292,000 at December 31, 2012.

 

Stockholders’ equity was $46,308,000, representing a decrease of $2,846,000 over last year primarily due to a decrease of $3,799,000 in accumulated other comprehensive income (loss) as a result of increases in interest rates and their impact on the market value of Company’s investments. As a result, book value per common share decreased to $16.06 at December 31, 2013 compared to $17.60 at December 31, 2012.

 

The Company’s asset/liability management program, which monitors the Company’s interest rate sensitivity as well as volume and mix changes in earning assets and interest bearing liabilities, may impact the growth of the Company’s balance sheet as it seeks to maximize net interest income.

 

40
 

Investment Portfolio

 

The composition of the Company’s investment securities portfolio reflects the Company’s investment strategy of maximizing portfolio yields commensurate with risk and liquidity considerations. The primary objectives of the Company’s investment strategy are to maintain an appropriate level of liquidity and provide a tool to assist in controlling the Company’s interest rate sensitivity position, while at the same time producing adequate levels of interest income.

 

The carrying values of investment securities held to maturity and investment securities available for sale at the indicated dates are presented below:

 

   December 31,
   2013  2012  2011
   (amounts in thousands)
Available for Sale:               
                
State, county, and municipal securities   34,802    39,864    45,908 
Mortgage-backed securities   96,267    80,248    69,229 
Corporate securities   9,976    9,754    9,105 
                
Totals  $141,045   $129,866   $124,242 
                
                
   December 31, 
   2013   2012   2011 
  (amounts in thousands)
Held to Maturity:               
                
State, county, and municipal securities  $240   $1,356   $3,293 
Mortgage-backed securities   —      —      1 
                
Totals  $240   $1,356   $3,294 

 

Investment securities comprised approximately 37 percent and 33 percent of the Company’s assets at December 31, 2013 and 2012, respectively. The investment portfolio had a fair market value of $141,286,000 and an amortized cost of $142,924,000, resulting in a net unrealized loss of $1,638,000 at December 31, 2013. For the same period in 2012, the investment portfolio had a fair market value of $131,245,000 and an amortized cost of $127,104,000, resulting in a net unrealized gain of $4,141,000.

 

Total investments classified as available for sale had a fair value of $141,045,000 ($142,684,000 amortized cost) at December 31, 2013, compared to a fair value of $129,866,000 ($125,748,000 amortized cost) at December 31, 2012. Investments classified as held to maturity at December 31, 2013 had an amortized cost and estimated fair value of $240,000, compared to an amortized cost of $1,356,000 ($1,380,000 estimated fair value) at December 31, 2012.

 

41
 

The following table shows the contractual maturities of all investment securities at December 31, 2013 and the weighted average yields (on a fully taxable basis assuming a 34 percent tax rate) of such securities. Mortgage-backed securities are classified by their contractual maturity, however, expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties:

 

   Maturing
   Within 1 Year  Between 1 and 5 Years  Between 5 and 10 Years  After 10 Years
   Amount  Yield  Amount  Yield  Amount  Yield  Amount  Yield
                      
Mortgage-backed securities   —      —  %   29,297    2.47%   7,040,647    2.45%   89,197,330   2.06 %
                                         
State, county, and municipal securities   —      — %   2,965,861    5.98%   22,808,823    5.48%   9,267,104   5.74 %
                                    
Corporate securities   —      — %   9,976,220    1.80%   —      — %   —     —    %
Totals  $—          $12,971,378        $29,849,470        $98,464,434      

 

Other investments consist of Federal Home Loan Bank and Federal Reserve Bank stock, which are restricted and have no readily determined market value. The Company is required to maintain an investment in the FHLB and FRB as part of its membership conditions. The level of investments is determined by the amount of outstanding advances at the FHLB and at the FRB it is 6 percent of the par value of the bank’s common stock outstanding and paid-in-capital. These investments are carried at cost and decreased by $122,000 to $874,000 in 2013 compared to 2012.

 

Loans

 

The amounts of loans outstanding at the indicated dates are shown in the following table according to the type of loan (amounts in thousands):

 

   December 31,
   2013  2012  2011  2010  2009
                
Commercial, financial, and agricultural  $20,292   $23,510   $22,706   $6,348   $7,804 
Real estate - commercial   120,180    125,239    126,675    135,400    124,831 
Real estate - residential   34,864    34,523    37,539    39,536    43,817 
Real estate - construction   3,626    1,813    5,377    7,435    18,587 
Installment   6,314    5,913    7,090    7,463    9,274 
    185,276    190,998    199,387    196,182    204,313 
          Allowance for loan losses   3,157    3,509    3,956    4,188    4,094 
   $182,119   $187,489   $195,431   $191,994   $200,219 

 

The Company does not have any concentrations of loans exceeding 10% of total loans of which management is aware and which are not otherwise disclosed as a category of loans in the table above or in other sections of this Annual Report on Form 10-K. A substantial portion of the Company’s loan portfolio is secured by real estate in metropolitan Atlanta and Birmingham. The largest component of loans in the Company’s loan portfolio is real estate mortgage loans.  At December 31, 2013 and 2012, real estate mortgage loans, which consist of first and second mortgages on single or multi-family residential dwellings, loans secured by commercial and industrial real estate and other loans secured by multi-family properties, totaled $155.0 million and $159.8 million, respectively and represented 83.7 percent and 83.6 percent, respectively of gross loans outstanding.

 

The Company’s loans to area churches were approximately $40.9 million at December 31, 2013 and $49.5 million at 2012, respectively. Loans to local area convenience stores totaled approximately $9.2 million and $9.3 million in 2013 and 2012, respectively. The Company also has approximately $25.7 million and $24.8 million in loans to area hotels at December 31, 2013 and 2012, respectively. These loans are generally secured by real estate. The balance of churches, convenience stores, and hotel loans represents the accounting loss the Company could incur if any party to these loans failed completely to perform according to the terms of the contract and the collateral proved to be of no value.

 

42
 

The following table sets forth certain information at December 31, 2013, regarding the contractual maturities and interest rate sensitivity of certain categories of the Company’s loans (amounts in thousands):

 

   Due after
   One year  Between one  After   
   or less  and five years  five years  Total
             
Commercial, financial, and agricultural  $5,237   $11,018   $4,037   $20,292 
Real estate - commercial   45,283    67,361    7,536    120,180 
Real estate - residential   10,090    5,566    19,208    34,864 
Real estate - construction   1,782    1,799    45    3,626 
Installment   2,988    2,897    429    6,314 
   $65,380   $88,641   $31,255   $185,276 
                     
Loans due after one year:                    
Having predetermined interest rates                 $95,315 
Having floating interest rates                  24,581 
Total                 $119,896 

 

Actual repayments of loans may differ from the contractual maturities reflected above because borrowers may have the right to prepay obligations with or without prepayment penalties. Additionally, the refinancing of such loans or the potential delinquency of such loans could also cause differences between the contractual maturities reflected above and the actual repayments of such loans.

 

Nonperforming Assets

 

The Company’s credit risk management system is defined by policies approved by the Board of Directors that govern the risk underwriting, portfolio monitoring, and problem loan administration processes. Adherence to underwriting standards is managed through a multi-layered credit approval process and after-the-fact review by credit risk management of loans approved by lenders. Through continuous review by the credit risk manager, reviews of exception reports, and ongoing analysis of asset quality trends, compliance with underwriting and loan monitoring policies is closely supervised. The administration of problem loans is driven by policies that require written plans for resolution and periodic meetings with credit risk management to review progress. Credit risk management activities are monitored by the Loan Committee of the Board, which meets monthly to review credit quality trends, new large credits, loans to insiders, large problem credits, credit policy changes, and reports on independent credit reviews.

 

Nonperforming assets include nonperforming loans and real estate acquired through foreclosure. Nonperforming loans consist of loans which are past due with respect to principal or interest more than 90 days (“past-due loans”) or have been placed on nonaccrual of interest status (“nonaccrual loans”). Generally, past-due loans and nonaccrual loans which are delinquent more than 90 days will be charged off against the Company’s allowance for possible loan losses unless management determines that the loan has sufficient collateral to allow for the recovery of unpaid principal and interest or reasonable prospects for the resumption of principal and interest payments.

 

43
 

Accrual of interest on loans is discontinued when reasonable doubt exists as to the full, timely collection of interest or principal or when loans become contractually in default for 90 days or more as to either interest or principal. The accrual of interest on some loans, however, may continue even though they are 90 days past due if the loan is well secured, in the process of collection and management deems it appropriate. When a loan is placed on nonaccrual status, previously accrued and uncollected interest is charged-off against interest income on loans unless management believes that the accrued interest is recoverable through the liquidation of collateral.

 

The U.S. economy continues to show signs of improvement which has had a positive impact on the Company’s nonperforming assets as nonperforming balances declined in all categories for the second consecutive year. At December 31, 2013, total nonperforming assets decreased by $4,466,000, or 24 percent to $14,524,000 compared to December 31, 2012, which declined by $4,038,000 or 18% compared to December 31, 2011. Nonperforming loans at December 31, 2013 were $7,120,000, a decrease of $3,675,000, or 34 percent, and OREO declined by $791,000, or 10 percent, from December 31, 2012.

 

OREO properties are actively marketed with the primary objective of liquidating the collateral at a level which most accurately approximates fair value and allows recovery of as much of the unpaid principal balance as possible upon the sale of the property in a reasonable period of time. Loan charge-offs were recorded prior to or upon foreclosure to writedown the collateral to fair value less estimated costs to sell. In 2013, the Company has charged-off $1,485,000 of nonperforming loans and wrote down foreclosed assets by $616,000 to their estimated fair value based on third party appraisal. In 2012, the Company charged-off $3,069,000 of nonperforming loans and wrote down foreclosed assets by $2,467,000.

 

There were no loans greater than 90 past due and still accruing interest at December 31, 2013 and 2012. In addition there were 45 and 35 loans restructured or otherwise impaired totaling $10,659,000 and $10,199,000 at December 31, 2013 and 2012, respectively. At December 31, 2013, 26 restructured loans totaling $4,482,000 and at December 31, 2012, 16 restructured loans totaling$3,941,000 are included in nonaccrual loans in the table below.

 

The Company is working aggressively to resolve and reduce nonperforming assets including restructuring loans, requesting additional collateral, demanding payment from guarantors, sale of the loans if possible, or foreclosure and sale of the collateral.

 

44
 

The table below presents a summary of the Company’s nonperforming assets:

 

   December 31,
   2013  2012  2011  2010  2009
   (in thousands, except financial ratios)
                
Nonperforming assets:                         
Nonperforming loans:                         
Restructured nonperforming loans (TDRs)  $4,482   $3,941   $4,044   $2,757   $863 
Other nonaccrual loans   2,638    6,854    8,908    10,483    6,103 
Past-due loans of 90 days or more   —      —      —      —      —   
Nonperforming loans   7,120    10,795    12,952    13,240    6,966 
                          
Real estate acquired through foreclosure   7,404    8,195    10,076    9,110    10,837 
Total nonperforming assets  $14,524   $18,990   $23,028   $22,350   $17,803 
                          
Ratios:                         
Nonperforming loans to loans, net of unearned income   3.84%   5.65%   6.50%   6.75%   3.41%
                          
Nonperforming assets to loans, net of unearned income and real estate acquired through foreclosure   7.54%   9.53%   10.99%   10.89%   8.27%
                          
Nonperforming assets to total assets   3.75%   4.80%   5.80%   5.76%   4.59%
                          
Allowance for loan losses to nonperforming loans   44.34%   32.51%   30.54%   31.63%   58.77%
                          
Allowance for loan losses to nonperforming assets   21.74%   18.48%   17.18%   18.74%   23.00%

 

TROUBLED DEBT RESTRUCTURINGS

 

Loans to be restructured are identified based on an assessment of the borrower’s credit status, which involves, but is not limited to, a review of financial statements, payment delinquency, non-accrual status, and risk rating. Determining the borrower’s credit status is a continual process that is performed by the Company’s staff with periodic participation from an independent external loan review group.

 

Troubled debt restructurings (“TDR”) generally occur when a borrower is experiencing, or is expected to experience, financial difficulties in the near-term and it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company seeks to assist these borrowers by working with them to prevent further difficulties, and ultimately to improve the likelihood of recovery on the loan while ensuring compliance with the Federal Financial Institutions Examination Council (FFIEC) guidelines. To facilitate this process, a formal concessionary modification that would not otherwise be considered may be granted resulting in classification of the loan as a TDR. All modifications are considered troubled debt restructurings.

 

The modification may include a change in the interest rate or the payment amount or a combination of both. Substantially all modifications completed under a formal restructuring agreement are considered TDRs. Modifications can involve loans remaining on nonaccrual, moving to nonaccrual, or continuing on accruing status, depending on the individual facts and circumstances of the borrower. These restructurings rarely result in the forgiveness of principal or interest.

 

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With respect to commercial TDRs, an analysis of the credit evaluation, in conjunction with an evaluation of the borrower’s performance prior to the restructuring, are considered when evaluating the borrower’s ability to meet the restructured terms of the loan agreement. Nonperforming commercial TDRs may be returned to accrual status based on a current, well-documented credit evaluation of the borrower’s financial condition and prospects for repayment under the modified terms. This evaluation must include consideration of the borrower’s sustained historical repayment performance for a reasonable period (generally a minimum of six months) prior to the date on which the loan is returned to accrual status.

 

In connection with consumer loan TDRs, a nonperforming loan will be returned to accruing status when current as to principal and interest and upon a sustained historical repayment performance (generally a minimum of six months). At December 31, 2013 and December 31, 2012 all restructurings were classified as TDRs.

 

The following table summarizes the Company’s TDRs and loans modifications (in thousands):

 

   December 31,
   2013  2012  2011  2010  2009
                
Troubled Debt Restructured Loans:                         
Restructured loans still accruing  $6,177   $6,258   $5,051   $7,042   $14,517 
Restructured loans nonaccruing   4,482    3,941    4,044    2,757    863 
Other Loan Modifications   —      —      —      —      —   
Total restructured and modified loans  $10,659   $10,199   $9,095   $9,799   $15,380 

 

Troubled debt restructured loans that have performed in accordance with the restructured terms of the agreement for one year and for which an interest rate concession was not granted are removed from the TDR classification.

 

Potential Problem Loans

 

Potential problem loans include loans or industries about which management has become aware of information regarding possible credit issues for borrowers within that industry that could potentially cause doubt about their ability to comply with current repayment terms. At December 31, 2013 and December 31, 2012, the Company had identified $7.6 million and $14.4 million, respectively, of potential problem loans through its internal review procedures.  The results of this internal review process are considered in determining management’s assessment of the adequacy of the allowance for loan losses.

 

Provision and Allowance for Loan Losses

 

The allowance for loan losses represents management’s estimate of probable losses inherent in the loan portfolio. These estimates for losses are based on individual assets and their cash flow forecasts, sales values, independent appraisals, the volatility of certain real estate markets, and concern for disposing of real estate in distressed markets. For loans that are pooled for purposes of determining the necessary provisions, estimates are based on loan types, history of charge-offs, and other delinquency analyses as prescribed under the accounting guidance.

 

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Therefore, the value used to determine the provision for losses is subject to the reasonableness of these estimates and management’s judgment. The adequacy of the allowance for loan losses is reviewed on a monthly basis by management and the Board of Directors. On a semi-annual basis an independent review of the adequacy of allowance for loan losses is performed. This assessment is made in the context of historical losses as well as existing economic conditions and individual concentrations of credit.

 

Reviews of nonperforming loans, designed to identify potential charges to the reserve for possible loan losses, as well as to determine the adequacy of the reserve, are made on a continuous basis during the year. These reviews are conducted by the responsible lending officers, credit risk manager, a separate independent review process, and the internal audit division. They consider such factors as trends in portfolio volume, quality, maturity, and composition; industry concentrations; lending policies; new products; adequacy of collateral; historical loss experience; the status and amount of non-performing and past-due loans; specific known risks; and current, as well as anticipated specific and general economic factors that may affect certain borrowers. The conclusions are reviewed and approved by senior management. When a loan, or a portion thereof, is considered by management to be uncollectible, it is charged against the reserve after receiving approval by the Board of Directors. Any recoveries on loans previously charged off are added to the reserve.

 

The provision for loan losses is the periodic cost of increasing the allowance or reserve for the estimated losses on loans in the portfolio. A charge against operating earnings is necessary to maintain the allowance for loan losses at an adequate level as determined by management. The provision is determined based on growth of the loan portfolio, the amount of net loans charged-off, and management’s estimation of potential future loan losses based on an evaluation of loan portfolio risks, adequacy of underlying collateral, and economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

 

Loans are charged against the allowance when, in the opinion of management, such loans are deemed uncollectible and subsequent recoveries are added to the allowance. In 2013, based on the Company’s evaluation, a provision for loan losses of $425,000 was charged against operating earnings compared to $2,400,000 for the same period last year. The decrease in the provision for loan losses in 2013 relates to the continued overall improvement of the loan portfolio as evidenced by the decrease in nonperforming assets and nonperforming loans noted above. Foreclosures also decreased during the year totaling $3,902,000 for 2013 compared to $4,661,000 for 2012.

 

The Company’s allowance for loan losses was approximately $3,157,000 or 1.70 percent of loans receivable, net of unearned income at December 31, 2013, and $3,509,000 or 1.84 percent of loans receivable, net of unearned income at December 31, 2012. Management believes that the allowance for loan losses at December 31, 2013 is adequate to provide for potential loan losses given past experience and the underlying strength of the loan portfolio.

 

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The following table summarizes loans, changes in the allowance for loan losses arising from loans charged off, recoveries on loans previously charged off by loan category, and additions to the allowance which have been charged to operating expense:

 

   December 31,
   2013  2012  2011  2010  2009
   (Amounts in thousands, except financial ratios)
                
Loans, net of unearned income  $185,276   $190,998   $199,387   $196,182   $204,313 
                          
Average loans, net of unearned income, discounts and the allowance for loan losses  $178,652   $191,862   $192,080   $200,370   $206,464 
                          
Allowance for loan losses at the beginning of period  $3,509   $3,956   $4,188   $4,094   $4,659 
                          
Loans charged-off:                         
    Commercial, financial, and agricultural   22    21    262    100    72 
    Real estate - loans   1,294    2,899    3,824    1,918    3,055 
    Installment loans to individuals   169    149    216    504    676 
Total loans charged-off   1,485    3,069    4,302    2,522    3,803 
                          
Recoveries of loans previously charged off:                         
    Commercial, financial, and agricultural   41    33    29    4    7 
    Real estate - loans   607    114    60    29    171 
    Installment loans to individuals   60    75    98    118    100 
Total loans recovered   708    222    187    151    278 
                          
Net loans charged-off   777    2,847    4,115    2,371    3,525 
                          
Additions to allowance for loan losses charged to operating expense   425    2,400    3,883    2,465    2,960 
                          
Allowance for loan losses at period end  $3,157   $3,509   $3,956   $4,188   $4,094 
                          
Ratio of net loans charged-off to average loans, net of unearned income and the allowance for loan losses   0.43%   1.48%   2.14%   1.18%   1.71%
                          
Ratio of allowance for loan losses to loans, net of unearned income   1.70%   1.84%   1.98%   2.13%   2.00%

 

 

The following table presents the allocation of the allowance for loan losses. The allocation is based on an evaluation of defined loan problems, historical ratios of loan losses, and other factors that may affect future loan losses in the categories of loans shown (amount in thousands):

 

   December 31, 2013  December 31, 2012  December 31, 2011  December 31, 2010  December 31, 2009
      Percent of     Percent of     Percent of     Percent of     Percent of
   Amount  Total Loans  Amount  Total Loans  Amount  Total Loans  Amount  Total Loans  Amount  Total Loans
                               
Commercial, financial, and agricultural  $384    11%  $433    12%  $394    11%  $365    3%  $358    4%
Commercial Real Estate   1,721    65%   1,853    66%   2,206    64%   2,616    69%   2,654    61%
Single-family Residential   731    19%   803    18%   696    19%   376    20%   440    21%
Construction and Development   126    2%   177    1%   449    3%   290    4%   290    9%
Consumer   195    3%   243    3%   211    3%   541    4%   352    5%
                                                   
Total allowance for loan losses  $3,157    100%  $3,509    100%  $3,956    100%  $4,188    100%  $4,094    100%

 

 

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Deposits

 

Deposits are the Company’s primary source of funding loan growth. Total deposits at December 31, 2013 decreased by $3,631,000 or 1 percent, to $336,962,000. The bank has a stable core deposit base with a high percentage of non-interest bearing deposits. Average noninterest-bearing deposits increased $10,621,000 or 17 percent, to$73,897,000 in 2013 compared to the $63,276,000 reported in 2012. Average interest-bearing deposits decreased by $7,864,000 to $270,834,000 in 2013 compared to 2012. As a result of the high level of core deposits, the bank maintained a net interest margin of 3.79 percent on a tax equivalent basis compared to 4.29 percent reported last year.

 

In addition, the Company participates in Certificate of Deposit Account Registry Services (CDARS”), a program that allows its customers the ability to benefit from full FDIC insurance on CD deposits greater than $250,000. At December 31, 2013 and 2012, the Company had $22,375,000 and $14,964,000 in CDARS deposits. Participation in this program has enhanced the Company’s ability to retain customers with CD deposits higher than the FDIC $250,000 insurance coverage.

 

The maturities of time deposits of $100,000 or more are presented below in thousands as of December 31, 2013:

 

3 months or less   $28,176 
Over 3 months through 6 months    21,906 
Over 6 months through 12 months    23,105 
Over 12 months    34,303 
       
Total   $107,490 

 

For additional information about the Company’s deposit maturities and composition, see Note 5, Deposits, in the Notes to Consolidated Financial Statements.

 

Other Borrowed Funds

 

While the Company continues to emphasize funding earning asset growth through deposits, it relies on other borrowings as a supplemental funding source and to manage its interest rate sensitivity. During 2013, the Company’s average borrowed funds decreased by $130,000 to $419,000 from $549,000 in 2012. The average interest rate on other borrowings was 0.24 percent in 2013 and 0.18 percent in 2012. Other borrowings consist of Federal Reserve Bank discount window borrowings, short-term borrowings and Federal Home Loan Bank (the “FHLB”) advances. The Bank had an average outstanding advance from the FHLB of $364,000 in 2013 and $549,000 in 2012. The maximum balance outstanding as of any month-end was $10,282,000 in 2013 and $15,301,000 in 2012. These advances are collateralized by FHLB stock, a blanket lien on the Bank’s 1-4 and multi-family mortgages and certain commercial real estate loans and investment securities.

 

For additional information regarding the Company’s other borrowings, see Note 6, Other Borrowings, in the Notes to Consolidated Financial Statements.

 

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Disclosure about Contractual Obligations and Commitments

 

The following tables identify the Company’s aggregated information about contractual obligations and loan commitments at December 31, 2013.

 

   Payments Due by Period   
Contractual Obligations  Less than 1 year  1 - 3 years  3 - 5 years  After 5 years  Total
                
 FHLB advances  $—     $—     $—     $273,079   $273,079 
 Operating leases   541,972    992,700    160,178    81,270    1,776,120 
   $541,972   $992,700   $160,178   $354,349   $2,049,199 

 

   Amount of Commitment Expiration Per Period   
Other Commitments  Less than 1 year  1 - 3 years  3 - 5 years  After 5 years  Total
                
 Commitments to extend credit  $22,705,148   $2,393,087   $244,994   $970,167   $26,313,396 
 Commercial letters of credit   2,124,750    —      —      —      2,124,750 
   $24,829,898   $2,393,087   $244,994   $970,167   $28,438,146 

 

Liquidity Management

 

Liquidity is the ability of the Company to convert assets into cash or cash equivalents without significant loss and to raise additional funds by increasing liabilities. Liquidity management involves maintaining the Company’s ability to meet the day-to-day cash flow requirements of its customers, whether they are depositors wishing to withdraw funds or borrowers requiring funds to meet their credit needs.

 

Without proper liquidity management, the Company would not be able to perform the primary function of a financial intermediary and would, therefore, not be able to meet the needs of the communities it serves. Additionally, the Company requires cash for various operating needs including: dividends to shareholders; business combinations; capital injections to its subsidiary; the servicing of debt; and the payment of general corporate expenses.

 

Liquidity is managed at two levels. The first is the liquidity of the parent company, which is the holding company that owns Citizens Trust Bank, the banking subsidiary. The second is the liquidity of the banking subsidiary. The management of liquidity at both levels is essential because the parent company and banking subsidiary each have different funding needs and sources, and each are subject to certain regulatory guidelines and requirements. Through the Asset Liability Committee (“ALCO”), the CFO is responsible for planning and executing the funding activities and strategy.

 

The Company has access to various capital markets and on March 6, 2009, the Company issued 7,462 shares of a Fixed Rate Cumulative Perpetual Preferred Stock, Series A, to the U.S. Department of the Treasury (“Treasury”) under the TARP Program for an investment of $7,462,000. During the third quarter of 2010, the Company exchanged the outstanding 7,462 shares of Series A Preferred Stock for 7,462 shares of Series B Preferred Stock. The Company also issued 4,379 shares of Series C Preferred Stock to the Treasury for an investment of $4,379,000. However, the primary source of liquidity for the Company is dividends from its bank subsidiary. The Georgia Department of Banking and Finance regulates the dividend payments and must approve dividend payments that exceed 50 percent of the Bank’s prior year net income. The payment of dividends may also be affected or limited by other factors, such as the requirement to maintain adequate capital above regulatory guidelines. The Company does not anticipate any liquidity requirements in the near future that it will not be able to meet.

 

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Asset and liability management functions not only serve to assure adequate liquidity in order to meet the needs of the Company’s bank subsidiary customers, but also to maintain an appropriate balance between interest-sensitive assets and interest-sensitive liabilities so that the Company can earn a return that meets the investment requirements of its shareholders. Daily monitoring of the sources and uses of funds is necessary to maintain an acceptable cash position that meets both requirements.

 

The asset portion of the balance sheet provides liquidity primarily through loan principal repayments, maturities of investment securities and, to a lesser extent, sales of investment securities available for sale. Other short-term investments such as federal funds sold, securities purchased under agreements to resell and maturing interest bearing deposits with other banks, are additional sources of liquidity funding.

 

The liability portion of the balance sheet provides liquidity through various customers’ interest bearing and noninterest bearing deposit accounts. Federal funds purchased, securities sold under agreements to repurchase and other short-term borrowings are additional sources of liquidity and, basically, represent the Company’s incremental borrowing capacity. At December 31, 2013, the Company has a $78.3 million line of credit facility at the FHLB of which $20.3 million was outstanding consisting of an advance of $273,000 and a letter of credit to secure public deposits in the amount of $20,000,000. The Company also had $17.7 million of borrowing capacity at the Federal Reserve Bank discount window. These sources of liquidity are short-term in nature and are used as necessary to fund asset growth and meet short-term liquidity needs.

 

Capital Resources

 

Stockholders’ equity decreased by $2,846,000 or 6 percent during 2013, due to a decrease of $3,799,000 in accumulated other comprehensive income (loss), net of taxes. This decrease is attributed to a rise in treasury interest rates and swings in credit spreads, and their impact on the Company’s available for sale securities portfolio. Retained earnings increased by $940,000 due to net income of $1,349,000 offset by a $237,000 preferred dividend paid to the Treasury and a $172,000 dividend paid to common stockholders.

 

The annual dividend payout rate was $0.08 per common share in 2013 and 2012. The dividend payout ratio was 15 percent and 32 percent for 2013 and 2012, respectively. The Company intends to continue a dividend payout ratio that is competitive in the banking industry while maintaining an adequate level of retained earnings to support continued growth. Because of our CDCI investment, we must receive the approval of Treasury before increasing our dividend above $0.08 per common share.

 

A strong capital position, which is vital to the continued profitability of the Company, also promotes depositor and investor confidence and provides a solid foundation for the future growth of the organization. The Company has satisfied its capital requirements principally through the retention of earnings. The ratio of average shareholders’ equity as a percentage of total average assets is one measure used to determine capital strength. The Company continues to maintain a strong capital position as its ratio of average stockholders’ equity to average assets for 2013 was 12.00 percent compared with 12.27 percent in 2012.

 

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In addition to the capital ratios mentioned above, banking industry regulators have defined minimum regulatory capital ratios that the Company and the Bank are required to maintain. These risk-based capital guidelines take into consideration risk factors, as defined by the regulators, associated with various categories of assets, both on and off of the balance sheet. The minimum guideline for the ratio of total capital to risk-weighted assets is 8 percent. Total capital consists of two components, Tier 1 Capital and Tier 2 Capital. Tier 1 Capital generally consists of common shareholders’ equity, minority interests in the equity accounts of consolidated subsidiary, qualifying noncumulative perpetual preferred stock, and a limited amount of qualifying cumulative perpetual preferred stock, less goodwill and other specified intangible assets. Tier 1 Capital must equal at least 4 percent of risk-weighted assets. Tier 2 Capital generally consists of subordinated debt, other preferred stock and hybrid capital and a limited amount of loan loss reserves. The total amount of Tier 2 Capital is limited to 100 percent of Tier 1 Capital. Also, the Federal Reserve has established minimum leverage ratio guidelines for bank holding companies. These guidelines provide for a minimum ratio of Tier 1 Capital to average assets, less goodwill and other specified intangible assets, of 3 percent for bank holding companies that meet specified criteria, including having the highest regulatory rating and implementing the Federal Reserve’s risk-based capital measure for market risk. All other bank holding companies, including the Company, generally are required to maintain a leverage ratio of at least 4 percent.

 

At December 31, 2013, our ratio of total capital to risk-weighted assets was 19 percent, our ratio of Tier 1 Capital to risk-weighted assets was 18 percent, and our leverage ratio was 11 percent. The Company met all capital adequacy requirements to which it is subject and is considered to be “well capitalized” under regulatory standards.

 

RESULTS OF OPERATIONS

 

Net Interest Income

 

Net interest income is the difference between interest income earned on earning assets, primarily loans and investment securities, and interest expense paid on interest-bearing deposits and other interest-bearing liabilities. This measure represents the largest component of income for us. The net interest margin measures how effectively we manage the difference between the interest income earned on earning assets and the interest expense paid for funds to support those assets. Fluctuations in interest rates as well as volume and mix changes in earnings assets and interest-bearing liabilities can materially impact net interest income.

 

Net interest income, on a fully tax-equivalent basis, accounted for 75 percent of total revenues on a fully tax-equivalent basis in 2013, 72 percent in 2012 and 74 percent in 2011. The level of such income is influenced primarily by changes in volume and mix of earning assets, sources of noninterest income and sources of funding, market rates of interest, and income tax rates. The Company’s Asset/Liability Management Committee (“ALCO”) is responsible for managing changes in net interest income and net worth resulting from changes in interest rates based on acceptable limits established by the Board of Directors. The ALCO reviews economic conditions, interest rate forecasts, demand for loans, the availability of deposits, current operating results, liquidity, capital, and interest rate exposures. Based on such reviews, the ALCO formulates strategies that are intended to implement objectives set forth in the asset/liability management policy to ensure it is properly positioned to react to changing interest rates and inflationary trends.

 

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The following table represents the Company’s net interest income on a tax-equivalent basis to facilitate performance comparisons among various taxable and tax-exempt assets. Interest income on tax-exempt investment securities was adjusted to reflect the income on a tax-equivalent basis (considering the effect of the disallowed interest expense related to carrying these tax-exempt investment securities) using a nominal tax rate of 34 percent for 2013, 2012, 2011 (amount in thousands).

 

   Years ended December 31,
   2013  2012  2011
          
Interest Income  $13,766   $15,530   $16,093 
Tax-equivalent adjustment   654    777    909 
                
Interest income, tax-equivalent basis   14,420    16,307    17,002 
Interest expense   (903)   (1,052)   (1,527)
                
Net interest income, tax equivalent basis   13,517    15,255    15,475 
                
Provision for loan losses   (425)   (2,400)   (3,882)
Noninterest income   4,481    5,949    5,461 
Noninterest expense   (15,721)   (18,159)   (16,959)
                
Income before income taxes   1,852    645    95 
                
Income tax benefit   151    901    1,083 
Tax-equivalent adjustment   (654)   (777)   (909)
Income tax benefit (expense), tax-equivalant basis   (503)   124    174 
                
Net income  $1,349   $769   $269 

 

Net interest income on a tax-equivalent basis decreased $1,738,000 in 2013 compared to a decrease of $220,000 in 2012. The relationship between the declining yields earned on interest earning assets in a low interest rate environment and the more gradual decline in interest expenses has caused, and may continue to cause, net interest margin compression. Net interest margin compression may also be impacted by continued deterioration of assets resulting in further interest income adjustments. As a result, the Company’s net interest yield on a tax-equivalent basis in 2013 declined by 50 basis points to 3.79 percent from the 4.29 percent reported in 2012. The net interest yield on a tax-equivalent basis was 4.49 percent in 2011.

 

Total interest income on a tax equivalent basis decreased by $1,887,000 or 12 percent, in 2013 and $695,000, or 4 percent, in 2012. Overall, interest income continues to be negatively impacted by the continued low interest rate environment as yields on interest earning assets decreased to 4.04 percent in 2013 from 4.59 percent in 2012. Yields on interest earning assets were 4.93 percent in 2011.

 

Total interest expense on a tax equivalent basis decreased by $149,000, or 14 percent, in 2013 and $475,000 or 31 percent in 2012 due to the repricing of interest-bearing liabilities in a lower rate environment. In 2011, total interest expense on a tax equivalent basis decreased by $948,000 or 38 percent.

 

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Noninterest Income

 

Noninterest income consists of revenues generated from a broad range of financial services and activities, including deposit and service fees, gains and losses realized from the sale of securities and assets, as well as various other components that comprise other noninterest income. Noninterest income decreased by $1,468,000, or 25 percent, to $4,481,000 in 2013 compared to $5,949,000 in 2012. The decrease is due to several factors, a decline in gains realized on the sale of securities of $437,000, the Company did not receive the Bank Enterprise Award (BEA) in 2013 which it received in 2012 in the amount of $415,000, and other operating income decreased by $546,000 compared to 2012.

 

Service charges on deposit accounts, the major component of noninterest income, decreased by $62,000 or 2 percent in 2013 and $234,000 or 7 percent in 2012. The decreases in service charges on deposit accounts are primarily due to a reduction in overdraft fees. In 2013, net overdraft fees totaled $1,877,000, a decrease of $186,000 compared to the same period last year. The decrease in overdraft fees on a year over year basis is the change in customer behavior from their increased awareness of overdraft fees, and the opt-in requirement to participate in overdraft protection program required Regulation E. In 2012, net overdraft fees totaled $2,063,000, a decrease of $292,000 compared to 2011. Overdrafts fees, due to their nature, fluctuate monthly based on the short-term loan needs of the customers.

 

The Company realized gains on the sale of securities of $244,000, $681,000,and $201,000 in 2013, 2012, and 2011, respectively. As part of its asset/liability and tax strategies, the Company will reposition its investment portfolio to manage its duration, its sensitivity to changing interest rates, deferred taxes and to improve liquidity.

 

In 2012, the Company received $415,000 from the BEA Program for its increased lending, investment, and service activities within economically distressed communities. The Company did not receive the BEA funding in 2013.

 

Other operating income decreased by $546,000, or 51 percent compared to 2012. This decrease is due to nonrecurring income items received in 2012. In 2012, the Company received $290,000 in life insurance proceeds and recovered$181,000 in legal expenses related to a settlement of a defaulted loan. In 2012, other operating income increased by $358,000, or 51 percent, due to the nonrecurring income items mentioned above.

 

Noninterest Expense

 

Noninterest expense decreased by $2,438,000, or 13 percent, in 2013 compared to 2012 primarily due to a decrease in OREO related expenses of $2,289,000. Also, in 2013, salaries and employee benefits, and occupancy and equipment expenses decreased by $185,000 and $47,000, respectively. In 2012, noninterest expenses increased by $1,200,000, or 7 percent, compared to 2011 primarily due to an increase in OREO related expenses of $1,689,000, or 98 percent.

 

Salaries and employee benefits expense decreased by $185,000, or 3 percent, in 2013 due to lower full-time employees (“FTE”) during the year. In 2012, salaries and employee benefits expense decreased by $232,000, or 3 percent, due to lower full-time employees (“FTE”) and no merit increases in 2012.

 

54
 

Occupancy and equipment expense includes depreciation expense and repairs and maintenance costs relating to the Company’s premises and equipment. Occupancy and equipment expenses decreased by $47,000, or 2 percent, to $2,127,000 in 2013 compared to 2012, and decreasing by $115,000 in 2012 to $2,174,000 compared to 2011.

 

Other real estate related expenses decreased $2,289,000, or 67 percent, to $1,121,000 compared to 2012. In 2012, the Company implemented a strategy to accelerate the disposition of its OREO and other problem assets. The higher OREO related expenses of $3,410,000 in 2012 are directly related to this strategy. Total OREO related expenses were $1,720,000 in 2011. Write-downs of OREO were $616,000, $2,467,000, and $1,259,000 in 2013, 2012, and 2011, respectively. The Company realized a loss of $56,000 on the sale of foreclosed properties in 2013 compared to losses of $637,000 in 2012, and $33,000 in 2011.

 

Income Taxes

 

Income tax benefit decreased by $750,000 and $181,000, in 2013 and 2012, respectively, as the Company recorded a tax benefit of $151,000 and $901,000 for the years ended December 31, 2013 and 2012. The effective tax rate as a percentage of pretax income in 2013 was 13 percent and as a percentage of pretax loss was a benefit of 681 percent in 2012. The effective tax rate as a percentage of pretax loss was a benefit of 133 percent in 2011. The statutory federal rate was 34 percent during 2013, 2012 and 2011. The decrease in the effective tax rate in 2013 was primarily due to tax-exempt interest income from investment securities and life insurance policies. For further information concerning the provision for income taxes, refer to Note 7, Income Taxes, in the Notes to Consolidated Financial Statements.

 

55
 

ITEM 7A.       QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

 

This information is not required since the Company qualifies as a smaller reporting company.

 

ITEM 8.          FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

 

The following financial statements, notes thereon, and report of independent registered public accountant firm are included herein beginning on page F-1:

 

Report of Independent Registered Public Accounting Firm

Consolidated Balance Sheets as of December 31, 2013 and 2012

Consolidated Statements of Income for the years ended December 31, 2013, 2012 and 2011

Consolidated Statements of Comprehensive Income (Loss) for the years ended December 31, 2013, 2012 and 2011

Consolidated Statements of Changes in Stockholders’ Equity for the years ended December 31, 2013, 2012 and 2011

Consolidated Statements of Cash Flows for the years ended December 31, 2013, 2012 and 2011

Notes to Consolidated Financial Statements

 

ITEM 9.        CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

 

There have been no changes or disagreements with the Company’s accountants in the last two fiscal years.

 

ITEM 9A.       CONTROLS AND PROCEDURES

 

Evaluation of Disclosure Controls and Procedures

 

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, as of the end of the period covered by this Annual Report on Form 10-K, our principal executive officer and principal financial officer have evaluated the effectiveness of our “disclosure controls and procedures” (“Disclosure Controls”). Disclosure Controls, as defined in Rule 13a-15(e) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), are procedures that are designed with the objective of ensuring that information required to be disclosed in our reports filed under the Exchange Act, such as this annual report, is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission’s rules and forms. Disclosure Controls are also designed with the objective of ensuring that such information is accumulated and communicated to our management, including our principal executive officer and principal financial officer, as appropriate to allow timely decisions regarding required disclosure.

 

56
 

Our management, including our principal executive officer and principal financial officer, does not expect that our Disclosure Controls will prevent all error and all fraud. A control system, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control system are met. Further, the design of a control system must reflect the fact that there are resource constraints, and the benefits of controls must be considered relative to their costs. Because of the inherent limitations in all control systems, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected. These inherent limitations include the realities that judgments in decision-making can be faulty, and that breakdowns can occur because of simple error or mistake. The design of any system of controls also is based in part upon certain assumptions about the likelihood of future events, and there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions.

 

Based upon this evaluation, our Chief Executive Officer and Chief Financial Officer concluded that such disclosure controls and procedures are effective to ensure that material information relating to the Company, including its consolidated subsidiary, that is required to be included in its periodic filings with the Securities Exchange Commission, is timely made known to them.

 

Management’s Report on Internal Control Over Financial Reporting

 

Our management is responsible for establishing and maintaining effective internal control over financial reporting as defined in Rules 13a-15(f) and 15d-15(f) under the Securities Exchange Act of 1934. Our internal control over financial reporting is a process designed to provide reasonable assurance that assets are safeguarded against loss from unauthorized use or disposition, transactions are executed in accordance with appropriate management authorization, and accounting records are reliable for the preparation of financial statements in accordance with generally accepted accounting principles.

 

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

 

Management assessed the effectiveness of our internal control over financial reporting as of December 31, 2013. Management based this assessment on criteria for effective internal control over financial reporting described in Internal Control—Integrated Framework (1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission. Management’s assessment included an evaluation of the design of our internal control over financial reporting and testing of the operational effectiveness of its internal control over financial reporting. Management reviewed the results of its assessment with the Audit Committee of our Board of Directors.

 

Based on this assessment, management believes that Citizens Bancshares Corporation maintained effective internal control over financial reporting as of December 31, 2013.

 

57
 

This Annual Report on Form 10-K does not include an attestation report of the Company’s independent public accounting firm regarding internal control over financial reporting. Management’s report was not subject to attestation by the Company’s independent public accounting firm pursuant to rules of the Securities and Exchange Commission that permit the Company, as a smaller reporting company, to provide only management’s report in this annual report.

 

Changes in Internal Controls

 

There have been no changes in our internal controls over financial reporting during our fourth fiscal quarter ended December 31, 2013 that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

 

ITEM 9B. OTHER INFORMATION

 

None

 

58
 

PART III

 

ITEM 10.        DIRECTORS, EXECUTIVE OFFICERS, AND CORPORATE GOVERNANCE

 

The responses to this Item are included in the Company’s Proxy Statement for the 2014 Annual Meeting of Shareholders, under the headings “Election of Directors,” “Executive Officers,” “Beneficial Ownership of Common Stock,” “Information About the Board and its Committees” and “Compliance With Section 16(a) of the Securities Exchange Act of 1934” and are incorporated herein by reference.

 

The Company has adopted a Code of Business Conduct and Ethics that applies to its senior management, including its principal executive, financial and accounting officers. A copy may also be obtained, without charge, upon written request addressed to Citizens Bancshares Corporation, 75 Piedmont Avenue, N.E., Atlanta, Georgia 30303, Attention: Corporate Secretary. The request may also be delivered by fax to the Corporate Secretary at (404) 575-8311.

 

There have been no material changes to the procedures by which shareholders may recommend nominees to the Company’s board of directors.

 

ITEM 11.        EXECUTIVE COMPENSATION

 

The responses to this Item are included in the Company’s Proxy Statement for the 2014 Annual Meeting of Shareholders under the heading “Executive Compensation” and “Election of Directors” and are incorporated herein by reference.

 

59
 

ITEM 12.      SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS

 

The responses to this item are included in the Company’s Proxy Statement for the 2014 Annual Meeting of Shareholders under the heading “Beneficial Ownership of Common Stock” and are incorporated herein by reference.

 

The following table sets forth information regarding our equity compensation plans under which shares of our common stock are authorized for issuance. All data is presented as of December 31, 2013.

 

Equity Compensation Plan Table

 

  (a) (b) (c)
Plan category

Number of securities to be issued upon exercise of outstanding options, warrants and rights

 

 

 Weighted-average exercise price of outstanding options, warrants and rights

Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in column (a))

 

Equity compensation plans approved by security holders

 

 

49,277 shares

 

$  10.47

 

266,309 shares

Equity compensation plans not approved by security holders

 

 

None

 

$     —

 

None

Total 49,277 $  10.47 266,309 shares

 

ITEM 13.        CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE

 

The responses to this Item are included in the Company’s Proxy Statement for the 2014 Annual Meeting of Shareholders under the heading, “Certain Transactions” and “Director Independence” and are incorporated herein by reference.

 

ITEM 14.        PRINCIPAL ACCOUNTANT FEES AND SERVICES

 

Information relating to the fees paid to the Company’s independent accountants is set forth in the Company’s Proxy Statement for the 2014 Annual Meeting of Shareholders under the heading “Accounting Matters” and are incorporated herein by reference.

 

60
 

Citizens Bancshares Corporation and Subsidiary

Consolidated Financial Statements as of
December 31, 2013 and 2012 and for Each of the
Three Years in the Period Ended December 31, 2013

 

 

 
 

citizens bancshares corporation and subsidiarY

TABLE OF CONTENTS

  Page
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM F-2
CITIZENS BANCSHARES CORPORATION AND SUBSIDIARY  
  CONSOLIDATED FINANCIAL STATEMENTS:  
  Consolidated Balance Sheets as of December 31, 2013 and 2012 F-3
  Consolidated Statements of Income for the Years Ended
  December 31, 2013, 2012, and 2011		 F-4
  Consolidated Statements of Comprehensive Income (Loss) for the Years Ended
  December 31, 2013, 2012, and 2011		 F-5
  Consolidated Statements of Changes in Stockholders’ Equity for the Years Ended
  December 31, 2013, 2012, and 2011		 F-6
   
  Consolidated Statements of Cash Flows for the Years Ended
  December 31, 2013, 2012, and 2011		 F-7 - F-8
  Notes to Consolidated Financial Statements F-9 - F-45

 
 

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

The Board of Directors

Citizens Bancshares Corporation

Atlanta, Georgia

 

We have audited the accompanying consolidated balance sheets of Citizens Bancshares Corporation and subsidiary (the “Company”) as of December 31, 2013 and 2012, and the related consolidated statements of income, comprehensive income (loss), changes in stockholders’ equity, and cash flows for each of the three years in the period ended December 31, 2013. These consolidated financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits.

 

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. The Company is not required to have, nor were we engaged to perform an audit of its internal control over financial reporting. Our audits included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company’s internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

 

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Citizens Bancshares Corporation and subsidiary as of December 31, 2013 and 2012, and the results of their operations and their cash flows for each of the three years in the period ended December 31, 2013, in conformity with U. S. generally accepted accounting principles.

 

 

/s/ Elliott Davis, LLC

Greenville, South Carolina

March 31, 2014

 

 

F-2
 

CITIZENS BANCSHARES CORPORATION AND SUBSIDIARY

 

CONSOLIDATED BALANCE SHEETS

DECEMBER 31, 2013 AND 2012

 

ASSETS  2013  2012
       
Cash and due from banks, including reserve requirements of $286,000 and $242,000 at December 31, 2013 and 2012, respectively  $6,339,676   $5,383,544 
Interest-bearing deposits with banks   22,826,995    34,802,933 
Certificates of deposit   350,000    100,000 
Investment securities available for sale, at fair value (amortized cost of $142,683,895 and $125,748,187 at December 31, 2013 and 2012, respectively)   141,045,282    129,865,524 
Investment securities held to maturity, at cost (estimated fair value of $240,420 and  $1,379,915 at December 31, 2013 and 2012, respectively)   240,000    1,356,119 
Other investments   873,850    995,450 
Loans receivable—net   182,118,539    187,489,181 
Premises and equipment—net   6,589,164    6,956,139 
Cash surrender value of life insurance   9,948,016    9,619,382 
Other real estate owned   7,404,437    8,194,955 
Other assets   9,996,714    10,841,502 
   $387,732,673   $395,604,729 
           
LIABILITIES AND STOCKHOLDERS’ EQUITY          
           
LIABILITIES:          
Noninterest-bearing deposits  $71,141,732   $59,342,308 
Interest-bearing deposits   265,820,556    281,251,135 
Total deposits   336,962,288    340,593,443 
Accrued expenses and other liabilities   4,189,514    5,565,484 
Advances from Federal Home Loan Bank   273,079    291,697 
Total liabilities   341,424,881    346,450,624 
COMMITMENTS AND CONTINGENCIES (Note 9)          
STOCKHOLDERS’ EQUITY:          
Preferred stock - No par value; 10,000,000 shares authorized;          
Series B, 7,462 shares issued and outstanding at December 31, 2013 and 2012   7,462,000    7,462,000 
Series C, 4,379 shares issued and outstanding at December 31, 2013 and 2012   4,379,000    4,379,000 
Common stock - $1 par value; 20,000,000 shares authorized; 2,292,728 and 2,250,364 shares issued and outstanding at December 31, 2013 and 2012, respectively   2,292,728    2,250,364 
Nonvoting common stock - $1 par value; 5,000,000 shares authorized; 90,000 shares issued and outstanding at December 31, 2013 and 2012   90,000    90,000 
Nonvested restricted common stock   (16,229)   (56,800)
Additional paid-in capital   7,932,710    7,941,817 
Retained earnings   27,130,582    26,190,373 
Treasury stock, at cost, 235,938 and 220,525 shares at December 31, 2013 and 2012, respectively   (1,881,551)   (1,820,128)
Accumulated other comprehensive income (loss), net of income taxes   (1,081,448)   2,717,479 
Total stockholders’ equity   46,307,792    49,154,105 
   $387,732,673   $395,604,729 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

F-3
 

CITIZENS BANCSHARES CORPORATION AND SUBSIDIARY

 

CONSOLIDATED STATEMENTS OF INCOME

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012, AND 2011

 

   2013  2012  2011
          
Interest income:               
  Loans, including fees  $10,487,067   $12,081,649   $11,970,684 
  Investment securities:               
    Taxable   1,874,286    1,836,547    2,260,962 
    Tax-exempt   1,270,082    1,507,882    1,764,953 
    Dividends   37,771    38,481    35,198 
  Interest-bearing deposits   96,753    65,113    61,567 
           Total interest income   13,765,959    15,529,672    16,093,364 
                
Interest expense:               
  Deposits   902,663    1,050,460    1,526,829 
  Other borrowings   604    1,070    41 
           Total interest expense   903,267    1,051,530    1,526,870 
           Net interest income   12,862,692    14,478,142    14,566,494 
Provision for loan losses   425,000    2,400,000    3,882,409 
Net interest income after provision for loan losses   12,437,692    12,078,142    10,684,085 
Noninterest income:               
    Service charges on deposits   3,157,140    3,219,457    3,453,742 
    Gains on sales of securities   243,882    681,327    201,421 
    Gains on sales of assets   —      —      6,162 
    Bank owned life insurance   328,634    342,395    366,431 
    ATM surcharges   237,045    230,584    230,964 
    BEA award   —      415,000    500,000 
    Other operating income   514,418    1,060,098    702,138 
           Total noninterest income   4,481,119    5,948,861    5,460,858 
                
Noninterest expense:               
  Salaries and employee benefits   6,504,634    6,689,215    6,921,594 
  Occupancy and equipment   2,127,026    2,174,356    2,289,583 
  Other real estate owned, net   1,120,540    3,409,890    1,720,440 
  Other operating expenses   5,968,644    5,885,789    6,027,257 
           Total noninterest expense   15,720,844    18,159,250    16,958,874 
           Income (loss) before income taxes benefit   1,197,967    (132,247)   (813,931)
Income tax benefit   (150,806)   (901,070)   (1,082,557)
           Net income   1,348,773    768,823    268,626 
Preferred dividends   236,820    236,820    236,820 
           Net income available to common stockholders  $1,111,953   $532,003   $31,806 
Net income per common share—basic  $0.52   $0.25   $0.02 
Net income per common share—diluted  $0.51   $0.25   $0.02 
                
Weighted average outstanding shares:               
  Basic   2,152,780    2,157,732    2,120,366 
  Diluted   2,165,610    2,165,396    2,134,188 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

 

F-4
 

CITIZENS BANCSHARES CORPORATION AND SUBSIDIARY

 

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012 AND 2011

 

   2013  2012  2011
          
Net Income  $1,348,773   $768,823   $268,626 
                
Other Comprehensive Income (Loss)               
Unrealized holding gain (loss) on investment securities available for sale, net of tax of $(1,874,103) for 2013, $279,575 for 2012 and $1,530,186 for 2011   (3,637,965)   542,705    2,970,361 
Reclassification adjustment for holding gains included in net income, net of tax of $82,920 for 2013, $231,651 for 2012, and $68,483 for 2011   (160,962)   (449,676)   (132,938)
Other Comprehensive Income (Loss)   (3,798,927)   93,029    2,837,423 
                
Total Comprehensive Income (Loss)  $(2,450,154)  $861,852   $3,106,049 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

 

F-5
 

CITIZENS BANCSHARES CORPORATION AND SUBSIDIARY

 

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012, AND 2011

 

                     Non-Vested  Additional           Accumulated
Other		   
               Nonvoting  Restricted  Paid-in  Retained        Comprehensive   
   Preferred Stock  Common Stock  Common Stock  Stock  Capital  Earnings  Treasury Stock  Income (Loss)  Total
   Shares  Amount  Shares  Amount  Shares  Amount           Shares  Amount      
                                        
Balance—December 31, 2010   11,841   $11,841,000    2,233,278   $2,233,278    90,000   $90,000   $(106,851)  $7,812,939   $25,964,469    (217,531)  $(1,804,941)  ($212,973)  $45,816,921 
                                                                  
Net income   —      —      —      —      —      —      —      —      268,626    —      —      —      268,626 
Other comprehensive income   —      —      —      —      —      —      —      —      —      —      —      2,837,423    2,837,423 
Nonvested restricted stock   —      —      —      —      —      —      21,063    (16,001)   —      —      —      —      5,062 
Purchase of treasury stock   —      —      —      —      —      —      —      —      —      (1,541)   (5,372)   —      (5,372)
Issuance of common stock   —      —      4,079    4,079    —      —      —      11,922    —      —      —      —      16,001 
Dividends paid on preferred stock   —      —      —      —      —      —      —      —      (236,820)   —      —      —      (236,820)
Dividends paid on common stock   —      —      —      —      —      —      —      —      (168,663)   —     —      —      (168,663)
                                                                  
Balance—December 31, 2011   11,841    11,841,000    2,237,357    2,237,357    90,000    90,000    (85,788)   7,808,860    25,827,612    (219,072)   (1,810,313)   2,624,450   $48,533,178 
                                                                  
Net income   —      —      —      —      —      —      —      —      768,823    —      —      —      768,823 
Other comprehensive income   —      —      —      —      —      —      —      —      —      —      —      93,029    93,029 
Nonvested restricted stock   —      —      —      —      —      —      28,988    110,074    —      —      —      —      139,062 
Purchase of treasury stock   —      —      —      —      —      —      —      —      —      (1,453)   (9,815)   —      (9,815)
Issuance of common stock   —      —      13,007    13,007    —      —      —      22,883    —      —      —      —      35,890 
Dividends paid on preferred stock   —      —      —      —      —      —      —      —      (236,820)   —      —      —      (236,820)
Dividends paid on common stock   —      —      —      —      —      —      —      —      (169,242)   —      —      —      (169,242)
                                                                  
Balance—December 31, 2012   11,841   $11,841,000    2,250,364   $2,250,364    90,000   $90,000   ($56,800)  $7,941,817   $26,190,373    (220,525)  $(1,820,128)  $2,717,479   $49,154,105 
                                                                  
Net income   —      —      —      —      —      —      —      —      1,348,773    —      —      —      1,348,773 
Other comprehensive income   —      —      —      —      —      —      —      —      —      —      —      (3,798,927)   (3,798,927)
Nonvested restricted stock   —      —      —      —      —      —      40,571    (147,400)   —      —      —      —      (106,829)
Purchase of treasury stock   —      —      —      —      —      —      —      —      —      (15,413)   (61,423)   —      (61,423)
Issuance of common stock   —      —      42,364    42,364    —      —      —      138,293    —      —      —      —      180,657 
Dividends paid on preferred stock   —      —      —      —      —      —      —      —      (236,820)   —      —      —      (236,820)
Dividends paid on common stock   —      —      —      —      —      —      —      —      (171,744)   —      —      —      (171,744)
                                                                  
Balance—December 31, 2013   11,841   $11,841,000    2,292,728   $2,292,728    90,000   $90,000   ($16,229)  $7,932,710   $27,130,582    (235,938)  $(1,881,551)  ($1,081,448)  $46,307,792 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

F-6
 

CITIZENS BANCSHARES CORPORATION AND SUBSIDIARY

 

CONSOLIDATED STATEMENTS OF CASH FLOWS

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012 AND 2011

 

   2013  2012  2011
          
OPERATING ACTIVITIES:               
  Net income  $1,348,773   $768,823   $268,626 
Adjustments to reconcile net income to net cash provided by operating activities:               
    Provision for loan losses   425,000    2,400,000    3,882,409 
    Depreciation   615,694    660,440    710,092 
    Amortization and accretion—net   1,342,645    1,438,549    993,420 
    Provision (benefit) for deferred income taxes   1,433,220    (830,384)   (3,027,049)
    Gains on sales of securities   (243,882)   (681,327)   (201,421)
    Gains on sales of assets   —      —      (6,162)
    Loss on sale of other real estate owned   56,143    636,690    32,588 
    Restricted stock based compensation plan   (106,829)   139,062    5,062 
    Decrease in carrying value of other real estate owned   615,839    2,467,252    1,258,602 
  Changes in assets and liabilities, net of acquisition:               
    Change in other assets   493,770    1,874,192    1,580,054 
    Change in accrued expenses and other liabilities   (1,375,971)   279,591    1,228,889 
                
           Net cash provided by operating activities   4,604,402    9,152,888    6,725,110 
                
INVESTING ACTIVITIES:               
  Net change in certificates of deposit   (250,000)   —      50,000 
Proceeds from the sales, maturities and paydowns of securities available for sale   30,233,702    39,953,870    36,591,365 
Proceeds from the maturities and paydowns of of securities held to maturity   1,119,150    1,941,274    15,046 
  Purchases of securities available for sale   (47,766,287)   (45,717,236)   (29,602,262)
  Net change in other investments   121,600    316,400    746,000 
  Net change in loans   1,085,325    874,155    (12,963,368)
  Purchases of premises and equipment   (248,719)   (388,416)   (421,856)
  Proceeds from sale of premises and equipment   —      —      10,000 
  Proceeds from sale of other real estate owned   4,020,124    3,437,498    3,490,246 
                
           Net cash provided by (used in) investing activities   (11,685,105)   417,545    (2,084,829)

 

(Continued)

 

 

F-7
 

CITIZENS BANCSHARES CORPORATION AND SUBSIDIARY

 

CONSOLIDATED STATEMENTS OF CASH FLOWS (continued)

FOR THE YEARS ENDED DECEMBER 31, 2013, 2012 AND 2011

 

   2013  2012  2011
          
FINANCING ACTIVITIES:               
  Net change in deposits  $(3,631,155)  $(2,437,380)  $5,426,625 
  Net decrease in Federal Home Loan Bank advances   (18,618)   (18,250)   (17,889)
  Common stock dividend paid   (171,744)   (169,242)   (168,663)
  Preferred stock dividend paid   (236,820)   (236,820)   (236,820)
  Net purchase of treasury stock   (61,423)   (9,815)   (5,372)
  Proceeds from issuance of common stock   180,657    35,890    16,001 
                
           Net cash provided by (used in) financing activities   (3,939,103)   (2,835,617)   5,013,882 
                
           Net change in cash and cash equivalents   (11,019,806)   6,734,816    9,654,163 
                
CASH AND CASH EQUIVALENTS               
  Beginning of year   40,186,477    33,451,661    23,797,498 
                
  End of year  $29,166,671   $40,186,477   $33,451,661 
                
Supplemental disclosures of cash paid during the year for:               
  Interest  $939,420   $1,130,336   $1,695,829 
  Income taxes   26,000    27,615    11,628 
                
Supplemental disclosures of noncash investing activities:               
   Real estate acquired through foreclosure   3,901,588    4,660,558    5,747,670 
               
Change in unrealized gain (loss) on investment securities available for sale—net of tax   (3,798,927)   93,029    2,837,423 

 

The accompanying notes are an integral part of these consolidated financial statements.

F-8
 

citizens bancshares corporation and subsidiarY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
AS OF DECEMBER 31, 2013 AND 2012 AND FOR EACH OF THE THREE YEARS
IN THE PERIOD ENDED DECEMBER 31, 2013

1.SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Business—Citizens Bancshares Corporation and subsidiary (the “Company”) is a holding company that provides a full range of commercial banking to individual and corporate customers in its primary market areas, metropolitan Atlanta and Columbus, Georgia, and Birmingham and Eutaw, Alabama through its wholly owned subsidiary, Citizens Trust Bank (the “Bank”). The Bank operates under a state charter and serves its customers through seven full-service branches in metropolitan Atlanta, one full-service branch in Columbus, Georgia, one full-service branch in Birmingham, Alabama, and one full-service branch in Eutaw, Alabama. All significant intercompany accounts and transactions have been eliminated in consolidation.

Basis of Presentation—The consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and with general practices within the banking industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts in the consolidated financial statements. Actual results could differ significantly from those estimates. Material estimates common to the banking industry that are particularly susceptible to significant change in the near term are the allowance for loan losses, the valuation of allowances associated with the recognition of deferred tax assets and the value of foreclosed real estate and intangible assets.

Troubled Asset Relief Program—On August 13, 2010, as part of the U.S. Department of the Treasury (the “Treasury”) Troubled Asset Relief Program (“TARP”) Community Development Capital Initiative, the Company entered into a Letter Agreement, and an Exchange Agreement–Standard Terms (“Exchange Agreement”), with the Treasury, pursuant to which the Company agreed to exchange 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (“Series A Preferred Shares”), issued on March 6, 2009, pursuant to the Company’s participation in the TARP Capital Purchase Program, for 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series B (“Series B Preferred Shares”), both of which have a liquidation preference of $1,000 (the “Exchange Transaction”). No new monetary consideration was exchanged in connection with the Exchange Transaction. The Exchange Transaction closed on August 13, 2010 (the “Closing Date”).

On September 17, 2010, the Company issued 4,379 shares of its Series C Preferred Shares to the Treasury as part of its TARP Community Development Capital Initiative for a total of 11,841 shares of Series B and C Preferred Shares issued to the Treasury. The issuance of the Series B and Series C Preferred Shares was a private placement exempt from registration pursuant to Section 4(2) of the Securities Act of 1933, as amended.

The Series B and Series C Preferred Shares qualify as Tier 1 capital and will pay cumulative dividends at a rate of 2% per annum for the first eight years after the Closing Date and 9% per annum thereafter. The Company may, subject to consultation with the Federal Reserve Bank of Atlanta, redeem the Series B and Series C Preferred Shares at any time for its aggregate liquidation amount plus any accrued and unpaid dividends.

Cash and Cash Equivalents—Cash and cash equivalents include cash on hand and amounts due from banks, interest-bearing deposits with banks and federal funds sold. The Federal Reserve Bank (the “FRB”) requires the Company to maintain a required cash reserve balance on deposit with the FRB, based on the Company’s daily average balance with the FRB. This reserve requirement represents 3% of the Company’s daily average demand deposit balance between $12.4 million and $79.5 million and 10% of the Company’s daily average demand deposit balance above $79.5 million. The required reserve was satisfied by the Company’s vault cash.

F-9
 

Interest-bearing Deposits with Banks—Substantially all of the Company’s interest-bearing deposits with banks represent funds maintained on deposit at the Federal Reserve Bank of Atlanta (the ‘FRB”) and the Federal Home Loan Bank of Atlanta (FHLB). These funds fluctuate daily and are used to manage the Company’s liquidity and borrowing position. Funds can be withdrawn daily from this account and accordingly, the carrying amount of this account is at cost which is deemed to be a reasonable estimate of fair value.

Other Investments— Other investments consist of Federal Home Loan Bank stock and Federal Reserve Bank stock which are restricted and have no readily determinable market value. These investments are carried at cost.

Investment Securities—The Company classifies investments in one of three categories based on management’s intent upon purchase: held to maturity securities which are reported at amortized cost, trading securities which are reported at fair value with unrealized holding gains and losses included in earnings, and available for sale securities which are recorded at fair value with unrealized holding gains and losses included as a component of accumulated other comprehensive income (loss). The Company had no investment securities classified as trading securities during 2013, 2012, or 2011.

Premiums and discounts on available for sale and held to maturity securities are amortized or accreted using a method which approximates a level yield. Amortization and accretion of premiums and discounts are presented within investment securities interest income on the Consolidated Statements of Income.

Gains and losses on sales of investment securities are recognized upon disposition, based on the adjusted cost of the specific security. A decline in market value of any security below cost that is deemed other than temporary is charged to earnings resulting in the establishment of a new cost basis for the security. The determination of whether an other-than-temporary impairment has occurred involves significant assumptions, estimates, changes in economic conditions and judgment by management. There was no other-than-temporary impairment for securities recorded during 2013, 2012 or 2011.

Loans Receivable and Allowance for Loan Losses—Loans are reported at principal amounts outstanding plus direct origination costs, net of loan fees and any direct charge-offs. Interest income is recognized over the term of the loan based on the principal amount outstanding. Loan fees and certain direct origination costs are deferred and amortized over the estimated terms of the loans using the level yield method. Premiums and discounts on loans purchased are amortized and accreted using the level yield method over the estimated remaining life of the loan purchased. The accretion and amortization of loan fees, origination costs, and premiums and discounts are presented as a component of loan interest income on the Consolidated Statements of Income.

Management considers a loan to be impaired when, based on current information and events, there is a potential that all amounts due according to the contractual terms of the loan may not be collected. Impaired loans are measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, or at the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent.

Loans are generally placed on nonaccrual status when the full and timely collection of principal or interest becomes uncertain or the loan becomes contractually in default for 90 days or more as to either principal or interest, unless the loan is well collateralized and in the process of collection. When a loan is placed on nonaccrual status, current period accrued and uncollected interest is charged-off against interest income on loans unless management believes the accrued interest is recoverable through the liquidation of collateral. Loans are returned to accrual status when payment has been made according to the terms and conditions of the loan for a continuous six month period.

F-10
 

The Company provides for estimated losses on loans receivable when any significant and permanent decline in value occurs. These estimates for losses are based on individual assets and their related cash flow forecasts, sales values, independent appraisals, the volatility of certain real estate markets, and concern for disposing of real estate in distressed markets. For loans that are pooled for purposes of determining necessary provisions, estimates are based on loan types, history of charge-offs, and other delinquency analyses. Therefore, the value used to determine the provision for losses is subject to the reasonableness of these estimates. The adequacy of the allowance for loan losses is reviewed on a monthly basis by management and the Board of Directors. This assessment is made in the context of historical losses as well as existing economic conditions, performance trends within specific portfolio segments, and individual concentrations of credit.

Loans are charged-off against the allowance when, in the opinion of management, such loans are deemed to be uncollectible and subsequent recoveries are added to the allowance.

Troubled Debt Restructurings—Loans to be restructured are identified based on an assessment of the borrower’s credit status, which involves, but is not limited to, a review of financial statements, payment delinquency, non-accrual status, and risk rating. Determining the borrower’s credit status is a continual process that is performed by the Company’s staff with periodic participation from an independent external loan review group.

 

Troubled debt restructurings (“TDR”) generally occur when a borrower is experiencing, or is expected to experience, financial difficulties in the near-term and it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company seeks to assist these borrowers by working with them to prevent further difficulties, and ultimately to improve the likelihood of recovery on the loan while ensuring compliance with the Federal Financial Institutions Examination Council (FFIEC) guidelines. To facilitate this process, a formal concessionary modification that would not otherwise be considered may be granted resulting in classification of the loan as a TDR.

 

The modification may include a change in the interest rate or the payment amount or a combination of both. Substantially all modifications completed under a formal restructuring agreement are considered TDRs. Modifications can involve loans remaining on nonaccrual, moving to nonaccrual, or continuing on accruing status, depending on the individual facts and circumstances of the borrower. These restructurings rarely result in the forgiveness of principal or interest. Nonperforming commercial TDRs may be returned to accrual status based on a current, well-documented credit evaluation of the borrower’s financial condition and prospects for repayment under the modified terms. This evaluation must include consideration of the borrower’s sustained historical repayment performance for a reasonable period (generally a minimum of six months) prior to the date on which the loan is returned to accrual status.

 

With respect to commercial TDRs, an analysis of the credit evaluation, in conjunction with an evaluation of the borrower’s performance prior to the restructuring, are considered when evaluating the borrower’s ability to meet the restructured terms of the loan agreement. Nonperforming commercial TDRs may be returned to accrual status based on a current, well-documented credit evaluation of the borrower’s financial condition and prospects for repayment under the modified terms. This evaluation must include consideration of the borrower’s sustained historical repayment performance for a reasonable period (generally a minimum of six months) prior to the date on which the loan is returned to accrual status.

 

F-11
 

In connection with consumer loan TDRs, a nonperforming loan will be returned to accruing status when current as to principal and interest and upon a sustained historical repayment performance (generally a minimum of six months).

Premises and Equipment—Premises and equipment are stated at cost less accumulated depreciation which is computed using the straight-line method over the estimated useful lives of the related assets. When assets are retired or otherwise disposed, the cost and related accumulated depreciation are removed from the accounts, and any resulting gain or loss is reflected in earnings for the period. The costs of maintenance and repairs, which do not improve or extend the useful life of the respective assets, are charged to earnings as incurred, whereas significant renewals and improvements are capitalized. The range of estimated useful lives for premises and equipment is as follows:

Buildings and improvements   5-40 years 
Furniture and equipment   3-10 years 

 

Other Real Estate Owned—Other real estate owned is reported at the lower of cost or fair value less estimated disposal costs, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources. Any excess of the loan balance at the time of foreclosure over the fair value of the real estate held as collateral is treated as a charge-off against the allowance for loan losses. Any subsequent declines in value are charged to earnings. Transactions in other real estate owned for the years ended December 31, 2013 and 2012 are summarized below:

   Years Ended December 31,
   2013  2012
       
Balance—beginning of year  $8,194,955   $10,075,837 
Additions   3,901,588    4,660,558 
Sales   (4,076,267)   (4,074,188)
Write downs   (615,839)   (2,467,252)
           
Balance—end of year  $7,404,437   $8,194,955 

 

Intangible Assets—Finite lived intangible assets of the Company represent deposit assumption premiums recorded upon the purchase of certain assets and liabilities from other financial institutions. Deposit assumption premiums are amortized over seven years, the estimated average lives of the deposits acquired, using the straight-line method and are included within other assets on the Consolidated Balance Sheets.

The Company reviews the carrying value of goodwill on an annual basis and on an interim basis if certain events or circumstances indicate that an impairment loss may have been incurred. An impairment charge is recognized if the carrying value of the reporting unit’s goodwill exceeds its implied fair value.

 

 

F-12
 

The following table presents information about our intangible assets:

   December 31, 2013  December 31, 2012
   Gross Carrying Amount  Accumulated Amortization  Gross Carrying Amount  Accumulated Amortization
             
Unamortized intangible asset:                    
Goodwill  $362,139   $—     $362,139   $—   
                     
                     
Amortized intangible asset:                    
Core deposit intangibles  $3,303,427   $2,241,611   $3,303,427   $1,769,693 

 

The following table presents information about aggregate amortization expense for each of the three succeeding fiscal years as follows:

   For the Years Ended December 31,
   2013  2012  2011
          
Aggregate amortization expense of core deposit intangibles  $471,918   $471,918   $471,918 
                
Estimated aggregate amortization expense of core deposit intangibles for the year ending December 31:               
                
2014  $471,918           
2015  $471,918           
2016  $117,980           
2017 and thereafter  $—              

 

Income Taxes—Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date.

In the event the future tax consequences of differences between the financial reporting bases and the tax bases of the Company’s assets and liabilities result in deferred tax assets, an evaluation of the probability of being able to realize the future benefits indicated by such assets is required. A valuation allowance is provided for the portion of a deferred tax asset when it is more likely than not that some portion or all of the deferred tax asset will not be realized. In assessing the realizability of the deferred tax assets, management considers the scheduled reversals of deferred tax liabilities, projected future taxable income, and tax planning strategies.

Net Income Available to Common Stockholders—Basic net income per common share (“EPS”) is computed based on net income divided by the weighted average number of common shares outstanding. Diluted EPS is computed based on net income available to common stockholders divided by the weighted average number of common and potential common shares. The only potential common share equivalents are those related to stock options and nonvested restricted stock grants. Common share equivalents which are anti-dilutive are excluded from the calculation of diluted EPS.

Stock Based Compensation—The fair value of each stock option award is estimated on the date of grant using a Black-Scholes valuation model. Expected volatility is based on the historical volatility of the Company’s stock, using daily price observations over the expected term of the stock options. The expected term represents the period of time that stock options granted are expected to be outstanding and is derived from historical data which is used to evaluate patterns such as stock option exercise and employee termination. The expected dividend yield is based on recent dividend history. The risk-free interest rate is derived from the U.S. Treasury yield curve in effect at the time of grant based on the expected life of the option.

 

F-13
 

There were no options granted in 2013,2012, and 2011.

 

In 2011, 11,000 nonvested restricted shares of common stock were issued to certain officers at a grant price of $4.20. The 2011 restricted common stock vested 100% (Cliff vesting) on December 31, 2012.

In 2012, 12,500 nonvested restricted shares of common stock were issued to certain officers and the Chief Executive Officer (CEO) at a grant price of $4.05. A total of 4,000 restricted shares were issued to the CEO which vest 50% on December 31, 2012 and 50% on December 31, 2014, subject to TARP guidelines. The remaining 8,500 shares of restricted stock will vest 100% (Cliff vesting) on December 31, 2014. In addition, on February 22, 2012 a special 5,000 nonvested restricted share issuance was made to the interim, and now permanent, Chief Executive Officer at a grant price of $4.20 which vested 100% on the grant date. Also on February 22, 2012, 5,000 nonvested restricted shares were issued to the former CEO at a grant price of $4.20. These restricted common stock grants vested 100% on the death of the former CEO, subject to TARP guidelines.

In 2013, 13,500 nonvested restricted shares of common stock were issued to certain officers and the Chief Executive Officer (CEO) at a grant price of $5.98. The 2013 restricted common stock will vest 100% (Cliff vesting) on January 1, 2016.

Recently Issued Accounting Standards—The Comprehensive Income topic of the ASC was amended in June 2011. The amendment eliminated the option to present other comprehensive income as a part of the statement of changes in stockholders’ equity and required consecutive presentation of the statement of net income and other comprehensive income. The amendments were applicable to the Company January 1, 2012 and have been applied retrospectively. In December 2011, the topic was further amended to defer the effective date of presenting reclassification adjustments from other comprehensive income to net income on the face of the financial statements while the FASB redeliberated the presentation requirements for the reclassification adjustments. In February 2013, the FASB further amended the Comprehensive Income topic clarifying the conclusions from such redeliberations. Specifically, the amendments do not change the current requirements for reporting net income or other comprehensive income in financial statements. However, the amendments do require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, in certain circumstances an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The amendments were effective for the Company on a prospective basis for reporting periods beginning after December 15, 2012. These amendments did not have a material effect on the Company’s financial statements.

In July 2012, the Intangibles topic was amended to permit an entity to consider qualitative factors to determine whether it is more likely than not that indefinite-lived intangible assets are impaired. If it is determined to be more likely than not that indefinite-lived intangible assets are impaired, then the entity is required to determine the fair value of the indefinite-lived intangible asset and perform the quantitative impairment test by comparing the fair value with the carrying amount. The amendments are effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012. Early adoption is permitted. The amendments did not have a material effect on the Company’s financial statements.

In April 2013, the FASB issued guidance addressing application of the liquidation basis of accounting. The guidance is intended to clarify when an entity should apply the liquidation basis of accounting. In addition, the guidance provides principles for the recognition and measurement of assets and liabilities and requirements for financial statements prepared using the liquidation basis of accounting. The amendments will be effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein and those requirements should be applied prospectively from the day that liquidation becomes imminent. Early adoption is permitted. The Company does not expect these amendments to have any effect on its financial statements.

F-14
 

In December 2013, the FASB amended the Master Glossary of the FASB Codification to define “Public Business Entity” to minimize the inconsistency and complexity of having multiple definitions of, or a diversity in practice as to what constitutes, a nonpublic entity and public entity within U.S. GAAP. The amendment does not affect existing requirements, however will be used by the FASB, the Private Company Council (“PCC”), and the Emerging Issues Task Force (“EITF”) in specifying the scope of future financial accounting and reporting guidance. The Company does not expect this amendment to have any effect on its financial statements.

In January 2014, the FASB amended the Receivables—Troubled Debt Restructurings by Creditors subtopic of the Codification to address the reclassification of consumer mortgage loans collateralized by residential real estate upon foreclosure. The amendments clarify the criteria for concluding that an in substance repossession or foreclosure has occurred, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan. The amendments also outline interim and annual disclosure requirements. The amendments will be effective for the Company for interim and annual reporting periods beginning after December 15, 2014. Companies are allowed to use either a modified retrospective transition method or a prospective transition method when adopting this update. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

 

Reclassifications—Certain prior year amounts have been reclassified to conform to the 2013 presentation. Such reclassifications had no impact on net income or retained earnings as previously reported.

F-15
 
2.INVESTMENT SECURITIES

 

Investment securities available for sale are summarized as follows:

 

      Gross  Gross   
   Amortized  Unrealized  Unrealized  Fair
   Cost  Gains  Losses  Value
             
At December 31, 2013:                    
  State, county, and municipal securities  $33,734,814   $1,096,801   $29,827   $34,801,788 
  Mortgage-backed securities   99,142,665    347,751    3,223,142    96,267,274 
  Corporate securities   9,806,416    179,876    10,072    9,976,220 
                     
      Totals  $142,683,895   $1,624,428   $3,263,041   $141,045,282 
                     
At December 31, 2012:                    
  State, county, and municipal securities  $36,977,202   $2,886,607   $—     $39,863,809 
  Mortgage-backed securities   79,025,394    1,356,627    134,482    80,247,539 
  Corporate securities   9,745,591    135,093    126,508    9,754,176 
                     
      Totals  $125,748,187   $4,378,327   $260,990   $129,865,524 

 

Investment securities held to maturity are summarized as follows:

      Gross  Gross   
   Amortized  Unrealized  Unrealized  Fair
   Cost  Gains  Losses  Value
At December 31, 2013:                    
                     
  State, county, and municipal securities  $240,000   $420   $—     $240,420 
                     
At December 31, 2012:                    
                     
  State, county, and municipal securities  $1,356,119   $23,796   $—     $1,379,915 

 

The amortized costs and fair values of investment securities at December 31, 2013, by contractual maturity, are shown below. Mortgage-backed securities are classified by their contractual maturity, however, expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with and without call or prepayment penalties.

   Held to Maturity  Available for Sale
             
   Amortized  Fair  Amortized  Fair
   Cost  Value  Cost  Value
             
Due in one year or less  $—     $—     $—     $—   
Due after one year through five years   240,000    240,420    12,458,522    12,731,378 
Due after five years through ten years   —      —      29,292,070    29,849,470 
Due after ten years   —      —      100,933,303    98,464,434 
                     
   $240,000   $240,420   $142,683,895   $141,045,282 

 

Proceeds from the sale of securities were $2,268,000, $7,967,000, and $9,221,000 in 2013, 2012, and 2011, respectively. Gross realized gains on sales of securities were$243,882, $681,327, and $381,702 in 2013, 2012, and 2011, respectively. There were no gross realized losses on sales of securities in 2013 and 2012. Gross realized losses on sales of securities were$180,281 in 2011.

F-16
 

Investment securities with carrying values of approximately $102,728,000 and $82,428,000 at December 31, 2013 and 2012, respectively, were pledged to secure public funds on deposit and for other purposes as required by law, FHLB advances and a $17.7 million line of credit at the Federal Reserve Bank discount window.

The following tables show investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position, at December 31, 2013 and December 31, 2012. Except as explicitly identified below, all unrealized losses on investment securities are considered by management to be temporarily impaired given the credit ratings on these investment securities and the short duration of the unrealized loss.

At December 31, 2013:                  
Securities Available for Sale                  
   Securities in a loss position  for  Securities in a loss position  for      
   less than twelve months  twelve months or more  Total
      Unrealized     Unrealized     Unrealized
   Fair value  losses  Fair value  losses  Fair value  losses
Municipal securities  $2,774,777   $(29,827)  $—     $—     $2,774,777   $(29,827)
Mortgage-backed securities   68,419,947    (2,907,234)   5,135,792    (315,908)   73,555,739    (3,223,142)
Corporate securities   1,989,928    (10,072)   —      —      1,989,928    (10,072)
Total  $73,184,652   $(2,947,133)  $5,135,792   $(315,908)  $78,320,444   $(3,263,041)

 

There were no held to maturity securities in an unrealized loss position at December 31, 2013.

 

At December 31, 2012:                  
Securities Available for Sale                  
   Securities in a loss position  for  Securities in a loss position  for      
   less than twelve months  twelve months or more  Total
      Unrealized     Unrealized     Unrealized
   Fair value  losses  Fair value  losses  Fair value  losses
Mortgage-backed securities  $17,834,180   $(134,482)  $—     $—     $17,834,180   $(134,482)
Corporate securities   1,984,687    (15,313)   3,888,804    (111,195)   5,873,491    (126,508)
Total  $19,818,867   $(149,795)  $3,888,804   $(111,195)  $23,707,671   $(260,990)

 

There were no held to maturity securities in an unrealized loss position at December 31, 2012.

 

Securities classified as available for sale are recorded at fair market value and held to maturity securities are recorded at amortized cost. At December 31, 2013 and 2012, the Company had three and two investment securities, respectively, that were in an unrealized loss position for more than 12 months. The Company reviews these securities for other-than-temporary impairment on a quarterly basis by monitoring their credit support and coverage, constant payment of the contractual principal and interest, loan to value and delinquencies ratios.

We use prices from third party pricing services and, to a lesser extent, indicative (non-binding) quotes from third party brokers, to measure fair value of our investment securities. Fair values of the investment securities portfolio could decline in the future if the underlying performance of the collateral for collateralized mortgage obligations or other securities deteriorates and the levels do not provide sufficient protection for contractual principal and interest. As a result, there is risk that an other-than-temporary impairment may occur in the future particularly in light of the current economic environment.

The Company does not intend to sell these securities and it is more likely than not that the Company will not be required to sell those securities before recovery of its amortized cost. The Company believes, based on industry analyst reports and credit ratings, that it will continue to receive scheduled interest payments as well as the entire principal balance, and the deterioration in value is attributable to changes in market interest rates and is not in the credit quality of the issuer and therefore, these losses are not considered other-than-temporary.

F-17
 

The Company’s investment portfolio consists principally of obligations of the United States, its agencies or its corporations and general obligation and revenue municipal securities. In the opinion of management, there is no concentration of credit risk in its investment portfolio. The Company places its deposits and correspondent accounts with and sells its federal funds to high quality institutions. Management believes credit risk associated with correspondent accounts is not significant.

 

3.LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES

Loans outstanding, by classification, are summarized as follows (amounts in thousands):

   December 31,
   2013  2012
       
Commercial, financial, and agricultural  $20,292   $23,510 
Commercial Real Estate   120,180    125,239 
Single-Family Residential   34,864    34,523 
Construction and Development   3,626    1,813 
Consumer   6,314    5,913 
    185,276    190,998 
           
          Allowance for loan losses   3,157    3,509 
           
          Loans receivable – net  $182,119   $187,489 

 

Concentrations—The Company’s concentrations of credit risk are as follows:

A substantial portion of the Company’s loan portfolio is collateralized by real estate in metropolitan Atlanta and Birmingham markets. Accordingly, the ultimate collectibility of a substantial portion of the Company’s loan portfolio is susceptible to changes in market conditions in the metropolitan Atlanta and Birmingham areas.

·The Company’s loans to area churches were approximately $40.9 million and $49.5 million at December 31, 2013 and 2012, respectively, which are generally secured by real estate.
·The Company’s loans to area convenience stores were approximately $9.2 million and $9.3 million at December 31, 2013 and 2012, respectively. Loans to convenience stores are generally secured by real estate.
·The Company’s loans to area hotels were approximately $25.7 million and $24.8 million at December 31, 2013 and 2012, respectively, which are generally secured by real estate.

 

F-18
 

Allowance for Loan Losses—Activity in the allowance for loan losses is summarized as follows:

   Years Ended December 31,
   2013  2012  2011
          
Balance at beginning of year  $3,509,367   $3,955,731   $4,188,022 
Provision for loan losses   425,000    2,400,000    3,882,409 
Loans charged off   (1,485,514)   (3,068,905)   (4,301,629)
Recoveries on loans previously charged off   707,969    222,541    186,929 
                
Balance—end of year  $3,156,822   $3,509,367   $3,955,731 

 

Activity in the allowance for loan losses by portfolio segment is summarized as follows (in thousands):

 

   For the Year Ended December, 2013
   Commercial  Commercial Real Estate  Single-family Residential  Construction & Development  Consumer  Total
                   
Beginning balance  $433   $1,853   $803   $177   $243   $3,509 
Provision for loan losses   (68)   127    361    (56)   61    425 
Loans charged-off   (22)   (710)   (554)   (30)   (169)   (1,485)
Recoveries on loans charged-off   41    451    121    35    60    708 
Ending Balance  $384   $1,721   $731   $126   $195   $3,157 

 

   For the Year Ended December, 2012
   Commercial  Commercial Real Estate  Single-family Residential  Construction & Development  Consumer  Total
                   
Beginning balance  $394   $2,206   $696   $449   $211   $3,956 
Provision for loan losses   27    1,761    646    (140)   106    2,400 
Loans charged-off   (21)   (2,138)   (625)   (136)   (149)   (3,069)
Recoveries on loans charged-off   33    24    86    4    75    222 
Ending Balance  $433   $1,853   $803   $177   $243   $3,509 

 

   For the Year Ended December, 2011
   Commercial  Commercial Real Estate  Single-family Residential  Construction & Development  Consumer  Total
                   
Beginning balance  $365   $2,616   $376   $290   $541   $4,188 
Provision for loan losses   262    1,852    1,049    932    (212)   3,883 
Loans charged-off   (262)   (2,302)   (749)   (773)   (216)   (4,302)
Recoveries on loans charged-off   29    40    20    —      98    187 
Ending Balance  $394   $2,206   $696   $449   $211   $3,956 

 

Portions of the allowance for loan losses may be allocated for specific loans or portfolio segments. However, the entire allowance for loan losses is available for any loan that, in the judgment of management, should be charged-off.

 

In determining our allowance for loan losses, we regularly review loans for specific reserves based on the appropriate impairment assessment methodology. Impaired loans are measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, or at the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent. At December 31, 2013 and 2012, substantially all of the total impaired loans were evaluated based on the fair value of the underlying collateral. General reserves are determined using historical loss trends measured over a rolling four quarter average for consumer loans, and a three year average loss factor for commercial loans which is applied to risk rated loans grouped by Federal Financial Examination Council (“FFIEC”) call code. For commercial loans, the general reserves are calculated by applying the appropriate historical loss factor to the loan pool. Impaired loans greater than a minimum threshold established by management are excluded from this analysis.   The sum of all such amounts determines our total allowance for loan losses.  

 

 

F-19
 

The allocation of the allowance for loan losses by portfolio segment was as follows (in thousands):

 

   At December 31, 2013
   Commercial  Commercial Real Estate  Single-family Residential  Construction & Development  Consumer  Total
Specific Reserves:                              
   Impaired loans  $—     $3   $—     $—     $—     $3 
   Total specific reserves   —      3    —      —      —      3 
General reserves   384    1,718    731    126    195    3,154 
Total  $384   $1,721   $731   $126   $195   $3,157 
                               
Loans individually evaluated for impairment  $—     $10,705   $360   $—     $—     $11,065 
Loans collectively evaluated for impairment   20,292    109,475    34,504    3,626    6,314    174,211 
Total  $20,292   $120,180   $34,864   $3,626   $6,314   $185,276 

 

   At December 31, 2012
   Commercial  Commercial Real Estate  Single-family Residential  Construction & Development  Consumer  Total
Specific Reserves:                              
   Impaired loans  $—     $319   $1   $—     $—     $320 
   Total specific reserves   —      319    1    —      —      320 
General reserves   433    1,534    802    177    243    3,189 
Total  $433   $1,853   $803   $177   $243   $3,509 
                               
Loans individually evaluated for impairment  $—     $17,248   $516   $278   $—     $18,042 
Loans collectively evaluated for impairment   23,510    107,991    34,007    1,535    5,913    172,956 
Total  $23,510   $125,239   $34,523   $1,813   $5,913   $190,998 

 

 

 

F-20
 

The following table presents impaired loans by class of loan (in thousands):

 

   At December 31, 2013
            Impaired Loans - With      
   Impaired Loans - With Allowance  no Allowance      
   Unpaid Principal  Recorded Investment  Allowance for Loan Losses Allocated  Unpaid Principal  Recorded Investment  Average Recorded Investment  Interest Income Recognized
Residential:                                   
   First mortgages  $—     $—     $—     $231   $231   $231   $—   
   HELOC's and equity   —      —      —      129    129    128    2 
Commercial                                   
   Secured   —      —      —      —      —      —      —   
   Unsecured   —      —      —      —      —      —      —   
Commercial Real Estate:                                   
   Owner occupied   —      —      —      10,300    7,968    8,049    534 
   Non-owner occupied   —      —      —      2,924    2,407    2,516    108 
   Multi-family   386    330    3    —      —      359    28 
Construction and Development:                                  .  
   Construction   —      —      —      —      —      —      —   
   Improved Land   —      —      —      —      —      —      —   
   Unimproved Land   —      —      —      —      —      —      —   
Consumer and Other   —      —           —      —      —      —   
Total  $386   $330   $3   $13,584   $10,735   $11,283   $672 

 

   At December 31, 2012
            Impaired Loans - With      
   Impaired Loans - With Allowance  no Allowance      
   Unpaid Principal  Recorded Investment  Allowance for Loan Losses Allocated  Unpaid Principal  Recorded Investment  Average Recorded Investment  Interest Income Recognized
Residential:                                   
   First mortgages  $—     $—     $—     $234   $230   $231   $—   
   HELOC's and equity   77    77    1    261    209    210    44 
Commercial                                   
   Secured   —      —      —      —      —      —      —   
   Unsecured   —      —      —      —      —      —      —   
Commercial Real Estate:                                   
   Owner occupied   2,856    2,856    293    7,199    7,199    10,116    480 
   Non-owner occupied   492    319    24    7,056    5,770    6,420    673 
   Multi-family   388    388    2    716    716    1,053    103 
Construction and Development:                                  .  
   Construction   —      —      —      120    121    122    55 
   Improved Land   —      —      —      418    157    169    6 
   Unimproved Land   —      —      —      —      —      —      —   
Consumer and Other   —      —           —      —      —      —   
Total  $3,813   $3,640   $320   $16,004   $14,402   $18,321   $1,361 

 

 

 

F-21
 

The following table is an aging analysis of our loan portfolio (in thousands):

 

   At December 31, 2013
   30- 59 Days Past Due  60- 89 Days Past Due  Over 90 Days Past Due  Total Past Due  Current  Total Loans Receivable  Recorded Investment > 90 Days and  Accruing  Nonaccrual
Residential:                                        
   First mortgages  $1,778   $360   $1,840   $3,978   $22,348   $26,326   $—     $3,334 
   HELOC's and equity   444    19    466    929    7,609    8,538    —      821 
Commercial:                                        
   Secured   125    —      2    127    14,906    15,033    —      2 
   Unsecured   —      —      —      —      5,259    5,259    —      —   
Commercial Real Estate:                                        
   Owner occupied   715    753    81    1,549    60,090    61,639    —      1,038 
   Non-owner occupied   38    199    286    523    43,287    43,810    —      1,550 
   Multi-family   747    —      —      747    13,984    14,731    —      330 
Construction and  Development:                                        
   Construction   477    —      —      477    2,542    3,019    —      —   
   Improved Land   —      —      —      —      242    242    —      —   
   Unimproved Land   —      —      —      —      365    365    —      —   
Consumer and Other   6    30    45    81    6,233    6,314    —      45 
Total  $4,330   $1,361   $2,720   $8,411   $176,865   $185,276   $—     $7,120 
                                         

 

   At December 31, 2012
   30- 59 Days Past Due  60- 89 Days Past Due  Over 90 Days Past Due  Total Past Due  Current  Total Loans Receivable  Recorded Investment > 90 Days and  Accruing  Nonaccrual
Residential:                                        
   First mortgages  $1,550   $957   $3,116   $5,623   $20,106   $25,729   $—     $3,721 
   HELOC's and equity   218    32    291    541    8,253    8,794    —      321 
Commercial:                                        
   Secured   24    —      5    29    16,827    16,856    —      5 
   Unsecured   5    —      —      5    6,649    6,654    —      —   
Commercial Real Estate:                                        
   Owner occupied   1,463    188    394    2,045    55,603    57,648    —      2,029 
   Non-owner occupied   353    634    3,613    4,600    50,486    55,086    —      4,355 
   Multi-family   —      —      —      —      12,505    12,505    —      —   
Construction and  Development:                                        
   Construction   767    —      —      767    222    989    —      —   
   Improved Land   —      —      120    120    331    451    —      120 
   Unimproved Land   —      —      157    157    216    373    —      157 
Consumer and Other   49    43    87    179    5,734    5,913    —      87 
Total  $4,429   $1,854   $7,783   $14,066   $176,932   $190,998   $—     $10,795 

 

Each of our portfolio segments and the classes within those segments are subject to risks that could have an adverse impact on the credit quality of our loan and lease portfolio. Management has identified the most significant risks as described below which are generally similar among our segments and classes. While the list in not exhaustive, it provides a description of the risks that management has determined are the most significant.

 

Commercial, financial and agricultural loans—We centrally underwrite each of our commercial loans based primarily upon the customer’s ability to generate the required cash flow to service the debt in accordance with the contractual terms and conditions of the loan agreement. We endeavor to gain a complete understanding of our borrower’s businesses including the experience and background of the principals. To the extent that the loan is secured by collateral, which is a predominant feature of the majority of our commercial loans, we gain an understanding of the likely value of the collateral and what level of strength the collateral brings to the loan transaction. To the extent that the principals or other parties provide personal guarantees, we analyze the relative financial strength and liquidity of each guarantor. Common risks to each class of commercial loans include risks that are not specific to individual transactions such as general economic conditions within our markets, as well as risks that are specific to each transaction including demand for products and services, personal events such as disability or change in marital status, and reductions in the value of our collateral. Due to the concentration of loans in the metro Atlanta and Birmingham areas, we are susceptible to changes in market and economic conditions of these areas.

 

F-22
 

Consumer—The installment loan portfolio includes loans secured by personal property such as automobiles, marketable securities, other titled recreational vehicles and motorcycles, as well as unsecured consumer debt. The value of underlying collateral within this class is especially volatile due to potential rapid depreciation in values since date of loan origination in excess of principal repayment.

 

Commercial Real Estate—Real estate commercial loans consist of loans secured by multifamily housing, commercial non-owner and owner occupied and other commercial real estate loans. The primary risk associated with multifamily loans is the ability of the income-producing property that collateralizes the loan to produce adequate cash flow to service the debt. High unemployment or generally weak economic conditions may result in our customer having to provide rental rate concessions to achieve adequate occupancy rates. Commercial owner-occupied and other commercial real estate loans are primarily dependent on the ability of our customers to achieve business results consistent with those projected at loan origination resulting in cash flow sufficient to service the debt. To the extent that a customer’s business results are significantly unfavorable versus the original projections, the ability for our loan to be serviced on a basis consistent with the contractual terms may be at risk. These loans are primarily secured by real property and can include other collateral such as personal guarantees, personal property, or business assets such as inventory or accounts receivable, it is possible that the liquidation of the collateral will not fully satisfy the obligation. Also, due to the concentration of loans in the metro Atlanta and Birmingham areas, we are susceptible to changes in market and economic conditions of these areas.

 

Single-Family Residential—Real estate residential loans are to individuals and are secured by 1-4 family residential property. Significant and rapid declines in real estate values can result in residential mortgage loan borrowers having debt levels in excess of the current market value of the collateral. Such a decline in values has led to unprecedented levels of foreclosures and losses during 2008-2012 within the banking industry.

 

Construction and Development—Real estate construction loans are highly dependent on the supply and demand for residential and commercial real estate in the markets we serve as well as the demand for newly constructed commercial space and residential homes and lots that our customers are developing. Continuing deterioration in demand could result in significant decreases in the underlying collateral values and make repayment of the outstanding loans more difficult for our customers. Real estate construction loans can experience delays in completion and cost overruns that exceed the borrower’s financial ability to complete the project. Such cost overruns can routinely result in foreclosure of partially completed and unmarketable collateral.

 

Risk categories—The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. Loans classified as substandard or special mention are reviewed quarterly by the Company for further deterioration or improvement to determine if appropriately classified and impairment, if any. All other loan relationships greater than $750,000 are reviewed at least annually to determine the appropriate loan grading. In addition, during the renewal process of any loan, as well as if a loan becomes past due, the Company will evaluate the loan grade.

 

F-23
 

Loans excluded from the scope of the annual review process above are generally classified as pass credits until: (a) they become past due; (b) management becomes aware of deterioration in the credit worthiness of the borrower; or (c) the customer contacts the Company for a modification. In these circumstances, the loan is specifically evaluated for potential classification as to special mention, substandard or even charged off. The Company uses the following definitions for risk ratings:

 

Special Mention Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution's credit position at some future date.

 

Substandard Loans classified as substandard are inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

 

 

F-24
 

The following table presents our loan portfolio by risk rating (in thousands):

 

   At December 31, 2013
   Total  Pass Credits  Special Mention  Substandard  Doubtful
Single-Family Residential:                         
    First mortgages  $26,326   $24,126   $—     $2,200   $—   
    HELOC's and equity   8,538    7,686    22    728    102 
Commercial, financial, and agricultural:                         
    Secured   15,033    15,009    —      24    —   
    Unsecured   5,259    5,259    —      —      —   
Commercial Real Estate:                         
    Owner occupied   61,639    50,921    5,929    4,789    —   
    Non-owner occupied   43,810    40,482    819    2,509    —   
    Multi-family   14,731    13,704    647    380    —   
Construction and Development:                         
    Construction   3,019    3,019    —      —      —   
    Improved Land   242    197    —      45    —   
    Unimproved Land   365    —      —      365    —   
Consumer   6,314    6,224    —      90    —   
     Total  $185,276   $166,627   $7,417   $11,130   $102 

 

   At December 31, 2012
   Total  Pass Credits  Special Mention  Substandard  Doubtful
Single-Family Residential:                         
    First mortgages  $25,729   $21,656   $—     $4,073   $—   
    HELOC's and equity   8,794    7,745    583    466    —   
Commercial, financial, and agricultural:                         
    Secured   16,856    16,788    37    31    —   
    Unsecured   6,654    5,456    1,185    13    —   
Commercial Real Estate:                         
    Owner occupied   57,648    44,252    9,551    3,845    —   
    Non-owner occupied   55,086    45,127    3,248    6,711    —   
    Multi-family   12,505    10,636    1,413    456    —   
Construction and Development:                         
    Construction   989    869    120    —      —   
    Improved Land   451    245    —      206    —   
    Unimproved Land   373    —      —      373    —   
Consumer   5,913    5,801    —      87    25 
     Total  $190,998   $158,575   $16,137   $16,261   $25 

 

As a result of adopting the amendments in ASU 2011-02, the Bank reassessed all restructurings that occurred on or after the beginning of the year of adoption (January 1, 2011) to determine whether they are considered TDRs under the amended guidance.  The Bank identified as TDRs certain loans for which the allowance for loan losses had previously been measured under a general allowance methodology. Upon identifying those loans as TDRs, the Bank identified them as impaired under the guidance in ASC 310-10-35. The amendments in ASU 2011-02 require prospective application of the impairment measurement guidance in ASC 310-10-35 for those loans newly identified as impaired. As of December 31, 2013, the Company did not identify any loans as TDRs under the amended guidance for which the loan was previously measured under a general allowance methodology.

 

F-25
 

During the year ended December 31, 2013, the Bank modified 11 loans that were considered to be troubled debt restructurings. We extended the terms on 4 loans and decreased the interest rate on 7 loans (dollar in thousands).

 

   December 31, 2013
   Number of Loans  Pre-Modification Recorded Investment  Post-Modification Recorded Investment
Troubled Debt Restructurings         
Residential:               
HELOC's and equity   5   $339   $340 
Commercial Real Estate:               
Owner occupied   3    408    414 
Non-owner occupied   3    766    740 
Total   11   $1,513   $1,494 

 

During the year ended December 31, 2012, the Bank modified 8 loans that were considered to be troubled debt restructurings. We extended the terms and decreased the interest rate on 8 loans (dollar in thousands).

 

   December 31, 2012
   Number of Loans  Pre-Modification Recorded Investment  Post-Modification Recorded Investment
Troubled Debt Restructurings         
Residential:               
Residential mortgages   2   $412   $424 
Commercial Real Estate:               
Owner occupied   5    4,442    4,428 
Non-owner occupied   1    114    113 
Total   8   $4,968   $4,965 

 

During 2013 and 2012, one loan that had previously been restructured within the previous twelve months was in default.

In the determination of the allowance for loan losses, management considers troubled debt restructurings and subsequent defaults in these restructurings by performing the usual process for all loans in determining the allowance for loan loss. The Company considers a default as failure to comply with the restructured loan agreement. This would include the restructured loan being past due greater than 90 days, failure to comply with financial covenants, or failure to maintain current insurance coverage or real estate taxes after the loan restructured date. 

F-26
 

4.       PREMISES AND EQUIPMENT

Premises and equipment are summarized as follows:

   December 31,
   2013  2012
       
Land  $2,250,250   $2,250,250 
Buildings and improvements   7,672,526    7,606,772 
Furniture and equipment   9,101,730    9,000,496 
    19,024,506    18,857,518 
Less accumulated depreciation   12,435,342    11,901,379 
           
   $6,589,164   $6,956,139 

 

Depreciation expense amounted to $616,000, $660,000 and $710,000 for the years ended December 31, 2013, 2012, and 2011, respectively.

 

5.       DEPOSITS

 

The following is a summary of interest-bearing deposits:

   December 31,
   2013  2012
       
NOW and money market accounts  $92,793,796   $92,671,544 
Savings accounts   31,947,780    32,770,028 
Time deposits of $100,000 or more   107,489,990    121,223,645 
Other time deposits   33,588,990    34,585,918 
           
   $265,820,556   $281,251,135 

 

The Company participates in the Certificate of Deposit Account Registry Services (“CDARS”), a program that allows its customers the ability to benefit from the FDIC insurance coverage on their time deposits over the $250,000 limit. The Company had $22,374,841 and $14,963,966 in CDARS deposits at December 31, 2013 and 2012, respectively.

At December 31, 2013, maturities of time deposits are approximately as follows:

2014  $97,657,485 
2015   6,694,099 
2016   6,773,570 
2017   19,125,750 
2018 and thereafter   10,828,076 
   $141,078,980 

 

6.OTHER BORROWINGS

Federal Home Loan Bank Advances— In August 2006, the Company received an Affordable Housing Program Award in the amount of $400,000. The AHP is a principal reducing credit with an interest rate of zero, and at December 31, 2013 and 2012 had a remaining balance of approximately $273,000 and $292,000, respectively. These advances are collateralized by FHLB stock, a blanket lien on the Bank’s 1-4 family mortgages, and certain commercial real estate loans and investment securities. As of December 31, 2013 and 2012, total loans pledged as collateral were$33,186,000 and $25,087,000, respectively.

F-27
 

As of December 31, 2013 and 2012, maturities of the Company's Federal Home Loan Bank Advances are approximately as follows:

 

          December 31,          
Maturity       Rate                                   2013   2012
               
August-2026 (1) N/A   $ 273,079 $ 291,697

 

(1) Represents an Affordable Housing Program (AHP) award used to subsidize loans for homeownership or rental initiatives. The AHP is a principal reducing credit, scheduled to mature on August 17, 2026 with an interest rate of zero.

 

At December 31, 2013, the Company has a $78.3 million line of credit facility at the FHLB of which $20.3 million was outstanding consisting of an advance of $273,000 and a letter of credit to secure public deposits in the amount of $20.0 million. The Company also had $17.7 million of borrowing capacity at the Federal Reserve Bank discount window.

 

 

7.       INCOME TAXES

 

The components of income tax expense consist of:

   2013  2012  2011
          
Current tax expense (benefit)  $49,090   $(86,388)  $675,212 
Deferred tax expense (benefit)   (199,896)   (814,682)   (1,757,769)
                
Total income tax (benefit)  $(150,806)  $(901,070)  $(1,082,557)

 

Income tax expense for the years ended December 31, 2013, 2012, and 2011 differed from the amounts computed by applying the statutory federal income tax rate of 34% to earnings before income taxes as follows:

   2013  2012  2011
          
Income tax expense at statutory rate  $407,309   $(44,963)  $(276,737)
Tax-exempt interest income—net of disallowed interest expense   (515,458)   (593,130)   (593,502)
Cash surrender value of life insurance income   (111,736)   (205,634)   (125,420)
Other—net   69,079    (57,343)   (86,898)
                
           Income tax (benefit)  $(150,806)  $(901,070)  $(1,082,557)

 

 

In 2013, the valuation allowance increased by $39,760.

 

F-28
 

The tax effects of temporary differences that give rise to significant amounts of deferred tax assets and deferred tax liabilities are presented below:

 

   2013  2012
Deferred tax assets:          
  Net operating losses and credits  $3,249,677   $1,114,223 
  Loans, principally due to difference in allowance for loan losses and deferred loan fees   826,499    1,207,696 
  Nonaccrual loan interest   55,364    1,096,904 
  Postretirement benefit accrual, deferred compensation   1,140,791    1,073,002 
  Net unrealized loss on securities available for sale    557,165    —   
  Other real estate owned   610,821    808,479 
  Other   685,120    1,213,850 
           Gross deferred tax asset   7,125,437    6,514,154 
  Valuation allowance   (168,234)   (128,474)
           
           Total  deferred tax assets   6,957,203    6,385,680 
           
Deferred tax liabilities:          
  Net unrealized gain on securities available for sale   —      1,399,858 
  Purchased loan discount   34,209    68,417 
  Premises and equipment   165,493    364,990 
  Other   121,217    73,050 
           
           Total deferred tax liabilities   320,919    1,906,315 
           
           Net deferred tax assets  $6,636,284   $4,479,365 

 

The Company has, at December 31, 2013, net operating loss carryforwards of approximately $7,097,849 for federal income tax purposes and $5,042,011 for state income tax purposes, which begin to expire in the year 2016. The Company also has certain state income tax credits of $387,313 at December 31, 2013 which begins to expire in the year 2014. Due to the uncertainty relating to the realizability of all the carryforwards and credits, management currently considers it more likely than not that all related deferred tax assets will not be realized; thus, a $168,234 valuation allowance has been provided against state tax carry forwards totaling $4,248,345.

Tax returns for 2010 and subsequent years are subject to examination by taxing authorities.

The Company believes that its income tax filing positions taken or expected to be taken in its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company’s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded.

8.EMPLOYEE BENEFITS

Defined Contribution Plan—The Company sponsors a defined contribution 401(k) plan covering substantially all full-time employees. Employee contributions are voluntary. The Company matches 50% of the employee contributions up to a maximum of 6% of compensation. During the years ended December 31, 2013, 2012 and 2011, the Company recognized$96,000, $98,000 and$105,000, respectively, in expenses related to this plan. The Bank previously had Post Retirement Benefit Plans that provide retirement benefits to certain officers, board members, certain former officers and former board members. The Bank also has a Life Insurance Endorsement Method Split Dollar Plan (“Split Dollar Life Insurance Plan”) for the same participants which provide death benefits for their designated beneficiaries through an endorsement of a portion of the death benefit otherwise payable to the Bank. Under the Post Retirement Benefit and Split Dollar Life Insurance Plans ("The Plans"), the Board purchased life insurance contracts on certain participants. During 2008, the Bank discontinued participation in The Plans and converted certain key officers and active board members into a defined Supplemental Retirement Benefit Plans (“SERP”) and certain key officers into a Life Insurance Bonus Plan. Certain other participants were paid-out with eight participants remaining in The Plans.

F-29
 

The increase in cash surrender value for the contracts on those participants remaining in the Post Retirement Benefit Plan, less the Bank’s premiums, constitutes the Bank’s contribution to the Post Retirement Benefit Plans each year. In the event the insurance contracts fail to produce positive returns, the Bank has no obligation to contribute to the Post Retirement Benefit Plan. At December 31, 2013 and 2012, the cash surrender value of these insurance contracts was$9,948,000 and $9,619,000, respectively.

During 2009, the Company converted the Post Retirement Benefit Plan for its key officers and active Board members into the SERP. For the SERP and the Post Retirement Benefit Plans, the Company recognized $336,000, $365,000, and $376,000 in 2013, 2012 and 2011, respectively, in noninterest expenses. The Company recognized $329,000, $342,000, and $366,000 in 2013, 2012 and 2011, respectively, in noninterest income related to the insurance contracts. Upon completion of the conversion, most key officers and active Board members participating in the Split Dollar Life Insurance Plan surrendered their interest in the death benefit portion of the plan. In exchange for relinquishing the postretirement death benefit, the Company implemented a Life Insurance Bonus Plan ("The Bonus Plan") for most key officers to provide death benefits for their designated beneficiaries. The Company pays the participating officers an annual compensation amount to pay the annual premiums on the insurance policies. The Company incurred $46,000,$65,000, and $78,000 in expenses related to the Bonus Plan in 2013, 2012 and 2011, respectively.

 

9.COMMITMENTS AND CONTINGENCIES

Credit Commitments and Commercial Letters—The Company, in the normal course of business, is a party to financial instruments with off-balance sheet risk used to meet the financing needs of its customers. These financial instruments include commitments to extend credit and commercial letters of credit.

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, and residential and commercial real estate. Commercial letters of credit are commitments issued by the Company to guarantee funding to a third party on behalf of a customer. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The contract amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments.

The Company’s exposure to credit loss in the event of nonperformance by the other party of the financial instrument for commitments to extend credit and commercial letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations related to off-balance sheet financial instruments as it does for the financial instruments recorded in the Consolidated Balance Sheets.

   Approximate
   Contractual Amount
   2013  2012
       
Financial instruments whose contract amounts represent credit risk:          
Commitments to extend credit  $26,313,000   $24,335,000 
Commercial letters of credit   2,125,000    2,218,000 

 

F-30
 

Leases—The Company leases its main office and a branch location. The main office lease commenced on October 26, 2006 and has a 10 year term. The lease requires monthly payments starting at $29,466 for the first year, increasing 3% per year thereafter. The lease is renewable at the bank’s option for one five year term. The branch lease commenced on June 1, 2007 and has a 7 year term. The lease requires monthly payments of $5,500 for four years and monthly lease payments of $6,000 for three years. The lease is renewable at the bank’s option for two five year terms. In October 2013, the Company exercised its first option to renew the branch lease for five years. The renewed lease requires monthly payments of $6,300 for three years and monthly lease payments of $6,772 for two years commencing on June 1, 2014. As of December 31, 2013, future minimum lease payments under all noncancelable lease agreements inclusive of sales tax and maintenance costs for the next five years and thereafter are as follows:

2014  $541,972 
2015   551,831 
2016   440,869 
2017   78,908 
2018 and Thereafter   162,540 
      
   $1,776,120 

 

Rent expense in 2013, 2012, and 2011 was approximately $542,000, $523,000, and $495,000, respectively.

 

Legal—During 2007, legal fees were awarded in the amount of $200,000 related to a case brought to conclusion in 2006 in which a $100,000 judgment was levied against the Company. The Company accrued for these losses in the respective year of the judgments. On March 14, 2008, the Court of Appeals of Georgia reversed the trial court and granted the Company a new trial on the compensatory damages. During August 2013, a bench trial was held on the compensatory damages. As of March 31, 2014, the Court has not rendered a judgment. Other than that discussed above, the Company and the Bank are involved in various claims and legal actions arising in the ordinary course of business. In the opinion of management, based in part on the advice of counsel, the ultimate disposition of these matters will not have a material adverse impact on the Company’s Consolidated Financial Statements.

 

10.STOCK OPTIONS

The Company has a Stock Incentive Plan which was approved in 1999. Under the 1999 Stock Incentive Plan, options are periodically granted to employees at a price not less than fair market value of the shares at the date of grant (or less than 110% of the fair market value if the participant owns more than 10% of the Company’s outstanding Common Stock). The term of the stock incentive option may not exceed ten years from the date of grant; however, any stock incentive option granted to a participant who owns more than 10% of the Common Stock will not be exercisable after the expiration of five (5) years after the date the option is granted.

F-31
 

A summary of the status of the Company’s stock options as of December 31, 2013, 2012, and 2011, and changes during the years ended on those dates is presented below:

 

 

 

   2013  2012  2011
         Weighted               
      Weighted  Average        Weighted     Weighted
      Average  Remaining  Aggregate     Average     Average
      Exercise  Contractual  Intrinsic     Exercise     Exercise
   Shares  Price  Life  Value  Shares  Price  Shares  Price
                         
Outstanding—beginning of year   89,877   $10.58    3.97         103,553   $10.20    110,053   $10.17 
                                         
Granted   —      —                —      —      —      —   
                                         
Exercised   —      —                —      —      —      —   
                                         
Expired/Terminated   (40,600)   10.71              (13,676)   7.74    (6,500)   9.70 
                                         
Outstanding—end of year   49,277   $10.47    3.18   $—      89,877   $10.58    103,553   $10.20 
                                         
Options exercisable at year-end   49,277   $10.47    3.18   $—      89,877   $10.58    103,553   $10.20 
                                         
Shares available for grant   266,309                   229,209         219,033      

 

The Company’s unvested options vested in 2011. The total fair value of the options vested during 2011 was $26,000. There was no compensation cost recognized during 2013,2012, and 2011.

 

F-32
 
11.NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE

Basic and diluted net income per common and potential common share has been calculated based on the weighted average number of shares outstanding. Options that are potentially dilutive are deemed not to be dilutive for 2013, 2012 and 2011 due to the exercise price of all options being greater than the average market price of the Company’s stock during those years. As of December 31, 2013, 2012, and 2011 there were 49,277, 89,877, and 103,553 potentially dilutive options outstanding, respectively. The following schedule reconciles the numerators and denominator of the basic and diluted net income per common and potential common share for the years ended December 31, 2013, 2012, and 2011.

   Net Income  Shares  Per Share
   (Numerator)  (Denominator)  Amount
          
Year ended December 31, 2013               
                
Basic earnings per share available to common stockholders  $1,111,953    2,152,780   $0.52 
Nonvested restricted stock grant   —      12,830    (0.01)
Effect of dilutive securities: options to purchase common shares   —      —      —   
Diluted earnings per share  $1,111,953    2,165,610   $0.51 
                
Year ended December 31, 2012               
                
Basic earnings per share available to common stockholders  $532,003    2,157,732   $0.25 
Nonvested restricted stock grant   —      7,664    —   
Effect of dilutive securities: options to purchase common shares   —      —      —   
Diluted earnings per share  $532,003    2,165,396   $0.25 
                
Year ended December 31, 2011               
                
Basic earnings per share available to common stockholders  $31,806    2,120,366   $0.02 
Nonvested restricted stock grant   —      13,822    —   
Effect of dilutive securities: options to purchase common shares   —      —      —   
Diluted earnings per share  $31,806    2,134,188   $0.02 

 

12.FAIR VALUE OF FINANCIAL INSTRUMENTS

The Company measures or monitors certain of its assets and liabilities on a fair value basis. Fair value is used on a recurring basis for assets and liabilities that are elected to be accounted for under ASC guidance as well as certain assets and liabilities in which fair value is the primary basis of accounting. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value, which are in accordance with the guidance for determining the fair value of a financial asset when the market for that asset is not active.

 

In accordance with ASC guidance, the Company applied the following fair value hierarchy:

 

Level 1—Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as U.S. Treasury and other highly liquid investments that are actively traded in over-the-counter markets.

 

F-33
 

Level 2—Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. This category generally includes U.S. Government and agency mortgage-backed debt securities, certain derivative contracts and impaired loans.

 

Level 3—Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. For example, this category generally includes certain private equity investments, retained residual interests in securitizations, residential mortgage servicing rights, and highly structured or long-term derivative contracts.

 

Investment Securities Available for Sale—Investment securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange such as the New York Stock Exchange, Treasury securities that are traded by dealers or brokers in active over-the counter markets and money market funds. Level 2 securities include mortgage backed securities issued by government sponsored entities, municipal bonds and corporate debt securities. Securities classified as Level 3 include asset-backed securities in less liquid markets.

 

Other Real Estate Owned— Assets acquired through or instead of loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. The fair value of other real estate owned is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. In addition, the Company may further adjust an appraised amount given its knowledge of a specific property or market.

 

Loans—The Company does not record loans at fair value on a recurring basis, however, from time to time, a loan is considered impaired and an allowance for loan loss is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan are considered impaired. Once a loan is identified as individually impaired, management determines the amount of the impairment. The fair value of impaired loans is estimated using one of several methods, including the collateral value, market value of similar debt, and discounted cash flows. Those impaired loans not requiring a specific allowance represent loans for which the fair value of expected repayments or collateral exceed the recorded investment in such loans. At December 31, 2013 and December 31, 2012, substantially all of the impaired loans were evaluated based upon the fair value of the collateral. Impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. The fair value of collateral dependent impaired loans is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. In addition, the Company may further adjust an appraised amount given its knowledge of a specific property or market. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

F-34
 

The following tables present financial assets measured at fair value on a recurring and nonrecurring basis and the change in fair value for those specific financial instruments in which fair value has been elected. There were no financial liabilities measured at fair value for the periods being reported (in thousands):

 

   Fair Value Measurements at December 31, 2013
      Quoted Prices      
      In Active  Significant   
      Markets for  Other  Significant
   Assets  Identical  Observable  Unobservable
   Measured at  Assets  Inputs  Inputs
   Fair Value  (Level 1)  (Level 2)  (Level 3)
Recurring Basis:                    
Assets                    
Securities available for sale:                    
State, county, and municipal securities  $34,802   $—     $34,802   $—   
Mortgage-backed securities   96,267    —      96,267    —   
Corporate securities   9,976    —      9,976    —   
    141,045         141,045      
                     
Nonrecurring Basis:                    
Assets                    
Collateral dependent impaired loans:                    
   Commercial Real Estate  $10,702   $—     $—     $10,702 
   Single-family Residential   360    —      —      360 
Other real estate owned   7,404    —      —      7,404 
    18,466              18,466 

 

   Fair Value Measurements at December 31, 2012
      Quoted Prices      
      In Active  Significant   
      Markets for  Other  Significant
   Assets  Identical  Observable  Unobservable
   Measured at  Assets  Inputs  Inputs
   Fair Value  (Level 1)  (Level 2)  (Level 3)
Recurring Basis:                    
Assets                    
Securities available for sale:                    
State, county, and municipal securities  $39,864   $—     $39,864   $—   
Mortgage-backed securities   80,248    —      80,248    —   
Corporate securities   9,754    —      9,754    —   
    129,866         129,866      
                     
Nonrecurring Basis:                    
Assets                    
Collateral dependent impaired loans:                    
   Commercial Real Estate  $16,929   $—     $—     $16,929 
   Single-family Residential   515    —      —      515 
   Construction and Development   278    —      —      278 
Other real estate owned   8,195    —      —      8,195 
    25,917              25,917 

 

F-35
 

For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of December 31, 2013, the significant unobservable inputs used in the fair value measurements were as follows (dollars in thousands):

 

 

  Fair Value at   Valuation   Unobservable    
(dollars in thousands) December 31, 2013   Technique   Inputs   Range
Collateral dependent impaired Loans:              
Commercial Real Estate  $                      10,702   Appraised Value   Negative adjustment for selling costs and changes in market conditions since appraisal   5% - 20%
               
Single-family Residential  $                           360   Appraised Value   Negative adjustment for selling costs and changes in market conditions since appraisal   5% - 20%
               
OREO  $                        7,404   Appraised Value   Negative adjustment for selling costs and changes in market conditions since appraisal   5% - 20%

 

Following are disclosures of fair value information about financial instruments, whether or not recognized on the balance sheet, for which it is practicable to estimate that value. The assumptions used in the estimation of the fair values are based on estimates using discounted cash flows and other valuation techniques. The use of discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following disclosures should not be considered an estimate of the liquidation value of the Company, but rather a good-faith estimate of the increase or decrease in the value of financial instruments held by the Company since purchase, origination, or issuance.

 

Cash, Due from Banks, Federal Funds Sold, Interest-Bearing Deposits with Banks and Certificates of Deposits—Fair value equals the carrying value of such assets due to their nature and is classified as Level 1.

 

Investment Securities—Fair value of investment securities is based on quoted market prices and is classified as Level 2.

 

Other Investments—The carrying amount of other investments approximates its fair value and is classified as Level 1.

 

Loans—The fair value of fixed rate loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings resulting in a Level 3 classification. For variable rate loans, the carrying amount is a reasonable estimate of fair value. The methods utilized to estimate the fair values of loans do not necessarily represent an exit price. The carrying amount of related accrued interest receivable, due to its short-term nature, approximates its fair value, is not significant and is not disclosed.

 

Cash Surrender Value of Life Insurance—Cash values of life insurance policies are carried at the value for which such policies may be redeemed for cash and are classified as Level 1.

 

F-36
 

Deposits—The fair value of demand deposits, savings accounts, and certain money market deposits is the amount payable on demand at the reporting date. The fair value of fixed rate certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities and is classified as Level 2.

 

Advances from Federal Home Loan Bank—The fair values of advances from the Federal Home Loan Bank are estimated by discounting the future cash flows using the rates currently available to the Bank for debt with similar remaining maturities and terms and are classified as Level 2.

 

Commitments to Extend Credit and Commercial Letters of Credit—Because commitments to extend credit and commercial letters of credit are made using variable rates, or are recently executed, the contract value is a reasonable estimate of fair value.

 

Limitations—Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on many judgments. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments; for example, premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

 

The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of December 31, 2013 (in thousands):

   December 31, 2013
   Carrying  Fair Value Measurements
   Amount  Total  Level 1  Level 2  Level 3
Financial assets:                         
  Cash and due from banks   6,340    6,340    6,340    —      —   
  Interest-bearing deposits with banks   22,827    22,827    22,827    —      —   
  Certificates of deposit   350    350    350    —      —   
  Investment securities   141,285    141,285    —      141,285    —   
  Other investments   874    874    874    —      —   
  Loans—net   182,119    183,150    —      —      183,150 
  Cash surrender value of life insurance   9,948    9,948    9,948    —      —   
                          
Financial liabilities:                         
  Deposits   336,962    337,768    195,884    141,884    —   
  Advances from Federal Home Loan Bank   273    273    —      273    —   
                          
                          
     Notional      Estimated                 
     Amount      Fair Value                 
                          
Off-balance-sheet financial instruments:                         
  Commitments to extend credit   26,313    —                  
  Commercial letters of credit   2,125    —                  

 

F-37
 

The carrying values and estimated fair values of the Company’s financial instruments at December 31, 2012 are as follows:

   December 31, 2012
   Carrying  Fair Value Measurements
   Amount  Total  Level 1  Level 2  Level 3
Financial assets:                         
  Cash and due from banks   5,384    5,384    5,384    —      —   
  Interest-bearing deposits with banks   34,803    34,803    34,803    —      —   
  Certificates of deposit   100    100    100    —      —   
  Investment securities   131,222    131,245    —      131,245    —   
  Other investments   995    995    995    —      —   
  Loans—net   187,489    188,233    —      —      188,233 
  Cash surrender value of life insurance   9,619    9,619    9,619    —      —   
                          
Financial liabilities:                         
  Deposits   340,593    341,032    184,784    156,248    —   
  Advances from Federal Home Loan Bank   292    292    —      292    —   
                          
                          
    Notional     Estimated                 
    Amount     Fair Value                 
                          
Off-balance-sheet financial instruments:                         
  Commitments to extend credit   24,335    —                  
  Commercial letters of credit   2,218    —                  

 

13.STOCKHOLDERS’ EQUITY

Capital Adequacy—The Company and the Bank are subject to various regulatory capital requirements administered by state and federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2013, the Company meets all capital adequacy requirements to which it is subject.

As of December 31, 2013, the Bank was considered “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized,” the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table.

 

F-38
 

The Company’s and the Bank’s actual capital amounts and ratios are also presented in the table below (in thousands):

               To Be Well
         For Capital  Capitalized Under
         Adequacy  Prompt Corrective
   Actual  Purposes  Action Provisions
   Amount  Ratio  Amount  Ratio  Amount  Ratio
                   
As of December 31, 2013                              
                               
Total capital (to risk weighted assets):                              
Consolidated  $44,601    19%  $18,768    8%     N/A        N/A   
Bank   44,376    19%   18,779    8%  $23,473    10%
                               
Tier I capital (to risk weighted assets):                              
Consolidated   41,665    18%   9,384    4%     N/A        N/A   
Bank   41,441    18%   9,389    4%   14,084    6%
                               
Tier I capital (to average assets):                              
Consolidated   41,665    11%   15,600    4%     N/A        N/A   
Bank   41,441    11%   15,634    4%   19,543    5%
                               
As of December 31, 2012                              
                               
Total capital (to risk weighted assets):                              
Consolidated  $44,422    19%  $19,038    8%     N/A        N/A   
Bank   44,099    19%   19,019    8%  $23,774    10%
                               
Tier I capital (to risk weighted assets):                              
Consolidated   41,441    17%   9,519    4%     N/A        N/A   
Bank   41,121    17%   9,510    4%   14,265    6%
                               
Tier I capital (to average assets):                              
Consolidated   41,441    11%   15,455    4%     N/A        N/A   
Bank   41,121    11%   15,447    4%   19,309    5%

 

Dividend Limitation—The amount of dividends paid by the Bank to the Company or paid by the Company to its shareholders is limited by various banking regulatory agencies. Any such dividends will be subject to maintenance of required capital levels. The Georgia Department of Banking and Finance must approve dividend payments that would exceed 50% of the Bank’s net income for the prior year to the Company.

When the Company received a capital investment from the United States Department of the Treasury in exchange for Preferred Stock under the Troubled Assets Relief Program (“TARP”) Capital Purchase Program on March 6, 2009, the Company became subject to additional limitations on the payment of dividends. These limitations require, among other things, that for as long as the Preferred Stock is outstanding, no dividends may be declared or paid on the Company’s common stock until all accrued and unpaid dividends on the Preferred Stock are fully paid. In addition, the U.S. Treasury’s consent is required for any increase in dividends on common stock before the third anniversary of issuance of the Preferred Stock.

F-39
 

The Company paid dividends of $172,000 and $169,000 on its common stock in 2013 and 2012, respectively. The annual dividend payout rate was $0.08 per common share in 2013 and 2012. In addition, the Company paid cash dividends totaling $237,000 in 2013 and 2012, respectively, on its preferred stock issued to the Treasury.

 

 

14.RELATED-PARTY TRANSACTIONS

Certain of the Company’s directors, officers, principal stockholders, and their associates were customers of, or had transactions with, the Company or the Bank in the ordinary course of business during 2013 and 2012. Some of the Company’s directors are directors, officers, trustees, or principal securities holders of corporations or other organizations that also were customers of, or had transactions with, the Company or the Bank in the ordinary course of business during 2013 and 2012.

All outstanding loans and other transactions with the Company’s directors, officers, and principal shareholders were made in the ordinary course of business on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons and, when made, did not involve more than the normal risk of collectibility or present other unfavorable features.

The following table summarizes the activity in these loans during 2013 and 2012:

   Years Ended December 31,
   2013  2012
       
Balance at beginning of year  $11,799,716   $12,073,831 
  New loans   6,517,864    1,339,485 
  Repayments   (3,795,396)   (1,613,600)
           
Balance—end of year  $14,522,184   $11,799,716 

 

Deposits by directors and executive officers of the Company and the Bank, and associates of such persons, totaled $6,294,099 and $6,487,889 at December 31, 2013 and 2012, respectively.

 

 

F-40
 
15.SUPPLEMENTARY INCOME STATEMENT INFORMATION

Components of other operating expenses in excess of 1% of total interest income and other income in any of the respective years are approximately as follows:

   For the years ended
   2013  2012  2011
          
Professional services—legal  $438,208   $457,422   $596,841 
Professional services—other   723,505    537,527    561,831 
Stationery and supplies   200,116    229,104    204,082 
Advertising   154,389    132,700    151,765 
Data processing   664,240    623,156    529,359 
ATM charges   167,728    200,314    219,069 
Telephone   305,279    307,374    304,156 
FDIC insurance premium   533,447    652,515    647,804 
Amortization of core deposit intangible   471,918    471,918    471,918 
Security and protection expense   389,614    420,707    469,576 
Other benefit expenses   336,066    365,409    375,548 
Other miscellaneous expenses   1,584,134    1,487,643    1,495,308 
                
   $5,968,644   $5,885,789   $6,027,257 

 

16.CONDENSED FINANCIAL INFORMATION OF CITIZENS BANCSHARES CORPORATION (PARENT ONLY)
   December 31,  December 31,
   2013  2012
Balance Sheets          
Assets:          
  Cash  $9,837   $204,166 
  Investment in Bank   46,083,430    48,834,169 
  Other assets   321,609    229,252 
           
   $46,414,876   $49,267,587 
Liabilities and stockholders’ equity:          
  Total  liabilities  $107,084   $113,482 
  Stockholders’ equity   46,307,792    49,154,105 
           
   $46,414,876   $49,267,587 

 

F-41
 
   For the Years Ended December 31,
   2013  2012  2011
Statements of Income               
                
Dividends from subsidiary  $500,000   $—     $—   
Other revenue   —      3,113    —   
Total revenue  $500,000   $3,113   $—   
                
Total expenses   291,771    412,512    249,311 
                
Income (loss) before income tax benefit and equity in undistributed earnings of the subsidiary   208,229    (409,399)   (249,311)
                
Income tax benefit   92,356    143,314    84,769 
                
Income (loss) before equity in undistributed earnings of the subsidiary   300,585    (266,085)   (164,542)
                
Equity in undistributed earnings of the subsidiary   1,048,188    1,034,908    433,168 
                
Net income   1,348,773    768,823    268,626 

 

  

F-42
 
   Years Ended December 31,
   2013  2012  2011
Statements of Cash Flows               
                
Cash flows from operating activities—               
  Net income  $1,348,773   $768,823   $268,626 
Adjustments to reconcile net income to               
  net cash provided by (used in) operating activities:               
  Equity in undistributed earnings of the subsidiary   (1,048,188)   (1,034,908)   (433,168)
  Restricted stock based compensation plan   (106,829)   139,062    5,062 
  Change in other assets   (92,357)   (143,313)   (21,895)
  Change in other liabilities   (6,398)   86,636    (22,585)
Net cash provided by (used in) operating activities   95,001    (183,700)   (203,960)
                
Cash flows from financing activities:               
  Common stock dividend paid   (171,744)   (169,242)   (168,663)
  Preferred stock dividend paid   (236,820)   (236,820)   (236,820)
  Net purchase of treasury stock   (61,423)   (9,815)   (5,372)
  Proceeds from issuance of common stock   180,657    35,890    16,001 
Net cash used in financing activities   (289,330)   (379,987)   (394,854)
                
Net change in cash   (194,329)   (563,687)   (598,814)
                
Cash:               
  Beginning of year   204,166    767,853    1,366,667 
  End of year  $9,837   $204,166   $767,853 
                
Supplemental disclosures of cash flow information:               
  Cash paid during the year for:               
    Interest  $—     $—     $—   
    Income taxes  $26,000   $27,615   $8,000 

 

F-43
 
17.QUARTERLY FINANCIAL DATA (UNAUDITED)

The following table presents the Company’s quarterly financial data for the years ended December 31, 2013 and 2012 (amounts in thousands, except per share amounts):

 

   First  Second  Third  Fourth
   Quarter  Quarter  Quarter  Quarter
   2013  2013  2013  2013
             
Interest Income  $3,273   $3,429   $3,482   $3,582 
Interest expense   235    232    224    212 
Net Interest income   3,038    3,197    3,258    3,370 
                     
Provision for loan losses   225    50    175    (25)
Non-interest income   1,237    1,199    1,059    986 
Non-interest expense   3,813    4,101    3,801    4,006 
Income before income taxes   237    245    341    375 
                     
Income tax expense (benefit)   (35)   (26)   11    (101)
                     
Net income    272    271    330    476 
                     
Preferred dividends   59    59    59    60 
                     
Net income available to common stockholders  $213   $212   $271   $416 
                     
Net income per common share - basic  $0.10   $0.10   $0.13   $0.19 
Net income per common share - diluted  $0.10   $0.10   $0.13  $0.18 

 

   First  Second  Third  Fourth
   Quarter  Quarter  Quarter  Quarter
   2012  2012  2012  2012
             
Interest Income  $3,935   $4,136   $3,984   $3,475 
Interest expense   297    272    248    235 
Net Interest income   3,638    3,864    3,736    3,240 
                     
Provision for loan losses   750    750    525    375 
Non-interest income   1,472    1,565    1,305    1,607 
Non-interest expense   4,376    5,387    4,298    4,098 
Income (loss) before income taxes   (16)   (708)   218    374 
                     
Income tax (benefit)   (149)   (461)   (50)   (241)
                     
Net income (loss)   133    (247)   268    615 
                     
Preferred dividends   59    59    59    60 
                     
Net income (loss) available to common stockholders  $74   $(306)  $209   $555 
                     
Net income (loss) per common share - basic and diluted  $0.03   $(0.14)  $0.10   $0.26 

 

F-44
 
18.SUBSEQUENT EVENTS

In preparing these financial statements, subsequent events were evaluated through the time the financial statements were issued. Financial statements are considered issued when they are widely distributed to all shareholders and other financial statement users, or filed with the Securities and Exchange Commission. In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the financial statements or disclosed in the notes to the financial statements.

 

F-45
 

PART IV

 

ITEM 15.        EXHIBITS, FINANCIAL STATEMENT SCHEDULES

 

(a)(1) The list of all financial statements is included at Item 8.

 

(a)(2) The financial statement schedules are either included in the financial statements or are not applicable.

 

(a)(3) Exhibit List

 

Exhibit

Number

 

 

Exhibit

 

3.1 The Articles of Incorporation.(1)
3.2 Amendment to the Articles of Incorporation.(2)
3.3 Bylaws.(3)
4.1 Instruments Defining the Rights of Security Holders.(4)
10.1* Citizens Bancshares Corporation Employee Stock Purchase Plan.(5)
10.2* Citizens Bancshares Corporation 1999 Incentive  Stock Option Plan.(5)
10.3* Citizens Bancshares Corporation 2009 Long-Term Incentive Plan (6)
10.4* Employment Agreement Dated August 12, 2013 between Cynthia N. Day and Citizens Bancshares Corporation(7)
10.5* Change in Control Agreement by and between Cynthia Day and Citizens Bancshares Corporation (8)
10.6* Change in Control Agreement by and between Samuel J. Cox and Citizens Bancshares Corporation (9)
10.7* Change in Control Agreement by and between Fred Daniels and Citizens Bancshares Corporation (10)
10.8* Director Supplemental Executive Retirement Plan (11)
10.9* Senior Officer Supplemental Executive Retirement Plan (12)
10.10* Supplemental Executive Retirement Plan Joinder Agreement for Cynthia N. Day (13)
10.11* Supplemental Executive Retirement Plan Joinder Agreement for Samuel J. Cox (14)
10.12* First Amendment to Change in Control Agreement by and between Cynthia Day and Citizens Bancshares Corporation. (15)

 

61
 

 

Exhibit

Number

 

 

Exhibit

 

10.13* First Amendment to Change in Control Agreement by and between Samuel J. Cox and Citizens Bancshares Corporation. (16)
10.14 Letter Agreement, dated March 6, 2009, including Securities Purchase Agreement – Standard Terms, incorporated by reference therein, between the Company and the United States Department of the Treasury. (17)
10.15 Side Letter, dated March 6, 2009, between the Company and the United States Department of the Treasury, regarding the American Recovery and Reinvestment Act of 2009. (18)
10.16 Side Letter, dated March 6, 2009, between the Company and the United States Department of the Treasury, pursuant to Section 113(d)(3) of the Emergency Economic Stabilization Act of 2008. (19)
10.17 Side Letter, dated March 6, 2009, between the Company and the United States Department of the Treasury. (20)
10.18 Form of Waiver. (21)
10.19 Letter Agreement, dated August 13, 2010, including Exchange Agreement – Standard Terms, incorporated by reference herein, between the Company and the United States Department of the Treasury. (22)
10.20 Form of Waiver. (23)
10.21 Letter Agreement, dated September 17, 2010, including Securities Purchase Agreement – Standard Terms, incorporated by reference herein, between the Company and the United States Department of the Treasury. (24)
10.22 Form of Waiver. (25)
10.23 TARP Recipient Principal Executive Officer and Principal Financial Officer Certification for Fiscal Year Other than the First Year
21.1 List of subsidiaries. (26)
23.1 Consent of Report of Independent Registered Public Accountant Firm.
24.1 Power of Attorney (appears on the signature page of this Annual Report on Form 10-K)
31.1 Certification by Chief Executive Officer under Section 302 of the Sarbanes-Oxley Act of 2002
31.2 Certification by Chief Financial Officer under Section 302 of the Sarbanes-Oxley Act of 2002

62
 

 

Exhibit

Number

 

 

Exhibit

 

32.1 Certifications by Chief Executive Officer and Chief Financial Officer under Section 906 of the Sarbanes-Oxley Act of 2002
101 Interactive Data Files (27)

__________________

* Compensatory plan or arrangement.

 

(1)Incorporated by reference to exhibit of same number in the Company’s Form 10-QSB for the quarter ending September 30, 2001.
(2)Incorporated by reference to Exhibits 3.1 and 3.2 of the Company’s Form 8-K dated March 6, 2009, Exhibit 3.1 of the Company’s Form 8-K dated August 12, 2010, and Exhibit 3.1 of the Company’s Form 8-K dated September 16, 2010.
(3)Incorporated by reference to Exhibit 3.2 in the Company’s Registration Statement on Form 10, File No. 0-14535.
(4)See the Articles of Incorporation of the Company at Exhibit 3.1 and 3.2 hereto and the Bylaws of the Company at Exhibit 3.3 hereto.
(5)Incorporated by reference to Exhibit of same number in the Company’s 2000 Form 10-KSB.
(6)Incorporated by reference to Appendix A to the Company’s Definitive Proxy Statement for the 2009 Annual Meeting of Shareholders.
(7)Incorporated by reference to Exhibit 10.1 in the Company’s Form 8-K dated August 12, 2013.
(8)Incorporated by reference to Exhibit 10.8 in the Company’s Form 10-K for the year ended December 31, 2006.
(9)Incorporated by reference to Exhibit 10.9 in the Company’s Form 10-K for the year ended December 31, 2006.
(10)Incorporated by reference to Exhibit 10.1 in the Company’s Form 8-K dated December 31, 2013.
(11)Incorporated by reference to Exhibit of 10.11 in the Company’s Form 10-K for the year ended December 31, 2007.
(12)Incorporated by reference to Exhibit of 10.12 in the Company’s Form 10-K for the year ended December 31, 2007.
(13)Incorporated by reference to Exhibit 10.2 of the Company’s Form 8-K dated August 7, 2008.
(14)Incorporated by reference to Exhibit 10.3 of the Company’s Form 8-K dated August 7, 2008.
(15)Incorporated by reference to Exhibit 10.20 of the Company’s Form 10-K dated March 30, 2008.

 

63
 

 

(16)Incorporated by reference to Exhibit 10.21 of the Company’s Form 10-K dated March 30, 2008.
(17)Incorporated by reference to Exhibit 10.1 of the Company’s Form 8-K dated March 6, 2009.
(18)Incorporated by reference to Exhibit 10.2 of the Company’s Form 8-K dated March 6, 2009.
(19)Incorporated by reference to Exhibit 10.3 of the Company’s Form 8-K dated March 6, 2009.
(20)Incorporated by reference to Exhibit 10.4 of the Company’s Form 8-K dated March 6, 2009.
(21)Incorporated by reference to Exhibit 10.5 of the Company’s Form 8-K dated March 6, 2009.
(22)Incorporated by reference to Exhibit 10.1 of the Company’s Form 8-K dated August 12, 2010.
(23)Incorporated by reference to Exhibit 10.2 of the Company’s Form 8-K dated August 12, 2010.
(24)Incorporated by reference to Exhibit 10.1 of the Company’s Form 8-K dated September 16, 2010.
(25)Incorporated by reference to Exhibit 10.2 of the Company’s Form 8-K dated September 16, 2010.
(26)The Company has only one subsidiary, Citizens Trust Bank.
(27)Interactive data files providing financial information from the Registrant’s Annual Report on Form 10-K for the year ended December 31, 2013 in XBRL. Pursuant to Rule 406T of Regulation S-T, these interactive data files are deemed not filed or part of a registration statement or prospectus for purposes of Sections 11 or 12 of the Securities Act of 1933 or Section 18 of the Securities Exchange Act of 1934 and otherwise are not subject to liability.

 

 (b)The Exhibits not incorporated herein by reference are submitted as a separate part of this report.
   
(c)Financial Statement Schedules: The financial statement schedules are either included in the financial statements or are not applicable.

 

64
 

SIGNATURES

 

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

 

 

  CITIZENS BANCSHARES CORPORATION
       
       
       
  By: /s/ Cynthia N. Day  
    Cynthia N. Day  
    President and Chief Executive Officer  
       
       
  Date: March 31, 2014

 

POWER OF ATTORNEY

 

KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears on the signature page to this Report constitutes and appoints Cynthia N. Day and Samuel J. Cox and each of them, his true and lawful attorneys-in-fact and agents, with full power of substitution and resubstitution, for him and in his name, place, and stead, in any and all capacities, to sign any and all amendments to this Report, and to file the same, with all exhibits hereto, and other documents in connection herewith with the Securities and Exchange Commission, granting unto said attorneys-in-fact and agents and each of them, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as he might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents or any of them, or their or his substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

 

65
 

Pursuant to the requirements of the Securities Exchange Act of 1934, this Report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.

 

Signature Title Date
     
/s/ Ray Robinson Chairman of the Board March 31, 2014
Ray Robinson    
     
/s/ Robert L. Brown Director March 31, 2014
Robert L. Brown    
     
/s/ Stephen Elmore Director March 31, 2014
Stephen Elmore    
     
/s/ C. David Moody Director March 31, 2014
C. David Moody    
     
/s/ Mercy P. Owens Director March 31, 2014
Mercy P. Owens    
     
/s/ Donald Ratajczak Director March 31, 2014
Donald Ratajczak    
     
/s/ H. Jerome Russell Director March 31, 2014
H. Jerome Russell    
     
/s/ James E. Williams Director March 31, 2014
James E. Williams    
     
/s/ Cynthia N. Day Director, President and March 31, 2014
Cynthia N. Day Chief Executive Officer*  
     
/s/ Samuel J. Cox Senior Vice President and March 31, 2014
Samuel J. Cox Chief Financial Officer**  

 

* Principal executive officer

** Principal accounting and financial officer

 

66

 EX-10.26 2 ex10-26.htm

EXHIBIT 10.26

 

Citizens Bancshares Corporation

Annual PEO and PFO Certification For Fiscal Years Other than the First Year

 

 

I, Cynthia N. Day, President/Chief Executive Officer and I, Samuel J. Cox, Executive Vice President/Chief Financial Officer, certify, based on my knowledge, that:

 

(i)     The entity serving as the compensation committee (the “Committee”) of Citizens Bancshares Corporation (the “Company”) has discussed, reviewed, and evaluated with senior risk officer at least every six months during any part of the most recently completed fiscal year that was a TARP period, senior executive officer (SEO) compensation plans and employee compensation plans and the risks these plans pose to the Company and each entity aggregated with the Company as the “TARP Recipient” as defined in the regulations and guidance established under section 111 of EESA (collectively referred to as the “TARP Recipient”);

 

(ii)    The Committee has identified and limited during any part of the most recently completed fiscal year that was a TARP period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of the TARP Recipient and has identified any features of the employee compensation plans that pose risks to the TARP Recipient and has limited those features to ensure that the TARP Recipient is not unnecessarily exposed to risks;

 

(iii)   The Committee has reviewed, at least every six months during any part of the most recently completed fiscal year that was a TARP period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of the TARP Recipient to enhance the compensation of an employee, and has limited any such features;

 

(iv)   The Committee will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;

 

(v)    The Committee will provide a narrative description of how it limited during any part of the most recently completed fiscal year that was a TARP period the features in:

 

(A)       SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of the TARP Recipient;

 

(B)       Employee compensation plans that unnecessarily expose the TARP Recipient to risks; and

 

(C)       Employee compensation plans that could encourage the manipulation of reported earnings of the TARP Recipient to enhance the compensation of an employee;

 

(vi)              The TARP Recipient has required that bonus payments, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), to SEOs and any of the next twenty most highly compensated employees be subject to a recovery or “clawback” provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria;

 

 
 

(vii)   The TARP Recipient has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to an SEO or any of the next five most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period.

 

(viii)  The TARP Recipient has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during any part of the most recently completed fiscal year that was a TARP period.

 

(ix)      The TARP Recipient and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during any part of the most recently completed fiscal year that was a TARP period; and any expenses that, pursuant to the policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility, were properly approved;

 

(x)        The TARP Recipient will permit a non-binding shareholder resolution in compliance with any applicable Federal securities rules and regulations on the disclosures provided under the Federal securities laws related to SEO compensation paid or accrued during any part of the most recently completed fiscal year that was a TARP period;

 

(xi)      The TARP Recipient will disclose the amount, nature, and justification for the offering, during any part of the most recently completed fiscal year that was a TARP period, of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii);

 

(xii)    The TARP Recipient will disclose whether the TARP Recipient, the board of directors of the Company, or the Committee has engaged during any part of the most recently completed fiscal year that was a TARP period a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;

 

(xiii)   The TARP Recipient has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period.

 

(xiv)  The TARP Recipient has substantially complied with all other requirements related to employee compensation that are provided in the agreement between the TARP Recipient and Treasury, including any amendments;

 

(xv)    The TARP Recipient has submitted to Treasury a complete and accurate list (see attached) of the SEOs and the twenty next most highly compensated employees for the current fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and

 

 
 

(xvi)  I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both. (See, for example 18 U.S.C. 1001.)

 

Date:  March 31, 2014 /s/ Cynthia N. Day  
  Cynthia N. Day  
  President/Chief Executive Officer  

 

Date:  March 31, 2014 /s/ Samuel J. Cox  
  Samuel J. Cox  
  Executive Vice President/  
  Chief Financial Officer  

 

 

 EX-23.1 3 ex23-1.htm

EXHIBIT 23.1

 

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

 

We consent to the incorporation by reference in Registration Statement Nos. 33-86599 and 33-91003 of Citizens Bancshares Corporation on Form S-8 and Form S-3, respectively, of our report dated March 31, 2014, relating to consolidated financial statements of Citizens Bancshares Corporation and Subsidiary as of and for the year ended December 31, 2013, which report appears in the Annual Report on Form 10-K for the year ended December 31, 2013.

 

 

/s/ Elliott Davis, LLC

 

Greenville, South Carolina

March 31, 2014

 

 

 EX-31.1 4 ex31-1.htm

EXHIBIT 31.1

 

Certification

 

I, Cynthia N. Day, Chief Executive Officer of Citizens Bancshares Corporation, certify that:

 

1.I have reviewed the annual report on Form 10-K of Citizens Bancshares Corporation;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrants other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

 

a)designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of the financial reporting and the preparation of the financial statements for the external purposes in accordance with generally accepted accounting principles.

 

c)evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

d)disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

a)all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

b)any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

This 31st day of March, 2014.

 

 

  /s/ Cynthia N. Day  
  Cynthia N. Day  
  Chief Executive Officer  

 

 

 EX-31.2 5 ex31-2.htm

EXHIBIT 31.2

 

Certification

 

I, Samuel J. Cox, Chief Financial Officer of Citizens Bancshares Corporation, certify that:

 

1.I have reviewed this annual report on Form 10-K of Citizens Bancshares Corporation;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant’s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

 

a)designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of the financial reporting and the preparation of the financial statements for the external purposes in accordance with generally accepted accounting principles.

 

c)evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

d)disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

a)all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

b)any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

This 31st day of March, 2014.

 

  /s/ Samuel J. Cox  
  Samuel J. Cox  
  Chief Financial Officer  

 

 

 EX-32.1 6 ex32-1.htm

EXHIBIT 32.1

 

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

Each of the undersigned hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that this Annual Report on Form 10-K for the year ended December 31, 2013 fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, and the information contained in such report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

This 31st day of March, 2014.

 

/s/ Cynthia N. Day  
Chief Executive Officer  
Citizens Bancshares Corporation  
   
   
/s/ Samuel J. Cox  
Chief Financial Officer  
Citizens Bancshares Corporation  

 

 

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margin: 0 0 12pt 23.75pt; text-align: justify"><b><i>Business</i></b>&#151;Citizens Bancshares Corporation and subsidiary (the &#147;Company&#148;) is a holding company that provides a full range of commercial banking to individual and corporate customers in its primary market areas, metropolitan Atlanta and Columbus, Georgia, and Birmingham and Eutaw, Alabama through its wholly owned subsidiary, Citizens Trust Bank (the &#147;Bank&#148;). 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Advances [Member] Federal Reserve Bank Advances [Member] Main Office [Member] Branch Location [Member] Participant With More Than 10 Percent Ownership Interest [Member] Title of Individual [Axis] Cash Reserve Requirement Average Demand Deposit Criterion Two [Member] Cash Reserve Requirement Criteria [Axis] Cash Reserve Requirement Average Demand Deposit Criterion One [Member] Award Type [Axis] Officer [Member] Officers and Chief Executive Officer [Member] Chief Executive Officer [Member] Statement [Table] Statement [Line Items] Entity Registrant Name Entity Central Index Key Document Type Document Period End Date Amendment Flag Amendment Description Current Fiscal Year End Date Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Filer Category Entity Public Float Entity Common Stock, Shares Outstanding Document Fiscal Year Focus Document Fiscal Period Focus ASSETS Cash and due from banks, including reserve requirements of $286,000 and $242,000 at December 31, 2013 and 2012, respectively Interest-bearing deposits with banks Certificates of deposit Investment securities available for sale, at fair value (amortized cost of $142,683,895 and $125,748,187 at December 31, 2013 and 2012, respectively) Investment securities held to maturity, at cost (estimated fair value of $240,420 and $1,379,915 at December 31, 2013 and 2012, respectively) Other investments Loans receivable - net Premises and equipment - net Cash surrender value of life insurance Other real estate owned Other assets Total assets LIABILITIES AND STOCKHOLDERS' EQUITY LIABILITIES: Noninterest-bearing deposits Interest-bearing deposits Total deposits Accrued expenses and other liabilities Advances from Federal Home Loan Bank Total liabilities COMMITMENTS AND CONTINGENCIES (Note 9) STOCKHOLDERS' EQUITY: Preferred stock Common stock Additional paid-in capital Retained earnings Treasury stock at cost, 235,938 and 220,525 shares at December 31, 2013 and 2012, respectively Accumulated other comprehensive income gain, net of income taxes Total stockholders' equity Total liabilities and stockholders' equity Cash and due from banks Investment securities available for sale, at fair value Investment securities held to maturity, at cost Preferred stock, par value (in dollars per share) Preferred stock, shares authorized Preferred stock, shares issued Preferred stock, shares outstanding Common stock, par value (in dollars per share) Common stock, shares authorized Common stock, shares issued Common stock, shares outstanding Treasury stock, shares Consolidated Statements Of Income Interest income: Loans, including fees Investment securities: Taxable Tax-exempt Dividends Interest-bearing deposits Total interest income Interest expense: Deposits Other borrowings Total interest expense Net interest income Provision for loan losses Net interest income after provision for loan losses Noninterest income: Service charges on deposits Gain on sales of securities Gains on sales of assets Bank owned life insurance ATM surcharges BEA award Other operating income Total noninterest income Noninterest expense: Salaries and employee benefits Occupancy and equipment Other real estate owned, net Other operating expenses Total noninterest expense Income (loss) before income taxes benefit Income tax benefit Net income Preferred dividends Net income available to common stockholders Net income (loss) per common share - basic (in dollars per share) Net income (loss) per common share - diluted (in dollars per share) Weighted average common outstanding shares - basic (in shares) Weighted average common outstanding shares - diluted (in shares) Consolidated Statements Of Comprehensive Income Loss Net Income (Loss) Other Comprehensive Income (Loss) Unrealized holding gain (loss) on investment securities available for sale, net of tax of $(1,874,103) for 2013, $279,575 for 2012 and $1,530,186 for 2011 Reclassification adjustment for holding gains included in net income, net of tax of $82,920 for 2013, $231,651 for 2012, and $68,483 for 2011 Other Comprehensive Income Total Comprehensive Loss Consolidated Statements Of Comprehensive Income Loss Parenthetical Unrealized holding gain (loss) on investment securities available for sale, tax Reclassification adjustment for holding gains included in net income, tax Balance Balance (in shares) Net income Other Comprehensive Loss Issuance of common stock Issuance of common stock (in shares) Nonvested restricted stock Purchase of treasury stock Purchase of treasury stock (in shares) Dividends paid on preferred stock Dividends paid on common stock Balance Balance (in shares) Consolidated Statements Of Cash Flows OPERATING ACTIVITIES: Adjustments to reconcile net income to net cash provided by operating activities: Depreciation Amortization and accretion - net Provision (benefit) for deferred income taxes Gains on sales of securities Gains on sale of assets Loss on sale of other real estate owned Restricted stock based compensation plan Decrease in carrying value of other real estate owned Change in other assets Change in accrued expenses and other liabilities Net cash provided by operating activities INVESTING ACTIVITIES: Net change in certificates of deposit Proceeds from the sales, maturities and paydowns of securities available for sale Proceeds from the maturities and paydowns of of securities held to maturity Purchases of investment securities available for sale Net change in other investments Net change in loans Purchases of premises and equipment, net Proceeds from sale of premises and equipment Proceeds from the sale of other real estate owned Net cash provided by (used in) investing activities FINANCING ACTIVITIES: Net change in deposits Net change in advances from Federal Home Loan Bank Common stock dividend paid Preferred stock dividend paid Net purchase of treasury stock Proceeds from issuance of common stock Net cash used in financing activities Net change in cash and cash equivalents Cash and cash equivalents, beginning of period Cash and cash equivalents at end of period Supplemental disclosures of cash paid during the period for: Interest Income taxes Supplemental disclosures of noncash transactions: Real estate acquired through foreclosure Change in unrealized gain (loss) on investment securities available for sale, net of taxes Organization, Consolidation and Presentation of Financial Statements [Abstract] SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Investments, Debt and Equity Securities [Abstract] INVESTMENTS Loans and Leases Receivable Disclosure [Abstract] LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Premises And Equipment PREMISES AND EQUIPMENT Banking and Thrift [Abstract] DEPOSITS OTHER BORROWINGS Income Tax Disclosure [Abstract] INCOME TAXES Compensation and Retirement Disclosure [Abstract] EMPLOYEE BENEFITS Commitments and Contingencies Disclosure [Abstract] COMMITMENTS AND CONTINGENCIES Disclosure of Compensation Related Costs, Share-based Payments [Abstract] STOCK OPTIONS Earnings Per Share [Abstract] NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE Fair Value Disclosures [Abstract] FAIR VALUE OF FINANCIAL INSTRUMENTS Equity [Abstract] STOCKHOLDERS' EQUITY Related Party Transactions [Abstract] RELATED-PARTY TRANSACTIONS SUPPLEMENTARY INCOME STATEMENT INFORMATION Condensed Financial Information of Parent Company Only Disclosure [Abstract] CONDENSED FINANCIAL INFORMATION OF CITIZENS BANCSHARES CORPORATION (PARENT ONLY) Quarterly Financial Information Disclosure [Abstract] QUARTERLY FINANCIAL DATA (UNAUDITED) Subsequent Events [Abstract] SUBSEQUENT EVENTS Business Basis of Presentation Troubled Asset Relief Program Cash and Cash Equivalents Interest-bearing Deposits with Banks Other Investments Investment Securities Loans Receivable and Allowance for Loan Losses Troubled Debt Restructurings Premises and Equipment Other Real Estate Owned Intangible Assets Income Taxes Net Income Available to Common Stockholders Stock Based Compensation Recently Issued Accounting Standards Reclassifications Summary Of Significant Accounting Policies Tables Schedule of the range of estimated useful lives for premises and equipment Summary of transactions in other real estate owned Schedule of intangible assets Schedule of aggregate amortization expense Schedule of investment securities available for sale Schedule of investment securities held to maturity Schedule of amortized costs and fair values of investment securities, by contractual maturity Schedule of investments' gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealzied loss position Summary of loans outstanding, by classification Summary of activity in allowance for loan losses Summary of activity in the allowance for loan losses by portfolio segment Schedule of allocation of allowance for loan losses by portfolio segment Schedule of impaired loans by class of loan Schedule of aging analysis of loan portfolio Schedule of loan portfolio by risk rating Schedule of troubled debt restructurings Property, Plant and Equipment [Abstract] Summary of premises and equipment Summary of interest-bearing deposits Schedule of maturities of time deposits Schedule of the components of income tax expense Schedule of reconciliation of income tax expense with the amounts computed by applying the statutory federal income tax rate to earnings before income taxes Schedule of the tax effects of temporary differences that give rise to significant amounts of deferred tax assets and deferred tax liabilities Schedule of maturities of the Company's Federal Home Loan Bank advances Schedule of financial instruments whose contract amounts represent credit risk Schedule of future minimum lease payments under all noncancelable lease agreements inclusive of sales tax and maintenance costs Summary of the status of the Company's stock options and their changes Schedule of reconciliation of the numerators and denominator of the basic and diluted net income per common and potential common share Real Estate [Abstract] Schedule of financial assets measured at fair value on a recurring and nonrecurring basis and the change in fair value for those specific financial instruments in which fair value has been elected Significant unobservable inputs used for assets and liabilities measured at fair value on a recurring or non-recurring basis Schedule of carrying values and estimated fair values of the Company's financial instruments Schedule of the Company's and Bank's actual capital amounts and ratios Summary of the activity of related party loans Schedule of the components of other operating expenses in excess of 1% of total interest income and other income Schedule of condensed financial statements Schedule of the Company's quarterly financial data Entity Location [Table] Entity Location [Line Items] Number of full-service financial centers Schedule of Stock by Class [Table] Class of Stock [Line Items] Number of preferred shares exchanged Number of preferred shares issued Monetary consideration exchanged in connection with the Exchange Transaction Liquidation preference (in dollars per share) Cumulative dividend payment for first eight years after closing date (as a percent) Period for which preferred stock dividend rate is 2% Cumulative dividend payment after the first eight years of closing date (as a percent) SummaryOfSignificantAccountingPoliciesTable [Table] SummaryOfSignificantAccountingPoliciesLineItems [Line Items] CashReserveRequirementCriteriaAxis [Axis] Cash reserve requirement, deposit with FRB as a percentage of daily average demand deposit balance Cash reserve requirement, daily average demand deposit balance Investment Securities Number of categories in which debt and equity securities are classified Investment securities classified as trading securities Other-than-temporary impairment for securities Property, Plant and Equipment [Table] Property, Plant and Equipment [Line Items] Estimated useful life Transactions in other real estate owned Balance-beginning of year Additions Sales Write downs Balance-end of year Goodwill and Intangible Assets Disclosure [Abstract] Period over which the deposit assumption premiums are amortized Gross Carrying Amount, Goodwill Amortized intangible asset: Gross Carrying Amount, Core deposit intangibles Accumulated Amortization, Core deposit intangibles Aggregate amortization expense of core deposit intangibles Estimated aggregate amortization expense of core deposit intangibles 2014 2015 2016 2017 and thereafter Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Options granted (in shares) Number of nonvested shares of common stock issued to certain officers Grant price (in dollars per share) Cliff vesting rights (as a percent) Vesting rights (as a percent) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Total Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available for Sale, Amortized Cost Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years Total Available for Sale, Fair Value Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years Total Held to Maturity, Amortized Cost Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years Total Held to Maturity, Fair Value Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years Total Schedule of Available-for-sale Securities [Table] Schedule of Available-for-sale Securities [Line Items] Concentration Risk Type [Axis] Concentration Risk Benchmark [Axis] Securities Available for Sale, Fair value Securities in a loss position for less than twelve months Securities in a loss position for twelve months or more Total Securities Available for Sale, Unrealized losses Securities in a loss position for less than twelve months Securities in a loss position for twelve months or more Total Number of securities classified as held to maturity in an unrealized loss position Available for sale securities portfolio disclosure Number of investment securities in an unrealized loss position for more than 12 months Investments Details Narrative Securities pledged as collateral Securities pledged to secure public funds on deposit and for other purposes as required by law, FHLB advances Line of credit at Federal Reserve Bank discount window Gross realized gains (losses) on securities Proceeds from sale of securities Gross realized gains on sale of securities Gross realized losses on sale of securities Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Accounts, Notes, Loans and Financing Receivable [Line Items] Loans, gross Allowance for loan losses Loans, net Loans Receivable And Allowance For Loan Losses Details Narrative Loans to area churches Loans to area convenience stores Loans to areas hotel Activity in allowance for loan losses Beginning balance Provision for loan losses Loans charged-off Recoveries on loans previously charged-off Ending Balance Schedule of Financing Receivable, Allowance for Credit Losses [Table] Financing Receivable, Allowance for Credit Losses [Line Items] Activity in allowance for loan losses by portfolio segment Recoveries on loans charged-off Allocation of allowance for loan losses by portfolio segment Specific Reserves, Impaired loans Total specific reserves General reserves Total Loans individually evaluated for impairment Loans collectively evaluated for impairment Total Schedule of Impaired Financing Receivable [Table] Financing Receivable, Impaired [Line Items] Impaired Loans - With Allowance, Unpaid Principal Impaired Loans - With Allowance, Recorded Investment Impaired Loans - With Allowance, Allowance for Loan Losses Allocated Impaired Loans - With no Allowance, Unpaid Principal Impaired Loans - With no Allowance, Recorded Investment Average Recorded Investment Interest Income Recognized 30-59 Days Past Due 60-89 Days Past Due Over 90 Days Past Due Total Past Due Current Recorded Investment > 90 Days and Accruing Nonaccrual Risk categories Minimum amount required for loan to be reviewed at least annually to determine appropriate loan grading Total Schedule of Financing Receivable, Troubled Debt Restructurings [Table] Financing Receivable, Modifications [Line Items] Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Number of loans for which Term was Extended Number of loans for which interest rate was modified. Troubled Debt Restructurings that subsequently defaulted Minimum period of restructured loan past due Premises and equipment, gross Less accumulated depreciation Premises and equipment-net Depreciation expense Deposits Details NOW and money market accounts Savings accounts Time deposits of $100,000 or more Other time deposits Total interest-bearing deposits Time Deposits CDARS deposits Maturities of time deposits 2014 2015 2016 2017 2018 and thereafter Total Schedule of Long-term Debt Instruments [Table] Debt Instrument [Line Items] Proceeds from AHP Award Interest rate (as a percent) Total loans pledged as collateral Maximum borrowing capacity Amount outstanding under line of credit Advances from Federal Home Loan Bank line of credit Letter of credit to secure public deposits Components of income tax expense Current tax expense (benefit) Deferred tax expense (benefit) Total income tax (benefit) Reconciliation of income tax expense with the amounts computed by applying the statutory federal income tax rate Effective income tax rate on continuing operations (as a percent) Income tax expense at statutory rate Tax-exempt interest income-net of disallowed interest expense Cash surrender value of life insurance income Other-net Income tax (benefit) Valuation allowance Increase in valuation allowance Tax effects of temporary differences that give rise to significant amounts of deferred tax assets and deferred tax liabilities Deferred tax assets: Net operating losses and credits Loans, principally due to difference in allowance for loan losses and deferred loan fees Nonaccrual loan interest Postretirement benefit accrual, deferred compensation Net unrealized loss on securities available for sale Other real estate owned Other Gross deferred tax asset Valuation allowance Total deferred tax assets Deferred tax liabilities: Net unrealized gain on securities available for sale Purchased loan discount Premises and equipment Other Total deferred tax liabilities Net deferred tax assets Operating Loss Carryforwards [Table] Operating Loss Carryforwards [Line Items] Net operating loss carryforwards Income tax credits Valuation allowance Employer matching contribution as a percentage of employee contributions Maximum percentage of employee's compensation eligible for employer contribution match Expenses recognized related to the 401 (k) plan Number of participants remaining in The Plans Obligation to contribute to Post Retirement Benefit Plan in event of failure to produce positive returns Cash surrender value for the contracts Amount recognized in noninterest expenses for the SERP and the Post Retirement Benefits Plans Amount recognized in noninterest income related to the insurance contracts Expenses incurred related to the Bonus Plan Schedule of Fair Value, Off-balance Sheet Risks [Table] Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items] Approximate Contractual Amount Schedule of Operating Leased Assets [Table] Operating Leased Assets [Line Items] Lease term Monthly payments required for the first year under lease Percentage of increase per year in monthly payments after first year Number of renewal options Term of renewal option Operating leases, monthly payments for four years Monthly payment amount term one Operating leases, monthly payments for three years Monthly payment amount term two Renewed Operating leases, monthly payments for next three years Renewed Operating leases, monthly payments for next two years after first option Future minimum lease payments under all noncancelable lease agreements inclusive of sales tax and maintenance costs 2014 2015 2016 2017 2018 and Thereafter Total future minimum lease payments Rent expense Legal Legal fees awarded Settlement amount in judgment levied against the company Purchase price as a percentage of the fair market value of common stock Percentage of outstanding common stock owned by a participant Term of the stock incentive option Shares Outstanding-beginning of year (in shares) Exercised (in shares) Expired/Terminated (in shares) Outstanding-end of year (in shares) Options exercisable at year-end (in shares) Shares available for grant Weighted Average Exercise Price Outstanding-beginning of year (in dollars per share) Granted (in dollars per share) Exercised (in dollars per share) Expired/Terminated (in dollars per share) Outstanding-end of year (in dollars per share) Options exercisable at year-end (in dollars per share) Additional information Outstanding, Weighted Average Remaining Contractual Life Options exercisable at year-end, Weighted Average Remaining Contractual Life Outstanding-end of year, Aggregate Intrinsic Value Options exercisable at year-end, Aggregate Intrinsic Value Additional information Total fair value of options vested Total compensation cost recognized Potentially dilutive options outstanding Net Income (Numerator) Basic earnings (loss) available to common stockholders Nonvested restricted stock grant Effect of dilutive securities: options to purchase common shares Diluted earnings (loss) Shares (Denominator) Basic (in shares) Nonvested restricted stock grant (in shares) Effect of dilutive securities: options to purchase common shares (in shares) Diluted (in shares) Per Share Amount Basic earnings (loss) per share available to common stockholders (in dollars per share) Nonvested resticted stock grant (in dollars per share) Effect of dilutive securities: options to purchase common shares (in dollars per shares) Diluted earnings (loss) per share (in dollars per share) Fair Value Measurements, Recurring and Nonrecurring [Table] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Financial liabilities measured at fair value Securities available for sale: Collateral Dependent Impaired loans Collateral dependent impaired loans and Other real estate owned Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Table] Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items] Negative adjustment for selling costs and changes in market conditions since appraisal (as a percent) ScheduleOfFairValueByBalanceSheetGroupingAndOffBalanceSheetRisksTable [Table] Fair Value Balance Sheet Grouping Financial Statement Captions and Off Balance Sheet Risks Disclosure Information [Line Items] Financial assets: Cash and due from banks Investment securities Loans-net Financial liabilities: Deposits Off-balance-sheet financial instruments: Notional amount Estimated fair value Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] Total capital (to risk weighted assets): Actual, Amount For Capital Adequacy Purposes, Amount To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount Actual, Ratio (as a percent) For Capital Adequacy Purposes, Ratio (as a percent) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio (as a percent) Tier I capital (to risk weighted assets): Actual, Amount For Capital Adequacy Purposes, Amount To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount Actual, Ratio (as a percent) For Capital Adequacy Purposes, Ratio (as a percent) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio (as a percent) Tier I capital (to average assets): Actual, Amount For Capital Adequacy Purposes, Amount To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount Actual, Ratio (as a percent) For Capital Adequacy Purposes, Ratio (as a percent) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio (as a percent) Dividend Limitation Dividend payments approval by the regulatory agencies as a percentage of subsidiary net income for the prior period Dividends paid on common stock Dividend payout rate per common share (in dollars per share) Cash dividends paid on preferred stock issued to the Treasury Activity of related party loans Balance at beginning of year New loans Repayments Balance - end of year Additional disclosure Deposits Supplementary Income Statement Information Details Threshold for disclosure of components of other operating expenses as a percentage of total interest income and other income (as a percent) Professional services - legal Professional services - other Stationery and supplies Advertising Data processing ATM charges Telephone FDIC insurance premium Amortization of core deposit intangible Security and protection expense Other benefit expenses Other miscellaneous expenses Other operating expenses Condensed Financial Statements [Table] Condensed Financial Statements, Captions [Line Items] Cash Investment in Bank Total assets Total liabilities Stockholders' equity Total liabilities and stockholders' equity Dividends from subsidiary Other revenue Total revenue Total expenses Income (loss) before income tax benefit and equity in undistributed earnings of the subsidiary Income tax benefit Income (loss) before equity in undistributed earnings of the subsidiary Equity in undistributed earnings of the subsidiary Cash flows from operating activities: Adjustments to reconcile net income to net cash provided by (used in) operating activities: Equity in undistributed earnings of the subsidiary Change in other liabilities Cash flows from financing activities: Net purchase of treasury stock Net cash used in financing activities Net change in cash Cash: Supplemental disclosures of cash flow information: Quarterly Financial Data Details Interest Income Interest expense Net interest income Non-interest income Non-interest expense Income (loss) before income taxes Income tax expense (benefit) Net income (loss) available to common stockholders Net income per common share - basic Net income per common share - diluted Net income (loss) per common share - basic and diluted Atlanta [Member] Available for Sale Securities Unrealized Loss Position For 12 Months or Longer Aggregate Loss Available for Sale Securities Unrealized Loss Position Aggregate. Available for Sale Securities Unrealized Loss Position Less Than 12 Months Aggregate Loss. Amount of unrealized gain before deducting unrealized loss on investments in debt and equity securities classified as available-for-sale securities. Amount of unrealized loss before deducting unrealized gain on investments in available-for-sale securities. Birmingham [Member] Columbus [Member] Commercial Financial and Agricultural Portfolio Segment [Member] Construction and Development Portfolio Segment [Member] Construction Financing Receivable [Member] Decreased Interest Rate and Loan Term Extension [Member] Decreased Interest Rate [Member] Deferred Income Tax Noncash Expense (Benefit) Document and Entity Information Eutaw [Member] Extended Tem Member Fair Value Balance Sheet Grouping Financial Statement Captions and Off Balance Sheet Risks Disclosure Information [Line Items] Fair Value Inputs Adjustment for Selling Costs and Changes in Market Conditions Financing Receivable Modification, Number of Contracts Financing Receivable, Period of Past Due for Classification of Loan as Restructured Loan, Minimum Financing Receivable Post Modification Recorded Investment Financing Receivable Pre Modification Recorded Investment Held to Maturity Securities, Debt Maturities, Net Carrying Amount, Rolling Maturity [Abstract] Held to maturity security unrecognized holding gains. Held to maturity security unrecognized holding losses. 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Represents the cash reserve balance on deposit with the Federal Reserve Bank (the FRB) as required by the FRB. Tabular disclosure of aggregate of all domestic and foreign interest-bearing deposit liabilities. Tabular disclosure of maturities of time deposits. Tabular disclosure of contractual maturities of Federal Home Loan Bank advances. Tabular disclosure of the change in the total amounts of loans and leases receivable from related parties. Disclosure of accounting policy for interest-bearing deposits with banks. Disclosure of accounting policy for other investments. Tabular disclosure of the components of property, plant and equipment. Disclosure related to our nature of operations. Equipment commonly used in offices and stores that have no permanent connection to the structure of a building or utilities and tangible personal property used to produce goods and services. Represents the time deposits within the Certificate of Deposit Account Registry Service (CDARS) program that allows customers with deposits in excess of FDIC-insured limits to obtain full coverage on time deposits through a network of banks within the CDARS program. Represents the amount of time deposits maturing in and after the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts. Represents the directors, officers, principal shareholders of the entity and associates of such persons. Represents the threshold for disclosure of components of other operating expenses as a percentage of total interest income and other income. Represents the amount of charges incurred during the period for automated teller machine (ATM) charges. Represents the aggregate amount of expenses incurred during the period for security and protection. Represents the amount of interest and other expenses that were charged against earnings during the period. Represents the income or loss from continuing operations, which may also be defined as revenue less expenses from ongoing operations, after income taxes, but before income or loss from equity method investments. Dividend income earned from subsidiaries. The portion of the difference, between total income tax expense or benefit as reported in the income statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations, that is attributable to cash surrender value of life insurance income. Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss and tax credit carryforwards. Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses and from deferred loan fees. Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from nonaccrual interest on loans. Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains on available-for-sale securities. Information pertaining to the expiration of the tax credit carryforward. Tax credits that expire beginning in 2013. Nonvested Restricted Stock Grant Value Effect Of Dilutive Securities Options To Purchase Common Shares Value Effect Of Dilutive Securities Options To Purchase Common Shares in Shares Nonvested Resticted Stock Grant Per Share Effect Of Dilutive Securities Options To Purchase Common Shares Per Shares Loans to Area Churches. Loans to area convenience stores. Loans given to Area Hotel. 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Renewed Operating Leases Monthly Payments For Next Two Years after the end of first tenure of first option. Participant With More Than 10 Percent Ownership Interest [Member] Share Based Compensation Arrangement by Share Based Payment Award Percentage of Common Stock Per Participant Share Based Compensation Arrangements by Share Based Payment Award Options Expiration Term Dividend Limitation [Abstract] Dividend Payments Approval by Regulatory Agencies as Percentage of Subsidiary Net Income For Prior Period Common Stock Dividends Payout Rate Per Share Amount of amortization expense expected to be recognized after the third rolling twelve months following the latest balance sheet presented for assets, excluding financial assets and goodwill, lacking physical substance with a finite life. 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FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)
 12 Months Ended
Dec. 31, 2013
Fair Value Disclosures [Abstract]  
Schedule of financial assets measured at fair value on a recurring and nonrecurring basis and the change in fair value for those specific financial instruments in which fair value has been elected
    Fair Value Measurements at December 31, 2013
        Quoted Prices        
        In Active   Significant    
        Markets for   Other   Significant
    Assets   Identical   Observable   Unobservable
    Measured at   Assets   Inputs   Inputs
    Fair Value   (Level 1)   (Level 2)   (Level 3)
Recurring Basis:                                
Assets                                
Securities available for sale:                                
State, county, and municipal securities   $ 34,802     $ —       $ 34,802     $ —    
Mortgage-backed securities     96,267       —         96,267       —    
Corporate securities     9,976       —         9,976       —    
      141,045               141,045          
                                 
Nonrecurring Basis:                                
Assets                                
Collateral dependent impaired loans:                                
   Commercial Real Estate   $ 10,702     $ —       $ —       $ 10,702  
   Single-family Residential     360       —         —         360  
Other real estate owned     7,404       —         —         7,404  
      18,466                       18,466  

 

    Fair Value Measurements at December 31, 2012
        Quoted Prices        
        In Active   Significant    
        Markets for   Other   Significant
    Assets   Identical   Observable   Unobservable
    Measured at   Assets   Inputs   Inputs
    Fair Value   (Level 1)   (Level 2)   (Level 3)
Recurring Basis:                                
Assets                                
Securities available for sale:                                
State, county, and municipal securities   $ 39,864     $ —       $ 39,864     $ —    
Mortgage-backed securities     80,248       —         80,248       —    
Corporate securities     9,754       —         9,754       —    
      129,866               129,866          
                                 
Nonrecurring Basis:                                
Assets                                
Collateral dependent impaired loans:                                
   Commercial Real Estate   $ 16,929     $ —       $ —       $ 16,929  
   Single-family Residential     515       —         —         515  
   Construction and Development     278       —         —         278  
Other real estate owned     8,195       —         —         8,195  
      25,917                       25,917  
Significant unobservable inputs used for assets and liabilities measured at fair value on a recurring or non-recurring basis
  Fair Value at   Valuation   Unobservable    
(dollars in thousands) December 31, 2013   Technique   Inputs   Range
Collateral dependent impaired Loans:              
Commercial Real Estate  $                      10,702   Appraised Value   Negative adjustment for selling costs and changes in market conditions since appraisal   5% - 20%
               
Single-family Residential  $                           360   Appraised Value   Negative adjustment for selling costs and changes in market conditions since appraisal   5% - 20%
               
OREO  $                        7,404   Appraised Value   Negative adjustment for selling costs and changes in market conditions since appraisal   5% - 20%
Schedule of carrying values and estimated fair values of the Company's financial instruments

The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of December 31, 2013 (in thousands):

    December 31, 2013
    Carrying   Fair Value Measurements
    Amount   Total   Level 1   Level 2   Level 3
Financial assets:                                        
  Cash and due from banks     6,340       6,340       6,340       —         —    
  Interest-bearing deposits with banks     22,827       22,827       22,827       —         —    
  Certificates of deposit     350       350       350       —         —    
  Investment securities     141,285       141,285       —         141,285       —    
  Other investments     874       874       874       —         —    
  Loans—net     182,119       183,150       —         —         183,150  
  Cash surrender value of life insurance     9,948       9,948       9,948       —         —    
                                         
Financial liabilities:                                        
  Deposits     336,962       337,768       195,884       141,884       —    
  Advances from Federal Home Loan Bank     273       273       —         273       —    
                                         
                                         
       Notional        Estimated                          
       Amount        Fair Value                          
                                         
Off-balance-sheet financial instruments:                                        
  Commitments to extend credit     26,313       —                            
  Commercial letters of credit     2,125       —                            

 

The carrying values and estimated fair values of the Company’s financial instruments at December 31, 2012 are as follows:

    December 31, 2012
    Carrying   Fair Value Measurements
    Amount   Total   Level 1   Level 2   Level 3
Financial assets:                                        
  Cash and due from banks     5,384       5,384       5,384       —         —    
  Interest-bearing deposits with banks     34,803       34,803       34,803       —         —    
  Certificates of deposit     100       100       100       —         —    
  Investment securities     131,222       131,245       —         131,245       —    
  Other investments     995       995       995       —         —    
  Loans—net     187,489       188,233       —         —         188,233  
  Cash surrender value of life insurance     9,619       9,619       9,619       —         —    
                                         
Financial liabilities:                                        
  Deposits     340,593       341,032       184,784       156,248       —    
  Advances from Federal Home Loan Bank     292       292       —         292       —    
                                         
                                         
     Notional      Estimated                          
     Amount      Fair Value                          
                                         
Off-balance-sheet financial instruments:                                        
  Commitments to extend credit     24,335       —                            
  Commercial letters of credit     2,218       —                            

 
XML 15 R54.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENTS (Details 2) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Amortized Cost $ 240,000 $ 1,356,119  
Fair Value 240,420 1,379,915 1,379,915
State, county and municipal securities [Member]
      
Amortized Cost 240,000 1,356,119  
Gross Unrealized Gains 420 23,796  
Gross Unrealized Losses        
Fair Value $ 240,420 $ 1,379,915  
XML 16 R48.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 4)
 12 Months Ended
Dec. 31, 2013
Furniture and Equipment [Member] | Minimum [Member]
  
Property, Plant and Equipment [Line Items]  
Estimated useful life 3 years
Furniture and Equipment [Member] | Maximum [Member]
  
Property, Plant and Equipment [Line Items]  
Estimated useful life 10 years
Building and Building Improvements [Member] | Minimum [Member]
  
Property, Plant and Equipment [Line Items]  
Estimated useful life 5 years
Building and Building Improvements [Member] | Maximum [Member]
  
Property, Plant and Equipment [Line Items]  
Estimated useful life 40 years
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OTHER BORROWINGS (Details) (USD $)
 0 Months Ended 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Aug. 31, 2006
Affordable Housing Program [Member]
Dec. 31, 2013
Affordable Housing Program [Member]
Dec. 31, 2012
Affordable Housing Program [Member]
Dec. 31, 2013
Federal Home Loan Bank Advances [Member]
Dec. 31, 2013
Federal Reserve Bank Advances [Member]
Debt Instrument [Line Items]              
Proceeds from AHP Award     $ 400,000        
Interest rate (as a percent)     0.00% 0.00% 0.00%    
Total loans pledged as collateral       33,186,000 25,087,000    
Advances from Federal Home Loan Bank 273,079 291,697   273,000 292,000    
Maximum borrowing capacity 17,700,000 17,700,000       78,300,000 17,700,000
Amount outstanding under line of credit           20,300,000  
Advances from Federal Home Loan Bank line of credit           273,000  
Letter of credit to secure public deposits           $ 20,000,000  

XML 19 R55.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENTS (Details 3) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Available for Sale, Amortized Cost      
Due in one year or less       
Due after one year through five years 12,458,522    
Due after five years through ten years 29,292,070    
Due after ten years 100,933,303    
Total 142,683,895    
Available for Sale, Fair Value      
Due in one year or less       
Due after one year through five years 12,731,378    
Due after five years through ten years 29,849,470    
Due after ten years 98,464,434    
Total 141,045,282 129,865,524  
Held to Maturity, Amortized Cost      
Due in one year or less       
Due after one year through five years 240,000    
Due after five years through ten years       
Due after ten years       
Total 240,000 1,356,119  
Held to Maturity, Fair Value      
Due in one year or less       
Due after one year through five years 240,420    
Due after five years through ten years       
Due after ten years       
Total $ 240,420 $ 1,379,915 $ 1,379,915
XML 20 R78.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: $ 141,045,282 $ 129,865,524
Other real estate owned 7,404,437 8,194,955
State, county and municipal securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 34,801,788 39,863,809
Mortgage Backed Securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 96,267,274 80,247,539
Corporate Securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 9,976,220 9,754,176
Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral Dependent Impaired loans 10,702,000  
Fair Value, Inputs, Level 3 [Member] | Single Family Residential Mortgage [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral Dependent Impaired loans 360,000  
Fair Value, Inputs, Level 3 [Member] | Other real estate owned [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral Dependent Impaired loans 7,404,000  
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 141,045,000 129,866,000
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | State, county and municipal securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 34,802,000 39,864,000
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage Backed Securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 96,267,000 80,248,000
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Corporate Securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 9,976,000 9,754,000
Fair Value, Measurements, Recurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Financial liabilities measured at fair value 0 0
Securities available for sale: 141,045,000 129,866,000
Fair Value, Measurements, Recurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | State, county and municipal securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 34,802,000 39,864,000
Fair Value, Measurements, Recurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Mortgage Backed Securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 80,248,000 80,248,000
Fair Value, Measurements, Recurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Corporate Securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale: 9,754,000 9,754,000
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral dependent impaired loans and Other real estate owned 18,466,000 25,917,000
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial Real Estate Portfolio Segment [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral Dependent Impaired loans 10,702,000 16,929,000
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Single Family Residential Mortgage [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral Dependent Impaired loans 360,000 515,000
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Construction and Development Portfolio Segment [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral Dependent Impaired loans   278,000
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Other real estate owned [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Other real estate owned 7,404,000 8,195,000
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral dependent impaired loans and Other real estate owned 18,466,000 25,917,000
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral Dependent Impaired loans 10,702,000 16,929,000
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Single Family Residential Mortgage [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral Dependent Impaired loans 360,000 515,000
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Construction and Development Portfolio Segment [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral Dependent Impaired loans   278,000
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other real estate owned [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Other real estate owned $ 7,404,000 $ 8,195,000
XML 21 R46.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 2) (USD $)
 12 Months Ended 0 Months Ended
Dec. 31, 2013
Series B and Series C Preferred Stock [Member]
Sep. 17, 2010
Series B and Series C Preferred Stock [Member]
Aug. 13, 2010
Series A Preferred Stock [Member]
Aug. 13, 2010
Series B Preferred Stock [Member]
Dec. 31, 2012
Series B Preferred Stock [Member]
Dec. 31, 2012
Series C Preferred Stock [Member]
Class of Stock [Line Items]            
Number of preferred shares exchanged     7,462      
Number of preferred shares issued   11,841     7,462 4,379
Monetary consideration exchanged in connection with the Exchange Transaction     $ 1,000 $ 1,000    
Cumulative dividend payment for first eight years after closing date (as a percent) 2.00%          
Period for which preferred stock dividend rate is 2% 8 years          
Cumulative dividend payment after the first eight years of closing date (as a percent) 9.00%          
XML 22 R33.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2013
Income Tax Disclosure [Abstract]  
Schedule of the components of income tax expense
    2013   2012   2011
             
Current tax expense (benefit)   $ 49,090     $ (86,388 )   $ 675,212  
Deferred tax expense (benefit)     (199,896 )     (814,682 )     (1,757,769 )
                         
Total income tax (benefit)   $ (150,806 )   $ (901,070 )   $ (1,082,557 )
Schedule of reconciliation of income tax expense with the amounts computed by applying the statutory federal income tax rate to earnings before income taxes
    2013   2012   2011
             
Income tax expense at statutory rate   $ 407,309     $ (44,963 )   $ (276,737 )
Tax-exempt interest income—net of disallowed interest expense     (515,458 )     (593,130 )     (593,502 )
Cash surrender value of life insurance income     (111,736 )     (205,634 )     (125,420 )
Other—net     69,079       (57,343 )     (86,898 )
                         
           Income tax (benefit)   $ (150,806 )   $ (901,070 )   $ (1,082,557 )
Schedule of the tax effects of temporary differences that give rise to significant amounts of deferred tax assets and deferred tax liabilities
    2013   2012
Deferred tax assets:                
  Net operating losses and credits   $ 3,249,677     $ 1,114,223  
  Loans, principally due to difference in allowance for loan losses and deferred loan fees     826,499       1,207,696  
  Nonaccrual loan interest     55,364       1,096,904  
  Postretirement benefit accrual, deferred compensation     1,140,791       1,073,002  
  Net unrealized loss on securities available for sale      557,165       —    
  Other real estate owned     610,821       808,479  
  Other     685,120       1,213,850  
           Gross deferred tax asset     7,125,437       6,514,154  
  Valuation allowance     (168,234 )     (128,474 )
                 
           Total  deferred tax assets     6,957,203       6,385,680  
                 
Deferred tax liabilities:                
  Net unrealized gain on securities available for sale     —         1,399,858  
  Purchased loan discount     34,209       68,417  
  Premises and equipment     165,493       364,990  
  Other     121,217       73,050  
                 
           Total deferred tax liabilities     320,919       1,906,315  
                 
           Net deferred tax assets   $ 6,636,284     $ 4,479,365  
XML 23 R79.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 2) (Fair Value, Inputs, Level 3 [Member], USD $)
 12 Months Ended
Dec. 31, 2013
Commercial Real Estate Portfolio Segment [Member]
  
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]  
Collateral Dependent Impaired loans $ 10,702,000
Commercial Real Estate Portfolio Segment [Member] | Minimum [Member]
  
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]  
Negative adjustment for selling costs and changes in market conditions since appraisal (as a percent) 5.00%
Commercial Real Estate Portfolio Segment [Member] | Maximum [Member]
  
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]  
Negative adjustment for selling costs and changes in market conditions since appraisal (as a percent) 20.00%
Single Family Residential Mortgage [Member]
  
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]  
Collateral Dependent Impaired loans 360,000
Single Family Residential Mortgage [Member] | Minimum [Member]
  
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]  
Negative adjustment for selling costs and changes in market conditions since appraisal (as a percent) 5.00%
Single Family Residential Mortgage [Member] | Maximum [Member]
  
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]  
Negative adjustment for selling costs and changes in market conditions since appraisal (as a percent) 20.00%
Other real estate owned [Member]
  
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]  
Collateral Dependent Impaired loans $ 7,404,000
Other real estate owned [Member] | Minimum [Member]
  
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]  
Negative adjustment for selling costs and changes in market conditions since appraisal (as a percent) 5.00%
Other real estate owned [Member] | Maximum [Member]
  
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]  
Negative adjustment for selling costs and changes in market conditions since appraisal (as a percent) 20.00%
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EMPLOYEE BENEFITS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
item
Dec. 31, 2012
Dec. 31, 2011
Compensation and Retirement Disclosure [Abstract]      
Employer matching contribution as a percentage of employee contributions 50.00%    
Maximum percentage of employee's compensation eligible for employer contribution match 6.00%    
Expenses recognized related to the 401 (k) plan $ 96,000 $ 98,000 $ 105,000
Number of participants remaining in The Plans 8    
Obligation to contribute to Post Retirement Benefit Plan in event of failure to produce positive returns 0    
Cash surrender value for the contracts 9,948,016 9,619,382  
Amount recognized in noninterest expenses for the SERP and the Post Retirement Benefits Plans 336,000 365,000 376,000
Amount recognized in noninterest income related to the insurance contracts 329,000 342,000 366,000
Expenses incurred related to the Bonus Plan $ 46,000 $ 65,000 $ 78,000
XML 26 R57.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENTS (Details Narrative) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Securities pledged as collateral      
Securities pledged to secure public funds on deposit and for other purposes as required by law, FHLB advances $ 102,728,000 $ 82,428,000  
Line of credit at Federal Reserve Bank discount window 17,700,000 17,700,000  
Gross realized gains (losses) on securities      
Proceeds from sale of securities 2,268,000 7,967,000 9,221,000
Gross realized gains on sale of securities 243,882 681,327 381,702
Gross realized losses on sale of securities       $ 180,281
XML 27 R76.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCK OPTIONS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Shares      
Outstanding-beginning of year (in shares) 89,877 103,553 110,053
Exercised (in shares)       
Expired/Terminated (in shares) (40,600) (13,676) (6,500)
Outstanding-end of year (in shares) 49,277 89,877 103,553
Options exercisable at year-end (in shares) 49,277 89,877 103,553
Shares available for grant 266,309 229,209 219,033
Weighted Average Exercise Price      
Outstanding-beginning of year (in dollars per share) $ 10.58 $ 10.20 $ 10.17
Expired/Terminated (in dollars per share) $ 10.71 $ 7.74 $ 9.70
Outstanding-end of year (in dollars per share) $ 10.47 $ 10.58 $ 10.20
Options exercisable at year-end (in dollars per share) $ 10.47 $ 10.58 $ 10.20
Additional information      
Outstanding, Weighted Average Remaining Contractual Life 3 years 11 months 19 days    
Options exercisable at year-end, Weighted Average Remaining Contractual Life 3 years 2 months 5 days    
Additional information      
Total fair value of options vested     $ 2,600,000
Total compensation cost recognized $ 0 $ 0 $ 0
Maximum [Member]
      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Term of the stock incentive option 10 years    
Minimum [Member]
      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Percentage of outstanding common stock owned by a participant 10.00%    
Participant With More Than 10 Percent Ownership Interest [Member]
      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Term of the stock incentive option 5 years    
Participant With More Than 10 Percent Ownership Interest [Member] | Maximum [Member]
      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Purchase price as a percentage of the fair market value of common stock 110.00%    
XML 28 R86.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL INFORMATION OF CITIZENS BANCSHARES CORPORATION (PARENT ONLY) (Details 3) (USD $)
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Cash flows from operating activities:                      
Net income $ 476,000 $ 330,000 $ 271,000 $ 272,000 $ 615,000 $ 268,000 $ (247,000) $ 133,000 $ 1,348,773 $ 768,823 $ 268,626
Adjustments to reconcile net income to net cash provided by (used in) operating activities:                      
Restricted stock based compensation plan                 (106,829) 139,062 5,062
Change in other assets                 493,770 1,874,192 1,580,054
Net cash provided by operating activities                 4,604,402 9,152,888 6,725,110
Cash flows from financing activities:                      
Common stock dividend paid                 (171,744) (169,242) (168,663)
Preferred stock dividend paid                 (236,820) (236,820) (236,820)
Proceeds from issuance of common stock                 180,657 35,890 16,001
Cash:                      
Cash and cash equivalents, beginning of period       40,186,477       33,451,661 40,186,477 33,451,661 23,797,498
Cash and cash equivalents at end of period 29,166,671       40,186,477       29,166,671 40,186,477 33,451,661
Supplemental disclosures of cash flow information:                      
Interest                 939,420 1,130,336 1,695,829
Income taxes                 26,000 27,615 11,628
Parent Company [Member]
                      
Cash flows from operating activities:                      
Net income                 1,348,773 768,823 268,626
Adjustments to reconcile net income to net cash provided by (used in) operating activities:                      
Equity in undistributed earnings of the subsidiary                 (1,048,188) (1,034,908) (433,168)
Restricted stock based compensation plan                 (106,829) 139,062 5,062
Change in other assets                 (92,357) (143,313) (21,895)
Change in other liabilities                 (6,398) 86,636 (22,585)
Net cash provided by operating activities                 95,001 (183,700) (203,960)
Cash flows from financing activities:                      
Common stock dividend paid                 (171,744) (169,242) (168,663)
Preferred stock dividend paid                 (236,820) (236,820) (236,820)
Net purchase of treasury stock                 (61,423) (9,815) (5,372)
Proceeds from issuance of common stock                 180,657 35,890 16,001
Net cash used in financing activities                 (289,330) (379,987) (394,854)
Net change in cash                 (194,329) (563,687) (598,814)
Cash:                      
Cash and cash equivalents, beginning of period       204,166       767,853 204,166 767,853 1,366,667
Cash and cash equivalents at end of period 9,837       204,166       9,837 204,166 767,853
Supplemental disclosures of cash flow information:                      
Interest                         
Income taxes                 $ 26,000 $ 27,615 $ 8,000
XML 29 R81.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCKHOLDERS' EQUITY (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Total capital (to risk weighted assets):      
Actual, Amount $ 44,601,000 $ 44,422,000  
For Capital Adequacy Purposes, Amount 18,768,000 19,038,000  
Actual, Ratio (as a percent) 19.00% 19.00%  
For Capital Adequacy Purposes, Ratio (as a percent) 8.00% 8.00%  
Tier I capital (to risk weighted assets):      
Actual, Amount 41,665,000 41,441,000  
For Capital Adequacy Purposes, Amount 9,384,000 9,519,000  
Actual, Ratio (as a percent) 18.00% 17.00%  
For Capital Adequacy Purposes, Ratio (as a percent) 4.00% 4.00%  
Tier I capital (to average assets):      
Actual, Amount 41,665,000 41,441,000  
For Capital Adequacy Purposes, Amount 15,600,000 15,455,000  
Actual, Ratio (as a percent) 11.00% 11.00%  
For Capital Adequacy Purposes, Ratio (as a percent) 4.00% 4.00%  
Dividend Limitation      
Dividends paid on common stock 171,744 169,242 168,663
Dividend payout rate per common share (in dollars per share) $ 0.08    
Cash dividends paid on preferred stock issued to the Treasury 236,820 236,820 236,820
Subsidiaries [Member]
      
Total capital (to risk weighted assets):      
Actual, Amount 44,376,000 44,099,000  
For Capital Adequacy Purposes, Amount 18,779,000 19,019,000  
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount 23,473,000 23,774,000  
Actual, Ratio (as a percent) 19.00% 19.00%  
For Capital Adequacy Purposes, Ratio (as a percent) 8.00% 8.00%  
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio (as a percent) 10.00% 10.00%  
Tier I capital (to risk weighted assets):      
Actual, Amount 41,441,000 41,121,000  
For Capital Adequacy Purposes, Amount 9,389,000 9,510,000  
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount 14,084,000 14,265,000  
Actual, Ratio (as a percent) 18.00% 17.00%  
For Capital Adequacy Purposes, Ratio (as a percent) 4.00% 4.00%  
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio (as a percent) 6.00% 6.00%  
Tier I capital (to average assets):      
Actual, Amount 41,441,000 41,121,000  
For Capital Adequacy Purposes, Amount 15,634,000 15,447,000  
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 19,543,000 $ 19,309,000  
Actual, Ratio (as a percent) 11.00% 11.00%  
For Capital Adequacy Purposes, Ratio (as a percent) 4.00% 4.00%  
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio (as a percent) 5.00% 5.00%  
Subsidiaries [Member] | Minimum [Member]
      
Dividend Limitation      
Dividend payments approval by the regulatory agencies as a percentage of subsidiary net income for the prior period 50.00%    
XML 30 R87.htm IDEA: XBRL DOCUMENT v2.4.0.8
QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) (USD $)
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Quarterly Financial Data Details                      
Interest Income $ 3,582,000 $ 3,482,000 $ 3,429,000 $ 3,273,000 $ 3,475,000 $ 3,984,000 $ 4,136,000 $ 3,935,000 $ 13,765,959 $ 15,529,672 $ 16,093,364
Interest expense 212,000 224,000 232,000 235,000 235,000 248,000 272,000 297,000 903,267 1,051,530 1,526,870
Net interest income 3,370,000 3,258,000 3,197,000 3,038,000 3,240,000 3,736,000 3,864,000 3,638,000 12,862,692 14,478,142 14,566,494
Provision for loan losses (25,000) 175,000 50,000 225,000 375,000 525,000 750,000 750,000 425,000 2,400,000 3,882,409
Non-interest income 986,000 1,059,000 1,199,000 1,237,000 1,607,000 1,305,000 1,565,000 1,472,000 4,481,119 5,948,861 5,460,858
Non-interest expense 4,006,000 3,801,000 4,101,000 3,813,000 4,098,000 4,298,000 5,387,000 4,376,000 15,720,844 18,159,250 16,958,874
Income (loss) before income taxes 375,000 341,000 245,000 237,000 374,000 218,000 (708,000) (16,000) 1,197,967 (132,247) (813,931)
Income tax expense (benefit) (101,000) 11,000 (26,000) (35,000) (241,000) (50,000) (461,000) (149,000) 150,806 901,070 1,082,557
Net income 476,000 330,000 271,000 272,000 615,000 268,000 (247,000) 133,000 1,348,773 768,823 268,626
Preferred dividends 60,000 59,000 59,000 59,000 60,000 59,000 59,000 59,000 236,820 236,820 236,820
Net income (loss) available to common stockholders $ 416,000 $ 271,000 $ 212,000 $ 213,000 $ 555,000 $ 209,000 $ (306,000) $ 74,000 $ 1,111,953 $ 532,003 $ 31,806
Net income per common share - basic $ 0.19 $ 0.13 $ 0.1 $ 0.1         $ 0.52 $ 0.25 $ 0.02
Net income per common share - diluted $ 0.18 $ 0.13 $ 0.1 $ 0.1         $ 0.51 $ 0.25 $ 0.02
Net income (loss) per common share - basic and diluted         $ 0.26 $ 0.1 $ (0.14) $ 0.03      
XML 31 R77.htm IDEA: XBRL DOCUMENT v2.4.0.8
NET INCOME (LOSS) PER COMMON AND COMMON EQUIVALENT SHARE (Details) (USD $)
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Earnings Per Share [Abstract]                      
Potentially dilutive options outstanding                 49,277 89,877 103,553
Net Income (Numerator)                      
Basic earnings (loss) available to common stockholders $ 416,000 $ 271,000 $ 212,000 $ 213,000 $ 555,000 $ 209,000 $ (306,000) $ 74,000 $ 1,111,953 $ 532,003 $ 31,806
Nonvested restricted stock grant                         
Effect of dilutive securities: options to purchase common shares                         
Diluted earnings (loss)                 $ 1,111,953 $ 532,003 $ 31,806
Shares (Denominator)                      
Basic (in shares)                 2,152,780 2,157,732 2,120,366
Nonvested restricted stock grant (in shares)                 12,830 7,664 13,822
Effect of dilutive securities: options to purchase common shares (in shares)                         
Diluted (in shares)                 2,165,610 2,165,396 2,134,188
Per Share Amount                      
Basic earnings (loss) per share available to common stockholders (in dollars per share) $ 0.19 $ 0.13 $ 0.1 $ 0.1         $ 0.52 $ 0.25 $ 0.02
Nonvested resticted stock grant (in dollars per share)                 $ (0.01)      
Effect of dilutive securities: options to purchase common shares (in dollars per shares)                         
Diluted earnings (loss) per share (in dollars per share) $ 0.18 $ 0.13 $ 0.1 $ 0.1         $ 0.51 $ 0.25 $ 0.02
XML 32 R71.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Details) (USD $)
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Components of income tax expense                      
Current tax expense (benefit)                 $ 49,090 $ (86,388) $ 675,212
Deferred tax expense (benefit)                 (199,896) (814,682) (1,757,769)
Total income tax (benefit) 101,000 (11,000) 26,000 35,000 241,000 50,000 461,000 149,000 (150,806) (901,070) (1,082,557)
Reconciliation of income tax expense with the amounts computed by applying the statutory federal income tax rate                      
Effective income tax rate on continuing operations (as a percent)                 34.00% 34.00% 34.00%
Income tax expense at statutory rate                 407,309 (44,963) (276,737)
Tax-exempt interest income-net of disallowed interest expense                 (515,458) (593,130) (593,502)
Cash surrender value of life insurance income                 (111,736) (205,634) (125,420)
Other-net                 69,079 (57,343) (86,898)
Income tax (benefit) 101,000 (11,000) 26,000 35,000 241,000 50,000 461,000 149,000 (150,806) (901,070) (1,082,557)
Valuation allowance                      
Increase in valuation allowance                 39,760    
Deferred tax assets:                      
Net operating losses and credits 3,249,677       1,114,223       3,249,677 1,114,223  
Loans, principally due to difference in allowance for loan losses and deferred loan fees 826,499       1,207,696       826,499 1,207,696  
Nonaccrual loan interest 55,364       1,096,904       55,364 1,096,904  
Postretirement benefit accrual, deferred compensation 1,140,791       1,073,002       1,140,791 1,073,002  
Net unrealized loss on securities available for sale 557,165                557,165     
Other real estate owned 610,821       808,479       610,821 808,479  
Other 685,120       1,213,850       685,120 1,213,850  
Gross deferred tax asset 7,125,437       6,514,154       7,125,437 6,514,154  
Valuation allowance (168,234)       (128,474)       (168,234) (128,474)  
Total deferred tax assets 6,957,203       6,385,680       6,957,203 6,385,680  
Deferred tax liabilities:                      
Net unrealized gain on securities available for sale          1,399,858          1,399,858  
Purchased loan discount 34,209       68,417       34,209 68,417  
Premises and equipment 165,493       364,990       165,493 364,990  
Other 121,217       73,050       121,217 73,050  
Total deferred tax liabilities 320,919       1,906,315       320,919 1,906,315  
Net deferred tax assets $ 6,636,284       $ 4,479,365       $ 6,636,284 $ 4,479,365  
XML 33 R25.htm IDEA: XBRL DOCUMENT v2.4.0.8
QUARTERLY FINANCIAL DATA (UNAUDITED)
 12 Months Ended
Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]  
QUARTERLY FINANCIAL DATA (UNAUDITED)
  17. QUARTERLY FINANCIAL DATA (UNAUDITED)

The following table presents the Company’s quarterly financial data for the years ended December 31, 2013 and 2012 (amounts in thousands, except per share amounts):

 

    First   Second   Third   Fourth
    Quarter   Quarter   Quarter   Quarter
    2013   2013   2013   2013
                 
Interest Income   $ 3,273     $ 3,429     $ 3,482     $ 3,582  
Interest expense     235       232       224       212  
Net Interest income     3,038       3,197       3,258       3,370  
                                 
Provision for loan losses     225       50       175       (25 )
Non-interest income     1,237       1,199       1,059       986  
Non-interest expense     3,813       4,101       3,801       4,006  
Income before income taxes     237       245       341       375  
                                 
Income tax expense (benefit)     (35 )     (26 )     11       (101 )
                                 
Net income     272       271       330       476  
                                 
Preferred dividends     59       59       59       60  
                                 
Net income available to common stockholders   $ 213     $ 212     $ 271     $ 416  
                                 
Net income per common share - basic   $ 0.10     $ 0.10     $ 0.13     $ 0.19  
Net income per common share - diluted   $ 0.10     $ 0.10     $ 0.13     $ 0.18  

 

    First   Second   Third   Fourth
    Quarter   Quarter   Quarter   Quarter
    2012   2012   2012   2012
                 
Interest Income   $ 3,935     $ 4,136     $ 3,984     $ 3,475  
Interest expense     297       272       248       235  
Net Interest income     3,638       3,864       3,736       3,240  
                                 
Provision for loan losses     750       750       525       375  
Non-interest income     1,472       1,565       1,305       1,607  
Non-interest expense     4,376       5,387       4,298       4,098  
Income (loss) before income taxes     (16 )     (708 )     218       374  
                                 
Income tax (benefit)     (149 )     (461 )     (50 )     (241 )
                                 
Net income (loss)     133       (247 )     268       615  
                                 
Preferred dividends     59       59       59       60  
                                 
Net income (loss) available to common stockholders   $ 74     $ (306 )   $ 209     $ 555  
                                 
Net income (loss) per common share - basic and diluted   $ 0.03     $ (0.14 )   $ 0.10     $ 0.26  
XML 34 R50.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 6) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Goodwill and Intangible Assets Disclosure [Abstract]      
Period over which the deposit assumption premiums are amortized 7 years    
Gross Carrying Amount, Goodwill $ 362,139 $ 362,139  
Amortized intangible asset:      
Gross Carrying Amount, Core deposit intangibles 3,303,427 3,303,427  
Accumulated Amortization, Core deposit intangibles 2,241,611 1,769,693  
Aggregate amortization expense of core deposit intangibles $ 471,918 $ 471,918 $ 471,918
XML 35 R42.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUPPLEMENTARY INCOME STATEMENT INFORMATION (Tables)
 12 Months Ended
Dec. 31, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Schedule of the components of other operating expenses in excess of 1% of total interest income and other income
    For the years ended
    2013   2012   2011
             
Professional services—legal   $ 438,208     $ 457,422     $ 596,841  
Professional services—other     723,505       537,527       561,831  
Stationery and supplies     200,116       229,104       204,082  
Advertising     154,389       132,700       151,765  
Data processing     664,240       623,156       529,359  
ATM charges     167,728       200,314       219,069  
Telephone     305,279       307,374       304,156  
FDIC insurance premium     533,447       652,515       647,804  
Amortization of core deposit intangible     471,918       471,918       471,918  
Security and protection expense     389,614       420,707       469,576  
Other benefit expenses     336,066       365,409       375,548  
Other miscellaneous expenses     1,584,134       1,487,643       1,495,308  
                         
    $ 5,968,644     $ 5,885,789     $ 6,027,257  
XML 36 R75.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND CONTINGENCIES (Details 2) (USD $)
 12 Months Ended 0 Months Ended 12 Months Ended 0 Months Ended 1 Months Ended 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2007
Oct. 26, 2006
Main Office [Member]
Dec. 31, 2013
Main Office [Member]
item
Jun. 01, 2007
Branch Location [Member]
Jul. 01, 2007
Branch Location [Member]
Dec. 31, 2013
Branch Location [Member]
item
Operating Leased Assets [Line Items]                  
Lease term         10 years   7 years    
Monthly payments required for the first year under lease         $ 29,466        
Percentage of increase per year in monthly payments after first year         3.00%        
Number of renewal options           1     2
Term of renewal option           5 years     5 years
Operating leases, monthly payments for four years             5,500    
Monthly payment amount term one               4 years  
Operating leases, monthly payments for three years             6,000    
Monthly payment amount term two               3 years  
Renewed Operating leases, monthly payments for next three years           6,300      
Renewed Operating leases, monthly payments for next two years after first option           6,722      
2014 541,972                
2015 551,831                
2016 440,869                
2017 78,908                
2018 and Thereafter 162,540                
Total future minimum lease payments 1,776,120                
Rent expense 542,000 523,000 495,000            
Legal fees awarded       200,000          
Settlement amount in judgment levied against the company       $ 100,000          
XML 37 R37.htm IDEA: XBRL DOCUMENT v2.4.0.8
NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE (Tables)
 12 Months Ended
Dec. 31, 2013
Earnings Per Share [Abstract]  
Schedule of reconciliation of the numerators and denominator of the basic and diluted net income per common and potential common share
    Net Income   Shares   Per Share
    (Numerator)   (Denominator)   Amount
             
Year ended December 31, 2013                        
                         
Basic earnings per share available to common stockholders   $ 1,111,953       2,152,780     $ 0.52  
Nonvested restricted stock grant     —         12,830       (0.01 )
Effect of dilutive securities: options to purchase common shares     —         —         —    
Diluted earnings per share   $ 1,111,953       2,165,610     $ 0.51  
                         
Year ended December 31, 2012                        
                         
Basic earnings per share available to common stockholders   $ 532,003       2,157,732     $ 0.25  
Nonvested restricted stock grant     —         7,664       —    
Effect of dilutive securities: options to purchase common shares     —         —         —    
Diluted earnings per share   $ 532,003       2,165,396     $ 0.25  
                         
Year ended December 31, 2011                        
                         
Basic earnings per share available to common stockholders   $ 31,806       2,120,366     $ 0.02  
Nonvested restricted stock grant     —         13,822       —    
Effect of dilutive securities: options to purchase common shares     —         —         —    
Diluted earnings per share   $ 31,806       2,134,188     $ 0.02  
XML 38 R52.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 8) (USD $)
 12 Months Ended 0 Months Ended 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2012
Restricted Stock [Member]
Officer [Member]
Dec. 31, 2011
Restricted Stock [Member]
Officer [Member]
Dec. 31, 2014
Restricted Stock [Member]
Officers and Chief Executive Officer [Member]
Dec. 31, 2013
Restricted Stock [Member]
Officers and Chief Executive Officer [Member]
Dec. 31, 2012
Restricted Stock [Member]
Officers and Chief Executive Officer [Member]
Feb. 22, 2012
Restricted Stock [Member]
Chief Executive Officer [Member]
Dec. 31, 2012
Restricted Stock [Member]
Chief Executive Officer [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]                    
Options granted (in shares) 0 0 0              
Number of nonvested shares of common stock issued to certain officers         11,000 8,500 13,500 12,500 5,000 4,000
Grant price (in dollars per share)         $ 4.20   $ 5.98 $ 4.05 $ 4.20  
Cliff vesting rights (as a percent)       100.00%   100.00%        
Vesting rights (as a percent)             100.00%   100.00% 50.00%
XML 39 R67.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details Narrative 2)
 12 Months Ended
Dec. 31, 2013
Loans and Leases Receivable Disclosure [Abstract]  
Minimum period of restructured loan past due 90 days
XML 40 R61.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Activity in allowance for loan losses by portfolio segment      
Beginning balance $ 3,509,367 $ 3,955,731 $ 4,188,022
Provision for loan losses 425,000 2,400,000 3,882,409
Loans charged-off (1,485,514) (3,068,905) (4,301,629)
Recoveries on loans charged-off 707,969 222,541 186,929
Ending Balance 3,156,822 3,509,367 3,955,731
Commercial Financial and Agricultural Portfolio Segment [Member]
      
Activity in allowance for loan losses by portfolio segment      
Beginning balance 433,000 394,000 365,000
Provision for loan losses (68,000) 27,000 262,000
Loans charged-off (22,000) (21,000) (262,000)
Recoveries on loans charged-off 41,000 33,000 29,000
Ending Balance 384,000 433,000 394,000
Commercial Real Estate Portfolio Segment [Member]
      
Activity in allowance for loan losses by portfolio segment      
Beginning balance 1,853,000 2,206,000 2,616,000
Provision for loan losses 127,000 1,761,000 1,852,000
Loans charged-off (710,000) (2,138,000) (2,302,000)
Recoveries on loans charged-off 451,000 24,000 40,000
Ending Balance 1,721,000 1,853,000 2,206,000
Single Family Residential Mortgage [Member]
      
Activity in allowance for loan losses by portfolio segment      
Beginning balance 803,000 696,000 376,000
Provision for loan losses 361,000 646,000 1,049,000
Loans charged-off (554,000) (625,000) (749,000)
Recoveries on loans charged-off 121,000 86,000 20,000
Ending Balance 731,000 803,000 696,000
Construction and Development Portfolio Segment [Member]
      
Activity in allowance for loan losses by portfolio segment      
Beginning balance 177,000 449,000 290,000
Provision for loan losses (56,000) (140,000) 932,000
Loans charged-off (30,000) (136,000) (773,000)
Recoveries on loans charged-off 35,000 4,000   
Ending Balance 126,000 177,000 449,000
Consumer Portfolio Segment [Member]
      
Activity in allowance for loan losses by portfolio segment      
Beginning balance 243,000 211,000 541,000
Provision for loan losses 61,000 106,000 (212,000)
Loans charged-off (169,000) (149,000) (216,000)
Recoveries on loans charged-off 60,000 75,000 98,000
Ending Balance $ 195,000 $ 243,000 $ 211,000
XML 41 R47.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 3) (USD $)
 12 Months Ended
Dec. 31, 2013
item
Dec. 31, 2012
Dec. 31, 2011
SummaryOfSignificantAccountingPoliciesLineItems [Line Items]      
Number of categories in which debt and equity securities are classified 3    
Investment securities classified as trading securities $ 0 $ 0 $ 0
Other-than-temporary impairment for securities 0 0 0
Cash Reserve Requirement Average Demand Deposit Criterion Two [Member]
      
SummaryOfSignificantAccountingPoliciesLineItems [Line Items]      
Cash reserve requirement, deposit with FRB as a percentage of daily average demand deposit balance 10.00%    
Cash Reserve Requirement Average Demand Deposit Criterion One [Member]
      
SummaryOfSignificantAccountingPoliciesLineItems [Line Items]      
Cash reserve requirement, deposit with FRB as a percentage of daily average demand deposit balance 3.00%    
Minimum [Member] | Cash Reserve Requirement Average Demand Deposit Criterion Two [Member]
      
SummaryOfSignificantAccountingPoliciesLineItems [Line Items]      
Cash reserve requirement, daily average demand deposit balance   79,500,000  
Minimum [Member] | Cash Reserve Requirement Average Demand Deposit Criterion One [Member]
      
SummaryOfSignificantAccountingPoliciesLineItems [Line Items]      
Cash reserve requirement, daily average demand deposit balance   12,400,000  
Maximum [Member] | Cash Reserve Requirement Average Demand Deposit Criterion One [Member]
      
SummaryOfSignificantAccountingPoliciesLineItems [Line Items]      
Cash reserve requirement, daily average demand deposit balance   $ 79,500,000  
XML 42 R9.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Business—Citizens Bancshares Corporation and subsidiary (the “Company”) is a holding company that provides a full range of commercial banking to individual and corporate customers in its primary market areas, metropolitan Atlanta and Columbus, Georgia, and Birmingham and Eutaw, Alabama through its wholly owned subsidiary, Citizens Trust Bank (the “Bank”). The Bank operates under a state charter and serves its customers through seven full-service branches in metropolitan Atlanta, one full-service branch in Columbus, Georgia, one full-service branch in Birmingham, Alabama, and one full-service branch in Eutaw, Alabama. All significant intercompany accounts and transactions have been eliminated in consolidation.

Basis of Presentation—Theconsolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and with general practices within the banking industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts in the consolidated financial statements. Actual results could differ significantly from those estimates. Material estimates common to the banking industry that are particularly susceptible to significant change in the near term are the allowance for loan losses, the valuation of allowances associated with the recognition of deferred tax assets and the value of foreclosed real estate and intangible assets.

Troubled Asset Relief Program—On August 13, 2010, as part of the U.S. Department of the Treasury (the “Treasury”) Troubled Asset Relief Program (“TARP”) Community Development Capital Initiative, the Company entered into a Letter Agreement, and an Exchange Agreement–Standard Terms (“Exchange Agreement”), with the Treasury, pursuant to which the Company agreed to exchange 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (“Series A Preferred Shares”), issued on March 6, 2009, pursuant to the Company’s participation in the TARP Capital Purchase Program, for 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series B (“Series B Preferred Shares”), both of which have a liquidation preference of $1,000 (the “Exchange Transaction”). No new monetary consideration was exchanged in connection with the Exchange Transaction. The Exchange Transaction closed on August 13, 2010 (the “Closing Date”).

On September 17, 2010, the Company issued 4,379 shares of its Series C Preferred Shares to the Treasury as part of its TARP Community Development Capital Initiative for a total of 11,841 shares of Series B and C Preferred Shares issued to the Treasury. The issuance of the Series B and Series C Preferred Shares was a private placement exempt from registration pursuant to Section 4(2) of the Securities Act of 1933, as amended.

The Series B and Series C Preferred Shares qualify as Tier 1 capital and will pay cumulative dividends at a rate of 2% per annum for the first eight years after the Closing Date and 9% per annum thereafter. The Company may, subject to consultation with the Federal Reserve Bank of Atlanta, redeem the Series B and Series C Preferred Shares at any time for its aggregate liquidation amount plus any accrued and unpaid dividends.

Cash and Cash Equivalents—Cash and cash equivalents include cash on hand and amounts due from banks, interest-bearing deposits with banks and federal funds sold. The Federal Reserve Bank (the “FRB”) requires the Company to maintain a required cash reserve balance on deposit with the FRB, based on the Company’s daily average balance with the FRB. This reserve requirement represents 3% of the Company’s daily average demand deposit balance between $12.4 million and $79.5 million and 10% of the Company’s daily average demand deposit balance above $79.5 million. The required reserve was satisfied by the Company’s vault cash. 

Interest-bearing Deposits with Banks—Substantially all of the Company’s interest-bearing deposits with banks represent funds maintained on deposit at the Federal Reserve Bank of Atlanta (the ‘FRB”) and the Federal Home Loan Bank of Atlanta (FHLB). These funds fluctuate daily and are used to manage the Company’s liquidity and borrowing position. Funds can be withdrawn daily from this account and accordingly, the carrying amount of this account is at cost which is deemed to be a reasonable estimate of fair value.

Other Investments— Other investments consist of Federal Home Loan Bank stock and Federal Reserve Bank stock which are restricted and have no readily determinable market value. These investments are carried at cost.

Investment Securities—The Company classifies investments in one of three categories based on management’s intent upon purchase: held to maturity securities which are reported at amortized cost, trading securities which are reported at fair value with unrealized holding gains and losses included in earnings, and available for sale securities which are recorded at fair value with unrealized holding gains and losses included as a component of accumulated other comprehensive income (loss). The Company had no investment securities classified as trading securities during 2013, 2012, or 2011.

Premiums and discounts on available for sale and held to maturity securities are amortized or accreted using a method which approximates a level yield. Amortization and accretion of premiums and discounts are presented within investment securities interest income on the Consolidated Statements of Income.

Gains and losses on sales of investment securities are recognized upon disposition, based on the adjusted cost of the specific security. A decline in market value of any security below cost that is deemed other than temporary is charged to earnings resulting in the establishment of a new cost basis for the security. The determination of whether an other-than-temporary impairment has occurred involves significant assumptions, estimates, changes in economic conditions and judgment by management. There was no other-than-temporary impairment for securities recorded during 2013, 2012 or 2011.

Loans Receivable and Allowance for Loan Losses—Loans are reported at principal amounts outstanding plus direct origination costs, net of loan fees and any direct charge-offs. Interest income is recognized over the term of the loan based on the principal amount outstanding. Loan fees and certain direct origination costs are deferred and amortized over the estimated terms of the loans using the level yield method. Premiums and discounts on loans purchased are amortized and accreted using the level yield method over the estimated remaining life of the loan purchased. The accretion and amortization of loan fees, origination costs, and premiums and discounts are presented as a component of loan interest income on the Consolidated Statements of Income.

Management considers a loan to be impaired when, based on current information and events, there is a potential that all amounts due according to the contractual terms of the loan may not be collected. Impaired loans are measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, or at the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent.

Loans are generally placed on nonaccrual status when the full and timely collection of principal or interest becomes uncertain or the loan becomes contractually in default for 90 days or more as to either principal or interest, unless the loan is well collateralized and in the process of collection. When a loan is placed on nonaccrual status, current period accrued and uncollected interest is charged-off against interest income on loans unless management believes the accrued interest is recoverable through the liquidation of collateral. Loans are returned to accrual status when payment has been made according to the terms and conditions of the loan for a continuous six month period. 

The Company provides for estimated losses on loans receivable when any significant and permanent decline in value occurs. These estimates for losses are based on individual assets and their related cash flow forecasts, sales values, independent appraisals, the volatility of certain real estate markets, and concern for disposing of real estate in distressed markets. For loans that are pooled for purposes of determining necessary provisions, estimates are based on loan types, history of charge-offs, and other delinquency analyses. Therefore, the value used to determine the provision for losses is subject to the reasonableness of these estimates. The adequacy of the allowance for loan losses is reviewed on a monthly basis by management and the Board of Directors. This assessment is made in the context of historical losses as well as existing economic conditions, performance trends within specific portfolio segments, and individual concentrations of credit.

Loans are charged-off against the allowance when, in the opinion of management, such loans are deemed to be uncollectible and subsequent recoveries are added to the allowance.

Troubled Debt Restructurings—Loans to be restructured are identified based on an assessment of the borrower’s credit status, which involves, but is not limited to, a review of financial statements, payment delinquency, non-accrual status, and risk rating. Determining the borrower’s credit status is a continual process that is performed by the Company’s staff with periodic participation from an independent external loan review group.

 

Troubled debt restructurings (“TDR”) generally occur when a borrower is experiencing, or is expected to experience, financial difficulties in the near-term and it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company seeks to assist these borrowers by working with them to prevent further difficulties, and ultimately to improve the likelihood of recovery on the loan while ensuring compliance with the Federal Financial Institutions Examination Council (FFIEC) guidelines. To facilitate this process, a formal concessionary modification that would not otherwise be considered may be granted resulting in classification of the loan as a TDR.

 

The modification may include a change in the interest rate or the payment amount or a combination of both. Substantially all modifications completed under a formal restructuring agreement are considered TDRs. Modifications can involve loans remaining on nonaccrual, moving to nonaccrual, or continuing on accruing status, depending on the individual facts and circumstances of the borrower. These restructurings rarely result in the forgiveness of principal or interest. Nonperforming commercial TDRs may be returned to accrual status based on a current, well-documented credit evaluation of the borrower’s financial condition and prospects for repayment under the modified terms. This evaluation must include consideration of the borrower’s sustained historical repayment performance for a reasonable period (generally a minimum of six months) prior to the date on which the loan is returned to accrual status.

 

With respect to commercial TDRs, an analysis of the credit evaluation, in conjunction with an evaluation of the borrower’s performance prior to the restructuring, are considered when evaluating the borrower’s ability to meet the restructured terms of the loan agreement. Nonperforming commercial TDRs may be returned to accrual status based on a current, well-documented credit evaluation of the borrower’s financial condition and prospects for repayment under the modified terms. This evaluation must include consideration of the borrower’s sustained historical repayment performance for a reasonable period (generally a minimum of six months) prior to the date on which the loan is returned to accrual status.

 

In connection with consumer loan TDRs, a nonperforming loan will be returned to accruing status when current as to principal and interest and upon a sustained historical repayment performance (generally a minimum of six months).

Premises and Equipment—Premises and equipment are stated at cost less accumulated depreciation which is computed using the straight-line method over the estimated useful lives of the related assets. When assets are retired or otherwise disposed, the cost and related accumulated depreciation are removed from the accounts, and any resulting gain or loss is reflected in earnings for the period. The costs of maintenance and repairs, which do not improve or extend the useful life of the respective assets, are charged to earnings as incurred, whereas significant renewals and improvements are capitalized. The range of estimated useful lives for premises and equipment is as follows:

Buildings and improvements     5-40 years  
Furniture and equipment     3-10 years  

 

Other Real Estate Owned—Other real estate owned is reported at the lower of cost or fair value less estimated disposal costs, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources. Any excess of the loan balance at the time of foreclosure over the fair value of the real estate held as collateral is treated as a charge-off against the allowance for loan losses. Any subsequent declines in value are charged to earnings. Transactions in other real estate owned for the years ended December 31, 2013 and 2012 are summarized below:

    Years Ended December 31,
    2013   2012
         
Balance—beginning of year   $ 8,194,955     $ 10,075,837  
Additions     3,901,588       4,660,558  
Sales     (4,076,267 )     (4,074,188 )
Write downs     (615,839 )     (2,467,252 )
                 
Balance—end of year   $ 7,404,437     $ 8,194,955  

 

Intangible Assets—Finite lived intangible assets of the Company represent deposit assumption premiums recorded upon the purchase of certain assets and liabilities from other financial institutions. Deposit assumption premiums are amortized over seven years, the estimated average lives of the deposits acquired, using the straight-line method and are included within other assets on the Consolidated Balance Sheets.

The Company reviews the carrying value of goodwill on an annual basis and on an interim basis if certain events or circumstances indicate that an impairment loss may have been incurred. An impairment charge is recognized if the carrying value of the reporting unit’s goodwill exceeds its implied fair value.

 

The following table presents information about our intangible assets:

    December 31, 2013   December 31, 2012
    Gross Carrying Amount   Accumulated Amortization   Gross Carrying Amount   Accumulated Amortization
                 
Unamortized intangible asset:                                
Goodwill   $ 362,139     $ —       $ 362,139     $ —    
                                 
                                 
Amortized intangible asset:                                
Core deposit intangibles   $ 3,303,427     $ 2,241,611     $ 3,303,427     $ 1,769,693  

 

The following table presents information about aggregate amortization expense for each of the three succeeding fiscal years as follows:

    For the Years Ended December 31,
    2013   2012   2011
             
Aggregate amortization expense of core deposit intangibles   $ 471,918     $ 471,918     $ 471,918  
                         
Estimated aggregate amortization expense of core deposit intangibles for the year ending December 31:                        
                         
2014   $ 471,918                  
2015   $ 471,918                  
2016   $ 117,980                  
2017 and thereafter   $ —                     

 

Income Taxes—Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date.

In the event the future tax consequences of differences between the financial reporting bases and the tax bases of the Company’s assets and liabilities result in deferred tax assets, an evaluation of the probability of being able to realize the future benefits indicated by such assets is required. A valuation allowance is provided for the portion of a deferred tax asset when it is more likely than not that some portion or all of the deferred tax asset will not be realized. In assessing the realizability of the deferred tax assets, management considers the scheduled reversals of deferred tax liabilities, projected future taxable income, and tax planning strategies.

Net Income Available to Common Stockholders—Basic net income per common share (“EPS”) is computed based on net income divided by the weighted average number of common shares outstanding. Diluted EPS is computed based on net income available to common stockholders divided by the weighted average number of common and potential common shares. The only potential common share equivalents are those related to stock options and nonvested restricted stock grants. Common share equivalents which are anti-dilutive are excluded from the calculation of diluted EPS.

Stock Based Compensation—The fair value of each stock option award is estimated on the date of grant using a Black-Scholes valuation model. Expected volatility is based on the historical volatility of the Company’s stock, using daily price observations over the expected term of the stock options. The expected term represents the period of time that stock options granted are expected to be outstanding and is derived from historical data which is used to evaluate patterns such as stock option exercise and employee termination. The expected dividend yield is based on recent dividend history. The risk-free interest rate is derived from the U.S. Treasury yield curve in effect at the time of grant based on the expected life of the option. 

 

There were no options granted in 2013,2012, and 2011.

 

In 2011, 11,000 nonvested restricted shares of common stock were issued to certain officers at a grant price of $4.20. The 2011 restricted common stock vested 100% (Cliff vesting) on December 31, 2012.

In 2012, 12,500 nonvested restricted shares of common stock were issued to certain officers and the Chief Executive Officer (CEO)at a grant price of $4.05. A total of 4,000 restricted shares were issued to the CEO which vest 50% on December 31, 2012and 50% on December 31, 2014, subject to TARP guidelines. The remaining 8,500 shares of restricted stock will vest 100% (Cliff vesting) on December 31, 2014. In addition, on February 22, 2012 a special 5,000 nonvested restricted share issuance was made to the interim, and now permanent, Chief Executive Officerat a grant price of $4.20 which vested 100% on the grant date. Also on February 22, 2012, 5,000 nonvested restricted shares were issued to the former CEO at a grant price of $4.20. These restricted common stock grants vested 100% on the death of the former CEO, subject to TARP guidelines.

In 2013, 13,500 nonvested restricted shares of common stock were issued to certain officers and the Chief Executive Officer (CEO) at a grant price of $5.98. The 2013 restricted common stock will vest 100% (Cliff vesting) on January 1, 2016.

Recently Issued Accounting Standards—The Comprehensive Income topic of the ASC was amended in June 2011. The amendment eliminated the option to present other comprehensive income as a part of the statement of changes in stockholders’ equity and required consecutive presentation of the statement of net income and other comprehensive income. The amendments were applicable to the Company January 1, 2012 and have been applied retrospectively. In December 2011, the topic was further amended to defer the effective date of presenting reclassification adjustments from other comprehensive income to net income on the face of the financial statements while the FASB redeliberated the presentation requirements for the reclassification adjustments. In February 2013, the FASB further amended the Comprehensive Income topic clarifying the conclusions from such redeliberations. Specifically, the amendments do not change the current requirements for reporting net income or other comprehensive income in financial statements. However, the amendments do require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, in certain circumstances an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The amendments were effective for the Company on a prospective basis for reporting periods beginning after December 15, 2012. These amendments did not have a material effect on the Company’s financial statements.

In July 2012, the Intangibles topic was amended to permit an entity to consider qualitative factors to determine whether it is more likely than not that indefinite-lived intangible assets are impaired. If it is determined to be more likely than not that indefinite-lived intangible assets are impaired, then the entity is required to determine the fair value of the indefinite-lived intangible asset and perform the quantitative impairment test by comparing the fair value with the carrying amount. The amendments are effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012. Early adoption is permitted. The amendments did not have a material effect on the Company’s financial statements.

In April 2013, the FASB issued guidance addressing application of the liquidation basis of accounting. The guidance is intended to clarify when an entity should apply the liquidation basis of accounting. In addition, the guidance provides principles for the recognition and measurement of assets and liabilities and requirements for financial statements prepared using the liquidation basis of accounting. The amendments will be effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein and those requirements should be applied prospectively from the day that liquidation becomes imminent. Early adoption is permitted. The Company does not expect these amendments to have any effect on its financial statements. 

In December 2013, the FASB amended the Master Glossary of the FASB Codification to define “Public Business Entity” to minimize the inconsistency and complexity of having multiple definitions of, or a diversity in practice as to what constitutes, a nonpublic entity and public entity within U.S. GAAP. The amendment does not affect existing requirements, however will be used by the FASB, the Private Company Council (“PCC”), and the Emerging Issues Task Force (“EITF”) in specifying the scope of future financial accounting and reporting guidance. The Company does not expect this amendment to have any effect on its financial statements.

In January 2014, the FASB amended the Receivables—Troubled Debt Restructurings by Creditors subtopic of the Codification to address the reclassification of consumer mortgage loans collateralized by residential real estate upon foreclosure. The amendments clarify the criteria for concluding that an in substance repossession or foreclosure has occurred, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan. The amendments also outline interim and annual disclosure requirements. The amendments will be effective for the Company for interim and annual reporting periods beginning after December 15, 2014. Companies are allowed to use either a modified retrospective transition method or a prospective transition method when adopting this update. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

 

Reclassifications—Certain prior year amounts have been reclassified to conform to the 2013 presentation. Such reclassifications had no impact on net income or retained earnings as previously reported.
XML 43 R62.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Allocation of allowance for loan losses by portfolio segment        
Specific Reserves, Impaired loans $ 3,000 $ 320,000    
Total specific reserves 3,000 320,000    
General reserves 3,154,000 3,189,000    
Total 3,156,822 3,509,367 3,955,731 4,188,022
Loans individually evaluated for impairment 11,065,000 18,042,000    
Loans collectively evaluated for impairment 174,211,000 172,956,000    
Total 185,276,000 190,998,000    
Commercial Financial and Agricultural Portfolio Segment [Member]
        
Allocation of allowance for loan losses by portfolio segment        
Specific Reserves, Impaired loans          
Total specific reserves          
General reserves 384,000 433,000    
Total 384,000 433,000 394,000 365,000
Loans individually evaluated for impairment          
Loans collectively evaluated for impairment 20,292,000 23,510,000    
Total 20,292,000 23,510,000    
Commercial Real Estate Portfolio Segment [Member]
        
Allocation of allowance for loan losses by portfolio segment        
Specific Reserves, Impaired loans 3,000 319,000    
Total specific reserves 3,000 319,000    
General reserves 1,718,000 1,534,000    
Total 1,721,000 1,853,000 2,206,000 2,616,000
Loans individually evaluated for impairment 10,705,000 17,248,000    
Loans collectively evaluated for impairment 109,475,000 107,991,000    
Total 120,180,000 125,239,000    
Single Family Residential Mortgage [Member]
        
Allocation of allowance for loan losses by portfolio segment        
Specific Reserves, Impaired loans    1,000    
Total specific reserves    1,000    
General reserves 731,000 802,000    
Total 731,000 803,000 696,000 376,000
Loans individually evaluated for impairment 360,000 516,000    
Loans collectively evaluated for impairment 34,504,000 34,007,000    
Total 34,864,000 34,523,000    
Construction and Development Portfolio Segment [Member]
        
Allocation of allowance for loan losses by portfolio segment        
Specific Reserves, Impaired loans          
Total specific reserves          
General reserves 126,000 177,000    
Total 126,000 177,000 449,000 290,000
Loans individually evaluated for impairment    278,000    
Loans collectively evaluated for impairment 3,626,000 1,535,000    
Total 3,626,000 1,813,000    
Consumer Portfolio Segment [Member]
        
Allocation of allowance for loan losses by portfolio segment        
Specific Reserves, Impaired loans          
Total specific reserves          
General reserves 195,000 243,000    
Total 195,000 243,000 211,000 541,000
Loans individually evaluated for impairment          
Loans collectively evaluated for impairment 6,314,000 5,913,000    
Total $ 6,314,000 $ 5,913,000    
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CONDENSED FINANCIAL INFORMATION OF CITIZENS BANCSHARES CORPORATION (PARENT ONLY) (Tables)
 12 Months Ended
Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]  
Schedule of condensed financial statements
    December 31,   December 31,
    2013   2012
Balance Sheets                
Assets:                
  Cash   $ 9,837     $ 204,166  
  Investment in Bank     46,083,430       48,834,169  
  Other assets     321,609       229,252  
                 
    $ 46,414,876     $ 49,267,587  
Liabilities and stockholders’ equity:                
  Total  liabilities   $ 107,084     $ 113,482  
  Stockholders’ equity     46,307,792       49,154,105  
                 
    $ 46,414,876     $ 49,267,587  

 

    For the Years Ended December 31,
    2013   2012   2011
Statements of Income                        
                         
Dividends from subsidiary   $ 500,000     $ —       $ —    
Other revenue     —         3,113       —    
Total revenue   $ 500,000     $ 3,113     $ —    
                         
Total expenses     291,771       412,512       249,311  
                         
Income (loss) before income tax benefit and equity in undistributed earnings of the subsidiary     208,229       (409,399 )     (249,311 )
                         
Income tax benefit     92,356       143,314       84,769  
                         
Income (loss) before equity in undistributed earnings of the subsidiary     300,585       (266,085 )     (164,542 )
                         
Equity in undistributed earnings of the subsidiary     1,048,188       1,034,908       433,168  
                         
Net income     1,348,773       768,823       268,626  

 

  

    Years Ended December 31,
    2013   2012   2011
Statements of Cash Flows                        
                         
Cash flows from operating activities—                        
  Net income   $ 1,348,773     $ 768,823     $ 268,626  
Adjustments to reconcile net income to                        
  net cash provided by (used in) operating activities:                        
  Equity in undistributed earnings of the subsidiary     (1,048,188 )     (1,034,908 )     (433,168 )
  Restricted stock based compensation plan     (106,829 )     139,062       5,062  
  Change in other assets     (92,357 )     (143,313 )     (21,895 )
  Change in other liabilities     (6,398 )     86,636       (22,585 )
Net cash provided by (used in) operating activities     95,001       (183,700 )     (203,960 )
                         
Cash flows from financing activities:                        
  Common stock dividend paid     (171,744 )     (169,242 )     (168,663 )
  Preferred stock dividend paid     (236,820 )     (236,820 )     (236,820 )
  Net purchase of treasury stock     (61,423 )     (9,815 )     (5,372 )
  Proceeds from issuance of common stock     180,657       35,890       16,001  
Net cash used in financing activities     (289,330 )     (379,987 )     (394,854 )
                         
Net change in cash     (194,329 )     (563,687 )     (598,814 )
                         
Cash:                        
  Beginning of year     204,166       767,853       1,366,667  
  End of year   $ 9,837     $ 204,166     $ 767,853  
                         
Supplemental disclosures of cash flow information:                        
  Cash paid during the year for:                        
    Interest   $ —       $ —       $ —    
    Income taxes   $ 26,000     $ 27,615     $ 8,000  
XML 46 R29.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENTS (Tables)
 12 Months Ended
Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]  
Schedule of investment securities available for sale

 

        Gross   Gross    
    Amortized   Unrealized   Unrealized   Fair
    Cost   Gains   Losses   Value
                 
At December 31, 2013:                                
  State, county, and municipal securities   $ 33,734,814     $ 1,096,801     $ 29,827     $ 34,801,788  
  Mortgage-backed securities     99,142,665       347,751       3,223,142       96,267,274  
  Corporate securities     9,806,416       179,876       10,072       9,976,220  
                                 
      Totals   $ 142,683,895     $ 1,624,428     $ 3,263,041     $ 141,045,282  
                                 
At December 31, 2012:                                
  State, county, and municipal securities   $ 36,977,202     $ 2,886,607     $ —       $ 39,863,809  
  Mortgage-backed securities     79,025,394       1,356,627       134,482       80,247,539  
  Corporate securities     9,745,591       135,093       126,508       9,754,176  
                                 
      Totals   $ 125,748,187     $ 4,378,327     $ 260,990     $ 129,865,524  

 
Schedule of investment securities held to maturity
    Gross   Gross    
    Amortized   Unrealized   Unrealized   Fair
    Cost   Gains   Losses   Value
At December 31, 2013:                                
                                 
  State, county, and municipal securities   $ 240,000     $ 420     $ —       $ 240,420  
                                 
At December 31, 2012:                                
                                 
  State, county, and municipal securities   $ 1,356,119     $ 23,796     $ —       $ 1,379,915  

 
Schedule of amortized costs and fair values of investment securities, by contractual maturity
    Held to Maturity   Available for Sale
                 
    Amortized   Fair   Amortized   Fair
    Cost   Value   Cost   Value
                 
Due in one year or less   $ —       $ —       $ —       $ —    
Due after one year through five years     240,000       240,420       12,458,522       12,731,378  
Due after five years through ten years     —         —         29,292,070       29,849,470  
Due after ten years     —         —         100,933,303       98,464,434  
                                 
    $ 240,000     $ 240,420     $ 142,683,895     $ 141,045,282  

 
Schedule of investments' gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealzied loss position
At December 31, 2013:                        
Securities Available for Sale                        
    Securities in a loss position  for       Securities in a loss position  for            
    less than twelve months       twelve months or more       Total    
        Unrealized       Unrealized       Unrealized
    Fair value   losses   Fair value   losses   Fair value   losses
Municipal securities   $ 2,774,777     $ (29,827 )   $ —       $ —       $ 2,774,777     $ (29,827 )
                                                 
Mortgage-backed securities     68,419,947       (2,907,234 )     5,135,792       (315,908 )     73,555,739       (3,223,142 )
                                                 
Corporate securities     1,989,928       (10,072 )     —         —         1,989,928       (10,072 )
                                                 
Total   $ 73,184,652     $ (2,947,133 )   $ 5,135,792     $ (315,908 )   $ 78,320,444     $ (3,263,041 )

 

There were no held to maturity securities in an unrealized loss position at December 31, 2013.

 

At December 31, 2012:                        
Securities Available for Sale                        
    Securities in a loss position  for       Securities in a loss position  for            
    less than twelve months       twelve months or more       Total    
        Unrealized       Unrealized       Unrealized
    Fair value   losses   Fair value   losses   Fair value   losses
Mortgage-backed securities   $ 17,834,180     $ (134,482 )   $ —       $ —       $ 17,834,180     $ (134,482 )
                                                 
Corporate securities     1,984,687       (15,313 )     3,888,804       (111,195 )     5,873,491       (126,508 )
                                                 
Total   $ 19,818,867     $ (149,795 )   $ 3,888,804     $ (111,195 )   $ 23,707,671     $ (260,990 )

 

There were no held to maturity securities in an unrealized loss position at December 31, 2012.

 
XML 47 R28.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)
 12 Months Ended
Dec. 31, 2013
Summary Of Significant Accounting Policies Tables  
Schedule of the range of estimated useful lives for premises and equipment
Buildings and improvements     5-40 years  
Furniture and equipment     3-10 years  

 
Summary of transactions in other real estate owned
    Years Ended December 31,
    2013   2012
         
Balance—beginning of year   $ 8,194,955     $ 10,075,837  
Additions     3,901,588       4,660,558  
Sales     (4,076,267 )     (4,074,188 )
Write downs     (615,839 )     (2,467,252 )
                 
Balance—end of year   $ 7,404,437     $ 8,194,955  

 
Schedule of intangible assets
    December 31, 2013   December 31, 2012
    Gross Carrying Amount   Accumulated Amortization   Gross Carrying Amount   Accumulated Amortization
                 
Unamortized intangible asset:                                
Goodwill   $ 362,139     $ —       $ 362,139     $ —    
                                 
                                 
Amortized intangible asset:                                
Core deposit intangibles   $ 3,303,427     $ 2,241,611     $ 3,303,427     $ 1,769,693  
Schedule of aggregate amortization expense
    For the Years Ended December 31,
    2013   2012   2011
             
Aggregate amortization expense of core deposit intangibles   $ 471,918     $ 471,918     $ 471,918  
                         
Estimated aggregate amortization expense of core deposit intangibles for the year ending December 31:                        
                         
2014   $ 471,918                  
2015   $ 471,918                  
2016   $ 117,980                  
2017 and thereafter   $ —                     

 
XML 48 R56.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENTS (Details 4) (USD $)
Dec. 31, 2013
item
Dec. 31, 2012
item
Securities Available for Sale, Fair value    
Securities in a loss position for less than twelve months $ 73,184,652 $ 19,818,867
Securities in a loss position for twelve months or more 5,135,792 3,888,804
Total 78,320,444 23,707,671
Securities Available for Sale, Unrealized losses    
Securities in a loss position for less than twelve months (2,947,133) (149,795)
Securities in a loss position for twelve months or more (315,908) (111,195)
Total (3,263,041) (260,990)
Number of securities classified as held to maturity in an unrealized loss position 0 0
Available for sale securities portfolio disclosure    
Number of investment securities in an unrealized loss position for more than 12 months 3 2
State, county and municipal securities [Member]
    
Securities Available for Sale, Fair value    
Securities in a loss position for less than twelve months 2,774,777  
Securities in a loss position for twelve months or more     
Total 2,774,777  
Securities Available for Sale, Unrealized losses    
Securities in a loss position for less than twelve months (29,827)  
Securities in a loss position for twelve months or more     
Total (29,827)  
Mortgage Backed Securities [Member]
    
Securities Available for Sale, Fair value    
Securities in a loss position for less than twelve months 68,419,947 17,834,180
Securities in a loss position for twelve months or more 5,135,792   
Total 73,555,739 17,834,180
Securities Available for Sale, Unrealized losses    
Securities in a loss position for less than twelve months (2,907,234) (134,482)
Securities in a loss position for twelve months or more (315,908)   
Total (3,223,142) (134,482)
Corporate Securities [Member]
    
Securities Available for Sale, Fair value    
Securities in a loss position for less than twelve months 1,989,928 1,984,687
Securities in a loss position for twelve months or more    3,888,804
Total 1,989,928 5,873,491
Securities Available for Sale, Unrealized losses    
Securities in a loss position for less than twelve months (10,072) (15,313)
Securities in a loss position for twelve months or more    (111,195)
Total $ (10,072) $ (126,508)
XML 49 R44.htm IDEA: XBRL DOCUMENT v2.4.0.8
QUARTERLY FINANCIAL DATA (Tables)
 12 Months Ended
Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]  
Schedule of the Company's quarterly financial data
    First   Second   Third   Fourth
    Quarter   Quarter   Quarter   Quarter
    2013   2013   2013   2013
                 
Interest Income   $ 3,273     $ 3,429     $ 3,482     $ 3,582  
Interest expense     235       232       224       212  
Net Interest income     3,038       3,197       3,258       3,370  
                                 
Provision for loan losses     225       50       175       (25 )
Non-interest income     1,237       1,199       1,059       986  
Non-interest expense     3,813       4,101       3,801       4,006  
Income before income taxes     237       245       341       375  
                                 
Income tax expense (benefit)     (35 )     (26 )     11       (101 )
                                 
Net income     272       271       330       476  
                                 
Preferred dividends     59       59       59       60  
                                 
Net income available to common stockholders   $ 213     $ 212     $ 271     $ 416  
                                 
Net income per common share - basic   $ 0.10     $ 0.10     $ 0.13     $ 0.19  
Net income per common share - diluted   $ 0.10     $ 0.10     $ 0.13     $ 0.18  

 

    First   Second   Third   Fourth
    Quarter   Quarter   Quarter   Quarter
    2012   2012   2012   2012
                 
Interest Income   $ 3,935     $ 4,136     $ 3,984     $ 3,475  
Interest expense     297       272       248       235  
Net Interest income     3,638       3,864       3,736       3,240  
                                 
Provision for loan losses     750       750       525       375  
Non-interest income     1,472       1,565       1,305       1,607  
Non-interest expense     4,376       5,387       4,298       4,098  
Income (loss) before income taxes     (16 )     (708 )     218       374  
                                 
Income tax (benefit)     (149 )     (461 )     (50 )     (241 )
                                 
Net income (loss)     133       (247 )     268       615  
                                 
Preferred dividends     59       59       59       60  
                                 
Net income (loss) available to common stockholders   $ 74     $ (306 )   $ 209     $ 555  
                                 
Net income (loss) per common share - basic and diluted   $ 0.03     $ (0.14 )   $ 0.10     $ 0.26  
XML 50 R30.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables)
 12 Months Ended
Dec. 31, 2013
Loans and Leases Receivable Disclosure [Abstract]  
Summary of loans outstanding, by classification
    December 31,
    2013   2012
         
Commercial, financial, and agricultural   $ 20,292     $ 23,510  
Commercial Real Estate     120,180       125,239  
Single-Family Residential     34,864       34,523  
Construction and Development     3,626       1,813  
Consumer     6,314       5,913  
      185,276       190,998  
                 
          Allowance for loan losses     3,157       3,509  
                 
          Loans receivable – net   $ 182,119     $ 187,489  
Summary of activity in allowance for loan losses
    Years Ended December 31,
    2013   2012   2011
             
Balance at beginning of year   $ 3,509,367     $ 3,955,731     $ 4,188,022  
Provision for loan losses     425,000       2,400,000       3,882,409  
Loans charged off     (1,485,514 )     (3,068,905 )     (4,301,629 )
Recoveries on loans previously charged off     707,969       222,541       186,929  
                         
Balance—end of year   $ 3,156,822     $ 3,509,367     $ 3,955,731  

 
Summary of activity in the allowance for loan losses by portfolio segment

 

    For the Year Ended December, 2013
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
                         
Beginning balance   $ 433     $ 1,853     $ 803     $ 177     $ 243     $ 3,509  
Provision for loan losses     (68 )     127       361       (56 )     61       425  
Loans charged-off     (22 )     (710 )     (554 )     (30 )     (169 )     (1,485 )
Recoveries on loans charged-off     41       451       121       35       60       708  
Ending Balance   $ 384     $ 1,721     $ 731     $ 126     $ 195     $ 3,157  

 

    For the Year Ended December, 2012
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
                         
Beginning balance   $ 394     $ 2,206     $ 696     $ 449     $ 211     $ 3,956  
Provision for loan losses     27       1,761       646       (140 )     106       2,400  
Loans charged-off     (21 )     (2,138 )     (625 )     (136 )     (149 )     (3,069 )
Recoveries on loans charged-off     33       24       86       4       75       222  
Ending Balance   $ 433     $ 1,853     $ 803     $ 177     $ 243     $ 3,509  

 

    For the Year Ended December, 2011
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
                         
Beginning balance   $ 365     $ 2,616     $ 376     $ 290     $ 541     $ 4,188  
Provision for loan losses     262       1,852       1,049       932       (212 )     3,883  
Loans charged-off     (262 )     (2,302 )     (749 )     (773 )     (216 )     (4,302 )
Recoveries on loans charged-off     29       40       20       —         98       187  
Ending Balance   $ 394     $ 2,206     $ 696     $ 449     $ 211     $ 3,956  

 

 
Schedule of allocation of allowance for loan losses by portfolio segment

 

    At December 31, 2013
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
Specific Reserves:                                                
   Impaired loans   $ —       $ 3     $ —       $ —       $ —       $ 3  
   Total specific reserves     —         3       —         —         —         3  
General reserves     384       1,718       731       126       195       3,154  
Total   $ 384     $ 1,721     $ 731     $ 126     $ 195     $ 3,157  
                                                 
Loans individually evaluated for impairment   $ —       $ 10,705     $ 360     $ —       $ —       $ 11,065  
Loans collectively evaluated for impairment     20,292       109,475       34,504       3,626       6,314       174,211  
Total   $ 20,292     $ 120,180     $ 34,864     $ 3,626     $ 6,314     $ 185,276  

 

    At December 31, 2012
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
Specific Reserves:                                                
   Impaired loans   $ —       $ 319     $ 1     $ —       $ —       $ 320  
   Total specific reserves     —         319       1       —         —         320  
General reserves     433       1,534       802       177       243       3,189  
Total   $ 433     $ 1,853     $ 803     $ 177     $ 243     $ 3,509  
                                                 
Loans individually evaluated for impairment   $ —       $ 17,248     $ 516     $ 278     $ —       $ 18,042  
Loans collectively evaluated for impairment     23,510       107,991       34,007       1,535       5,913       172,956  
Total   $ 23,510     $ 125,239     $ 34,523     $ 1,813     $ 5,913     $ 190,998  
Schedule of impaired loans by class of loan

 

    At December 31, 2013
                Impaired Loans - With        
    Impaired Loans - With Allowance   no Allowance        
    Unpaid Principal   Recorded Investment   Allowance for Loan Losses Allocated   Unpaid Principal   Recorded Investment   Average Recorded Investment   Interest Income Recognized
Residential:                                                        
   First mortgages   $ —       $ —       $ —       $ 231     $ 231     $ 231     $ —    
   HELOC's and equity     —         —         —         129       129       128       2  
Commercial                                                        
   Secured     —         —         —         —         —         —         —    
   Unsecured     —         —         —         —         —         —         —    
Commercial Real Estate:                                                        
   Owner occupied     —         —         —         10,300       7,968       8,049       534  
   Non-owner occupied     —         —         —         2,924       2,407       2,516       108  
   Multi-family     386       330       3       —         —         359       28  
Construction and Development:                                                      .  
   Construction     —         —         —         —         —         —         —    
   Improved Land     —         —         —         —         —         —         —    
   Unimproved Land     —         —         —         —         —         —         —    
Consumer and Other     —         —                 —         —         —         —    
Total   $ 386     $ 330     $ 3     $ 13,584     $ 10,735     $ 11,283     $ 672  

 

    At December 31, 2012
                Impaired Loans - With        
    Impaired Loans - With Allowance   no Allowance        
    Unpaid Principal   Recorded Investment   Allowance for Loan Losses Allocated   Unpaid Principal   Recorded Investment   Average Recorded Investment   Interest Income Recognized
Residential:                                                        
   First mortgages   $ —       $ —       $ —       $ 234     $ 230     $ 231     $ —    
   HELOC's and equity     77       77       1       261       209       210       44  
Commercial                                                        
   Secured     —         —         —         —         —         —         —    
   Unsecured     —         —         —         —         —         —         —    
Commercial Real Estate:                                                        
   Owner occupied     2,856       2,856       293       7,199       7,199       10,116       480  
   Non-owner occupied     492       319       24       7,056       5,770       6,420       673  
   Multi-family     388       388       2       716       716       1,053       103  
Construction and Development:                                                      .  
   Construction     —         —         —         120       121       122       55  
   Improved Land     —         —         —         418       157       169       6  
   Unimproved Land     —         —         —         —         —         —         —    
Consumer and Other     —         —                 —         —         —         —    
Total   $ 3,813     $ 3,640     $ 320     $ 16,004     $ 14,402     $ 18,321     $ 1,361  
Schedule of aging analysis of loan portfolio
                At December 31, 2013            
    30- 59 Days Past Due   60- 89 Days Past Due   Over 90 Days Past Due   Total Past Due   Current   Total Loans Receivable   Recorded Investment > 90 Days and  Accruing   Nonaccrual
Residential:                                                                
   First mortgages   $ 1,778     $ 360     $ 1,840     $ 3,978     $ 22,348     $ 26,326     $ —       $ 3,334  
   HELOC's and equity     444       19       466       929       7,609       8,538       —         821  
Commercial:                                                                
   Secured     125       —         2       127       14,906       15,033       —         2  
   Unsecured     —         —         —         —         5,259       5,259       —         —    
Commercial Real Estate:                                                                
   Owner occupied     715       753       81       1,549       60,090       61,639       —         1,038  
   Non-owner occupied     38       199       286       523       43,287       43,810       —         1,550  
   Multi-family     747       —         —         747       13,984       14,731       —         330  
Construction and  Development:                                                                
   Construction     477       —         —         477       2,542       3,019       —         —    
   Improved Land     —         —         —         —         242       242       —         —    
   Unimproved Land     —         —         —         —         365       365       —         —    
Consumer and Other     6       30       45       81       6,233       6,314       —         45  
Total   $ 4,330     $ 1,361     $ 2,720     $ 8,411     $ 176,865     $ 185,276     $ —       $ 7,120  
                                                                 

 

                At December 31, 2012            
    30- 59 Days Past Due   60- 89 Days Past Due   Over 90 Days Past Due   Total Past Due   Current   Total Loans Receivable   Recorded Investment > 90 Days and  Accruing   Nonaccrual
Residential:                                                                
   First mortgages   $ 1,550     $ 957     $ 3,116     $ 5,623     $ 20,106     $ 25,729     $ —       $ 3,721  
   HELOC's and equity     218       32       291       541       8,253       8,794       —         321  
Commercial:                                                                
   Secured     24       —         5       29       16,827       16,856       —         5  
   Unsecured     5       —         —         5       6,649       6,654       —         —    
Commercial Real Estate:                                                                
   Owner occupied     1,463       188       394       2,045       55,603       57,648       —         2,029  
   Non-owner occupied     353       634       3,613       4,600       50,486       55,086       —         4,355  
   Multi-family     —         —         —         —         12,505       12,505       —         —    
Construction and  Development:                                                                
   Construction     767       —         —         767       222       989       —         —    
   Improved Land     —         —         120       120       331       451       —         120  
   Unimproved Land     —         —         157       157       216       373       —         157  
Consumer and Other     49       43       87       179       5,734       5,913       —         87  
Total   $ 4,429     $ 1,854     $ 7,783     $ 14,066     $ 176,932     $ 190,998     $ —       $ 10,795  
Schedule of loan portfolio by risk rating

 

    At December 31, 2013
    Total   Pass Credits   Special Mention   Substandard   Doubtful
Single-Family Residential:                                        
    First mortgages   $ 26,326     $ 24,126     $ —       $ 2,200     $ —    
    HELOC's and equity     8,538       7,686       22       728       102  
Commercial, financial, and agricultural:                                        
    Secured     15,033       15,009       —         24       —    
    Unsecured     5,259       5,259       —         —         —    
Commercial Real Estate:                                        
    Owner occupied     61,639       50,921       5,929       4,789       —    
    Non-owner occupied     43,810       40,482       819       2,509       —    
    Multi-family     14,731       13,704       647       380       —    
Construction and Development:                                        
    Construction     3,019       3,019       —         —         —    
    Improved Land     242       197       —         45       —    
    Unimproved Land     365       —         —         365       —    
Consumer     6,314       6,224       —         90       —    
     Total   $ 185,276     $ 166,627     $ 7,417     $ 11,130     $ 102  

 

    At December 31, 2012
    Total   Pass Credits   Special Mention   Substandard   Doubtful
Single-Family Residential:                                        
    First mortgages   $ 25,729     $ 21,656     $ —       $ 4,073     $ —    
    HELOC's and equity     8,794       7,745       583       466       —    
Commercial, financial, and agricultural:                                        
    Secured     16,856       16,788       37       31       —    
    Unsecured     6,654       5,456       1,185       13       —    
Commercial Real Estate:                                        
    Owner occupied     57,648       44,252       9,551       3,845       —    
    Non-owner occupied     55,086       45,127       3,248       6,711       —    
    Multi-family     12,505       10,636       1,413       456       —    
Construction and Development:                                        
    Construction     989       869       120       —         —    
    Improved Land     451       245       —         206       —    
    Unimproved Land     373       —         —         373       —    
Consumer     5,913       5,801       —         87       25  
     Total   $ 190,998     $ 158,575     $ 16,137     $ 16,261     $ 25  

 
Schedule of troubled debt restructurings
    December 31, 2013
    Number of Loans   Pre-Modification Recorded Investment   Post-Modification Recorded Investment
Troubled Debt Restructurings            
Residential:                        
HELOC's and equity     5     $ 339     $ 340  
Commercial Real Estate:                        
Owner occupied     3       408       414  
Non-owner occupied     3       766       740  
Total     11     $ 1,513     $ 1,494  

 

    December 31, 2012
    Number of Loans   Pre-Modification Recorded Investment   Post-Modification Recorded Investment
Troubled Debt Restructurings            
Residential:                        
Residential mortgages     2     $ 412     $ 424  
Commercial Real Estate:                        
Owner occupied     5       4,442       4,428  
Non-owner occupied     1       114       113  
Total     8     $ 4,968     $ 4,965  
XML 51 R31.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2012
Property, Plant and Equipment [Abstract]  
Summary of premises and equipment
 
   December 31,  
 
   2012   2011  

Land

   $ 2,250,250   $ 2,250,250  

Buildings and improvements

     7,606,772     7,450,367  

Furniture and equipment

     9,000,496     8,750,180  
           

 

     18,857,518     18,450,797  

Less accumulated depreciation

     11,901,379     11,222,633  
           

 

  
$
6,956,139		  
$
7,228,164		  
           
XML 52 R8.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
OPERATING ACTIVITIES:      
Net income $ 1,348,773 $ 768,823 $ 268,626
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for loan losses 425,000 2,400,000 3,882,409
Depreciation 615,694 660,440 710,092
Amortization and accretion - net 1,342,645 1,438,549 993,420
Provision (benefit) for deferred income taxes 1,433,220 (830,384) (3,027,049)
Gains on sales of securities (243,882) (681,327) (201,421)
Gains on sale of assets       (6,162)
Loss on sale of other real estate owned 56,143 636,690 32,588
Restricted stock based compensation plan (106,829) 139,062 5,062
Decrease in carrying value of other real estate owned 615,839 2,467,252 1,258,602
Change in other assets 493,770 1,874,192 1,580,054
Change in accrued expenses and other liabilities (1,375,971) 279,591 1,228,889
Net cash provided by operating activities 4,604,402 9,152,888 6,725,110
INVESTING ACTIVITIES:      
Net change in certificates of deposit (250,000)    50,000
Proceeds from the sales, maturities and paydowns of securities available for sale 30,233,702 39,953,870 36,591,365
Proceeds from the maturities and paydowns of of securities held to maturity 1,119,150 1,941,274 15,046
Purchases of investment securities available for sale (47,766,287) (45,717,236) (29,602,262)
Net change in other investments 121,600 316,400 746,000
Net change in loans 1,085,325 874,155 (12,963,368)
Purchases of premises and equipment, net (248,719) (388,416) (421,856)
Proceeds from sale of premises and equipment       10,000
Proceeds from the sale of other real estate owned 4,020,124 3,437,498 3,490,246
Net cash provided by (used in) investing activities (11,685,105) 417,545 (2,084,829)
FINANCING ACTIVITIES:      
Net change in deposits (3,631,155) (2,437,380) 5,426,625
Net change in advances from Federal Home Loan Bank (18,618) (18,250) (17,889)
Common stock dividend paid (171,744) (169,242) (168,663)
Preferred stock dividend paid (236,820) (236,820) (236,820)
Net purchase of treasury stock (61,423) (9,815) (5,372)
Proceeds from issuance of common stock 180,657 35,890 16,001
Net cash used in financing activities (3,939,103) (2,835,617) 5,013,882
Net change in cash and cash equivalents (11,019,806) 6,734,816 9,654,163
Cash and cash equivalents, beginning of period 40,186,477 33,451,661 23,797,498
Cash and cash equivalents at end of period 29,166,671 40,186,477 33,451,661
Supplemental disclosures of cash paid during the period for:      
Interest 939,420 1,130,336 1,695,829
Income taxes 26,000 27,615 11,628
Supplemental disclosures of noncash transactions:      
Real estate acquired through foreclosure 3,901,588 4,660,558 5,747,670
Change in unrealized gain (loss) on investment securities available for sale, net of taxes $ (3,798,927) $ 93,029 $ 2,837,423
XML 53 R32.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2013
Banking and Thrift [Abstract]  
Summary of interest-bearing deposits
    December 31,
    2013   2012
         
NOW and money market accounts   $ 92,793,796     $ 92,671,544  
Savings accounts     31,947,780       32,770,028  
Time deposits of $100,000 or more     107,489,990       121,223,645  
Other time deposits     33,588,990       34,585,918  
                 
    $ 265,820,556     $ 281,251,135  
Schedule of maturities of time deposits
2014   $ 97,657,485  
2015     6,694,099  
2016     6,773,570  
2017     19,125,750  
2018 and thereafter     10,828,076  
    $ 141,078,980  
XML 54 R83.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUPPLEMENTARY INCOME STATEMENT INFORMATION (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Supplementary Income Statement Information Details      
Threshold for disclosure of components of other operating expenses as a percentage of total interest income and other income (as a percent) 1.00% 1.00% 1.00%
Professional services - legal $ 438,208 $ 457,422 $ 596,841
Professional services - other 723,505 537,527 561,831
Stationery and supplies 200,116 229,104 204,082
Advertising 154,389 132,700 151,765
Data processing 664,240 623,156 529,359
ATM charges 167,728 200,314 219,069
Telephone 305,279 307,374 304,156
FDIC insurance premium 533,447 652,515 647,804
Amortization of core deposit intangible 471,918 471,918 471,918
Security and protection expense 389,614 420,707 469,576
Other benefit expenses 336,066 365,409 375,548
Other miscellaneous expenses 1,584,134 1,487,643 1,495,308
Other operating expenses $ 5,968,644 $ 5,885,789 $ 6,027,257
XML 55 R40.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCKHOLDERS' EQUITY (Tables)
 12 Months Ended
Dec. 31, 2013
Equity [Abstract]  
Schedule of the Company's and Bank's actual capital amounts and ratios
                    To Be Well
            For Capital   Capitalized Under
            Adequacy   Prompt Corrective
    Actual   Purposes   Action Provisions
    Amount   Ratio   Amount   Ratio   Amount   Ratio
                         
                         
As of December 31, 2013                                                
                                                 
Total capital (to risk weighted assets):                                                
Consolidated   $ 44,601       19 %   $ 18,768       8 %       N/A           N/A    
Bank     44,376       19 %     18,779       8 %   $ 23,473       10 %
                                                 
Tier I capital (to risk weighted assets):                                                
Consolidated     41,665       18 %     9,384       4 %       N/A           N/A    
Bank     41,441       18 %     9,389       4 %     14,084       6 %
                                                 
Tier I capital (to average assets):                                                
Consolidated     41,665       11 %     15,600       4 %       N/A           N/A    
Bank     41,441       11 %     15,634       4 %     19,543       5 %
                                                 
As of December 31, 2012                                                
                                                 
Total capital (to risk weighted assets):                                                
Consolidated   $ 44,422       19 %   $ 19,038       8 %       N/A           N/A    
Bank     44,099       19 %     19,019       8 %   $ 23,774       10 %
                                                 
Tier I capital (to risk weighted assets):                                                
Consolidated     41,441       17 %     9,519       4 %       N/A           N/A    
Bank     41,121       17 %     9,510       4 %     14,265       6 %
                                                 
Tier I capital (to average assets):                                                
Consolidated     41,441       11 %     15,455       4 %       N/A           N/A    
Bank     41,121       11 %     15,447       4 %     19,309       5 %
XML 56 R53.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENTS (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Amortized Cost $ 142,683,895 $ 125,748,187
Gross Unrealized Gains 1,624,428 4,378,327
Gross Unrealized Losses 3,263,041 260,990
Total 141,045,282 129,865,524
State, county and municipal securities [Member]
    
Amortized Cost 33,734,814 36,977,202
Gross Unrealized Gains 1,096,801 2,886,607
Gross Unrealized Losses 29,827   
Total 34,801,788 39,863,809
Mortgage Backed Securities [Member]
    
Amortized Cost 99,142,665 79,025,394
Gross Unrealized Gains 347,751 1,356,627
Gross Unrealized Losses 3,223,142 134,482
Total 96,267,274 80,247,539
Corporate Securities [Member]
    
Amortized Cost 9,806,416 9,745,591
Gross Unrealized Gains 179,876 135,093
Gross Unrealized Losses 10,072 126,508
Total $ 9,976,220 $ 9,754,176
XML 57 R72.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Details 2) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Operating Loss Carryforwards [Line Items]    
Valuation allowance $ 168,234 $ 128,474
Tax Credit Carryforward, Expiring Beginning in Year 1 [Member]
    
Operating Loss Carryforwards [Line Items]    
Income tax credits 387,313  
Internal Revenue Service (IRS) [Member]
    
Operating Loss Carryforwards [Line Items]    
Net operating loss carryforwards 7,097,849  
State and Local Jurisdiction [Member]
    
Operating Loss Carryforwards [Line Items]    
Net operating loss carryforwards 5,042,011  
Income tax credits $ 4,248,345  
XML 58 R2.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED BALANCE SHEETS (USD $)
Dec. 31, 2013
Dec. 31, 2012
ASSETS    
Cash and due from banks, including reserve requirements of $286,000 and $242,000 at December 31, 2013 and 2012, respectively $ 6,339,676 $ 5,383,544
Interest-bearing deposits with banks 22,826,995 34,802,933
Certificates of deposit 350,000 100,000
Investment securities available for sale, at fair value (amortized cost of $142,683,895 and $125,748,187 at December 31, 2013 and 2012, respectively) 141,045,282 129,865,524
Investment securities held to maturity, at cost (estimated fair value of $240,420 and $1,379,915 at December 31, 2013 and 2012, respectively) 240,000 1,356,119
Other investments 873,850 995,450
Loans receivable - net 182,118,539 187,489,181
Premises and equipment - net 6,589,164 6,956,139
Cash surrender value of life insurance 9,948,016 9,619,382
Other real estate owned 7,404,437 8,194,955
Other assets 9,996,714 10,841,502
Total assets 387,732,673 395,604,729
LIABILITIES:    
Noninterest-bearing deposits 71,141,732 59,342,308
Interest-bearing deposits 265,820,556 281,251,135
Total deposits 336,962,288 340,593,443
Accrued expenses and other liabilities 4,189,514 5,565,484
Advances from Federal Home Loan Bank 273,079 291,697
Total liabilities 341,424,881 346,450,624
COMMITMENTS AND CONTINGENCIES (Note 9)      
STOCKHOLDERS' EQUITY:    
Additional paid-in capital 7,932,710 7,941,817
Retained earnings 27,130,582 26,190,373
Treasury stock at cost, 235,938 and 220,525 shares at December 31, 2013 and 2012, respectively (1,881,551) (1,820,128)
Accumulated other comprehensive income gain, net of income taxes (1,081,448) 2,717,479
Total stockholders' equity 46,307,792 49,154,105
Total liabilities and stockholders' equity 387,732,673 395,604,729
Series B Preferred Stock [Member]
    
STOCKHOLDERS' EQUITY:    
Preferred stock 7,462,000 7,462,000
Series C Preferred Stock [Member]
    
STOCKHOLDERS' EQUITY:    
Preferred stock 4,379,000 4,379,000
Common Stock [Member]
    
STOCKHOLDERS' EQUITY:    
Common stock 2,292,728 2,292,728
Nonvoting Common Stock [Member]
    
STOCKHOLDERS' EQUITY:    
Common stock 90,000 90,000
Restricted Stock [Member]
    
STOCKHOLDERS' EQUITY:    
Common stock $ (16,229) $ (56,800)
XML 59 R45.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (Subsidiaries [Member])
 12 Months Ended
Dec. 31, 2013
item
Atlanta [Member]
  
Entity Location [Line Items]  
Number of full-service financial centers 7
Columbus [Member]
  
Entity Location [Line Items]  
Number of full-service financial centers 1
Birmingham [Member]
  
Entity Location [Line Items]  
Number of full-service financial centers 1
Eutaw [Member]
  
Entity Location [Line Items]  
Number of full-service financial centers 1
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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Parenthetical) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Consolidated Statements Of Comprehensive Income Loss Parenthetical      
Unrealized holding gain (loss) on investment securities available for sale, tax $ (1,874,103) $ 279,575 $ 1,530,186
Reclassification adjustment for holding gains included in net income, tax $ 82,920 $ 231,651 $ 68,483

XML 62 R59.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details Narrative) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Loans Receivable And Allowance For Loan Losses Details Narrative    
Loans to area churches $ 40,900,000 $ 49,500,000
Loans to area convenience stores 9,200,000 9,300,000
Loans to areas hotel $ 25,700,000 $ 24,800,000
XML 63 R35.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND CONTINGENCIES (Tables)
 12 Months Ended
Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]  
Schedule of financial instruments whose contract amounts represent credit risk
    Approximate
    Contractual Amount
    2013   2012
         
Financial instruments whose contract amounts represent credit risk:                
    Commitments to extend credit   $ 26,313,000     $ 24,335,000  
    Commercial letters of credit     2,125,000       2,218,000  
Schedule of future minimum lease payments under all noncancelable lease agreements inclusive of sales tax and maintenance costs
2014   $ 541,972  
2015     551,831  
2016     440,869  
2017     78,908  
2018 and Thereafter     162,540  
         
    $ 1,776,120  
XML 64 R65.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Total $ 185,276,000 $ 190,998,000
Single Family Residential Mortgage [Member]
    
Total 34,864,000 34,523,000
Single Family Residential Mortgage [Member] | First Mortgage [Member]
    
Total 26,326,000 25,729,000
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
    
Total 8,538,000 8,794,000
Commercial Financial and Agricultural Portfolio Segment [Member]
    
Total 20,292,000 23,510,000
Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]
    
Total 15,033,000 16,856,000
Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
    
Total 5,259,000 6,654,000
Commercial Real Estate Portfolio Segment [Member]
    
Total 120,180,000 125,239,000
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]
    
Total 61,639,000 57,648,000
Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
    
Total 43,810,000 55,086,000
Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
    
Total 14,731,000 12,505,000
Construction and Development Portfolio Segment [Member]
    
Total 3,626,000 1,813,000
Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]
    
Total 3,019,000 989,000
Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]
    
Total 242,000 451,000
Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]
    
Total 365,000 373,000
Consumer Portfolio Segment [Member]
    
Total 6,314,000 5,913,000
Pass [Member]
    
Total 166,627,000 158,575,000
Pass [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]
    
Total 24,126,000 21,656,000
Pass [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
    
Total 7,686,000 7,745,000
Pass [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]
    
Total 15,009,000 16,788,000
Pass [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
    
Total 5,259,000 5,456,000
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]
    
Total 50,921,000 44,252,000
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
    
Total 40,482,000 45,127,000
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
    
Total 13,704,000 10,636,000
Pass [Member] | Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]
    
Total 3,019,000 869,000
Pass [Member] | Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]
    
Total 197,000 245,000
Pass [Member] | Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]
    
Total      
Pass [Member] | Consumer Portfolio Segment [Member]
    
Total 6,224,000 5,801,000
Special Mention [Member]
    
Total 7,417,000 16,137,000
Special Mention [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
    
Total 22,000 583,000
Special Mention [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]
    
Total    37,000
Special Mention [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
    
Total   1,185,000
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]
    
Total 5,929,000 9,551,000
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
    
Total 819,000 3,248,000
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
    
Total 647,000 1,413,000
Special Mention [Member] | Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]
    
Total 3,019,000 120,000
Substandard [Member]
    
Total 11,130,000 16,261,000
Substandard [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]
    
Total 2,200,000 4,073,000
Substandard [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
    
Total 728,000 466,000
Substandard [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]
    
Total 24,000 31,000
Substandard [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
    
Total   13,000
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]
    
Total 4,789,000 3,845,000
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
    
Total 2,509,000 6,711,000
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
    
Total 380,000 456,000
Substandard [Member] | Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]
    
Total 45,000 206,000
Substandard [Member] | Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]
    
Total 365,000 373,000
Substandard [Member] | Consumer Portfolio Segment [Member]
    
Total 90,000 87,000
Doubtful [Member]
    
Total 102,000 25,000
Doubtful [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
    
Total 102,000  
Doubtful [Member] | Consumer Portfolio Segment [Member]
    
Total   $ 25,000
XML 65 R22.htm IDEA: XBRL DOCUMENT v2.4.0.8
RELATED-PARTY TRANSACTIONS
 12 Months Ended
Dec. 31, 2013
Related Party Transactions [Abstract]  
RELATED-PARTY TRANSACTIONS

14. RELATED-PARTY TRANSACTIONS

Certain of the Company’s directors, officers, principal stockholders, and their associates were customers of, or had transactions with, the Company or the Bank in the ordinary course of business during 2013 and 2012. Some of the Company’s directors are directors, officers, trustees, or principal securities holders of corporations or other organizations that also were customers of, or had transactions with, the Company or the Bank in the ordinary course of business during 2013 and 2012.

All outstanding loans and other transactions with the Company’s directors, officers, and principal shareholders were made in the ordinary course of business on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons and, when made, did not involve more than the normal risk of collectibility or present other unfavorable features.

The following table summarizes the activity in these loans during 2013 and 2012:

    Years Ended December 31,
    2013   2012
         
Balance at beginning of year   $ 11,799,716     $ 12,073,831  
  New loans     6,517,864       1,339,485  
  Repayments     (3,795,396 )     (1,613,600 )
                 
Balance—end of year   $ 14,522,184     $ 11,799,716  

 

Deposits by directors and executive officers of the Company and the Bank, and associates of such persons, totaled $6,294,099 and $6,487,889 at December 31, 2013 and 2012, respectively.

XML 66 R36.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCK OPTIONS (Tables)
 12 Months Ended
Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
Summary of the status of the Company's stock options and their changes
    2013   2012   2011
            Weighted                    
        Weighted   Average           Weighted       Weighted
        Average   Remaining   Aggregate       Average       Average
        Exercise   Contractual   Intrinsic       Exercise       Exercise
    Shares   Price   Life   Value   Shares   Price   Shares   Price
                                 
Outstanding—beginning of year     89,877     $ 10.58       3.97               103,553     $ 10.20       110,053     $ 10.17  
                                                                 
Granted     —         —                         —         —         —         —    
                                                                 
Exercised     —         —                         —         —         —         —    
                                                                 
Expired/Terminated     (40,600 )     10.71                       (13,676 )     7.74       (6,500 )     9.70  
                                                                 
Outstanding—end of year     49,277     $ 10.47       3.18     $ —         89,877     $ 10.58       103,553     $ 10.20  
                                                                 
Options exercisable at year-end     49,277     $ 10.47       3.18     $ —         89,877     $ 10.58       103,553     $ 10.20  
                                                                 
Shares available for grant     266,309                               229,209               219,033          
XML 67 R24.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL INFORMATION OF CITIZENS BANCSHARES CORPORATION (PARENT ONLY)
 12 Months Ended
Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]  
CONDENSED FINANCIAL INFORMATION OF CITIZENS BANCSHARES CORPORATION (PARENT ONLY)
  16. CONDENSED FINANCIAL INFORMATION OF CITIZENS BANCSHARES CORPORATION (PARENT ONLY)
    December 31,   December 31,
    2013   2012
Balance Sheets                
Assets:                
  Cash   $ 9,837     $ 204,166  
  Investment in Bank     46,083,430       48,834,169  
  Other assets     321,609       229,252  
                 
    $ 46,414,876     $ 49,267,587  
Liabilities and stockholders’ equity:                
  Total  liabilities   $ 107,084     $ 113,482  
  Stockholders’ equity     46,307,792       49,154,105  
                 
    $ 46,414,876     $ 49,267,587  

 

    For the Years Ended December 31,
    2013   2012   2011
Statements of Income                        
                         
Dividends from subsidiary   $ 500,000     $ —       $ —    
Other revenue     —         3,113       —    
Total revenue   $ 500,000     $ 3,113     $ —    
                         
Total expenses     291,771       412,512       249,311  
                         
Income (loss) before income tax benefit and equity in undistributed earnings of the subsidiary     208,229       (409,399 )     (249,311 )
                         
Income tax benefit     92,356       143,314       84,769  
                         
Income (loss) before equity in undistributed earnings of the subsidiary     300,585       (266,085 )     (164,542 )
                         
Equity in undistributed earnings of the subsidiary     1,048,188       1,034,908       433,168  
                         
Net income     1,348,773       768,823       268,626  

 

  

    Years Ended December 31,
    2013   2012   2011
Statements of Cash Flows                        
                         
Cash flows from operating activities—                        
  Net income   $ 1,348,773     $ 768,823     $ 268,626  
Adjustments to reconcile net income to                        
  net cash provided by (used in) operating activities:                        
  Equity in undistributed earnings of the subsidiary     (1,048,188 )     (1,034,908 )     (433,168 )
  Restricted stock based compensation plan     (106,829 )     139,062       5,062  
  Change in other assets     (92,357 )     (143,313 )     (21,895 )
  Change in other liabilities     (6,398 )     86,636       (22,585 )
Net cash provided by (used in) operating activities     95,001       (183,700 )     (203,960 )
                         
Cash flows from financing activities:                        
  Common stock dividend paid     (171,744 )     (169,242 )     (168,663 )
  Preferred stock dividend paid     (236,820 )     (236,820 )     (236,820 )
  Net purchase of treasury stock     (61,423 )     (9,815 )     (5,372 )
  Proceeds from issuance of common stock     180,657       35,890       16,001  
Net cash used in financing activities     (289,330 )     (379,987 )     (394,854 )
                         
Net change in cash     (194,329 )     (563,687 )     (598,814 )
                         
Cash:                        
  Beginning of year     204,166       767,853       1,366,667  
  End of year   $ 9,837     $ 204,166     $ 767,853  
                         
Supplemental disclosures of cash flow information:                        
  Cash paid during the year for:                        
    Interest   $ —       $ —       $ —    
    Income taxes   $ 26,000     $ 27,615     $ 8,000  
XML 68 R68.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Premises and equipment, gross $ 19,024,506 $ 18,857,518  
Less accumulated depreciation 12,435,342 11,901,379  
Premises and equipment-net 6,589,164 6,956,139  
Depreciation expense 615,694 660,440 710,092
Land [Member]
      
Premises and equipment, gross 2,250,250 2,250,250  
Building and Building Improvements [Member]
      
Premises and equipment, gross 7,672,526 7,606,772  
Furniture and Equipment [Member]
      
Premises and equipment, gross $ 9,101,730 $ 9,000,496  
XML 69 Show.js IDEA: XBRL DOCUMENT /** * Rivet Software Inc. * * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved. * Version 2.4.0.3 * */ var Show = {}; Show.LastAR = null, Show.hideAR = function(){ Show.LastAR.style.display = 'none'; }; Show.showAR = function ( link, id, win ){ if( Show.LastAR ){ Show.hideAR(); } var ref = link; do { ref = ref.nextSibling; } while (ref && ref.nodeName != 'TABLE'); if (!ref || ref.nodeName != 'TABLE') { var tmp = win ? win.document.getElementById(id) : document.getElementById(id); if( tmp ){ ref = tmp.cloneNode(true); ref.id = ''; link.parentNode.appendChild(ref); } } if( ref ){ ref.style.display = 'block'; Show.LastAR = ref; } }; Show.toggleNext = function( link ){ var ref = link; do{ ref = ref.nextSibling; }while( ref.nodeName != 'DIV' ); if( ref.style && ref.style.display && ref.style.display == 'none' ){ ref.style.display = 'block'; if( link.textContent ){ link.textContent = link.textContent.replace( '+', '-' ); }else{ link.innerText = link.innerText.replace( '+', '-' ); } }else{ ref.style.display = 'none'; if( link.textContent ){ link.textContent = link.textContent.replace( '-', '+' ); }else{ link.innerText = link.innerText.replace( '-', '+' ); } } }; XML 70 R7.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)
Preferred Stock
Common Stock [Member]
Nonvoting Common Stock [Member]
Restricted Stock [Member]
Additional Paid-In Capital
Retained Earnings
Treasury Stock
Accumulated Other Comprehensive Income (Loss)
Total
Balance at Dec. 31, 2010 $ 11,841,000 $ 2,233,278 $ 90,000 $ (106,851) $ 7,812,939 $ 25,964,469 $ (1,804,941) $ (212,973) $ 45,816,921
Balance (in shares) at Dec. 31, 2010 11,841 2,233,278 90,000       (217,531)    
Net income                268,626       268,626
Other Comprehensive Loss               2,837,423 2,837,423
Issuance of common stock   4,079     11,922       16,001
Issuance of common stock (in shares)   4,079              
Nonvested restricted stock       21,063 (16,001)       5,062
Purchase of treasury stock             (5,372)   (5,372)
Purchase of treasury stock (in shares)             (1,541)    
Dividends paid on preferred stock           (236,820)     (236,820)
Dividends paid on common stock           (168,663)     (168,663)
Balance at Dec. 31, 2011 11,841,000 2,237,357 90,000 (85,788) 7,808,860 25,827,612 (1,810,313) 2,624,450 48,533,178
Balance (in shares) at Dec. 31, 2011 11,841 2,237,357 90,000       (219,072)    
Net income           768,823     768,823
Other Comprehensive Loss               93,029 93,029
Issuance of common stock   13,007     22,883       35,890
Issuance of common stock (in shares)   13,007              
Nonvested restricted stock       28,988 110,074       139,062
Purchase of treasury stock             (9,815)   (9,815)
Purchase of treasury stock (in shares)             (1,453)    
Dividends paid on preferred stock           (236,820)     (236,820)
Dividends paid on common stock           (169,242)     (169,242)
Balance at Dec. 31, 2012 11,841,000 2,250,364 90,000 (56,800) 7,941,817 26,190,373 (1,820,128) 2,717,479 49,154,105
Balance (in shares) at Dec. 31, 2012 11,841 2,250,364 90,000       (220,525)    
Net income           1,348,773     1,348,773
Other Comprehensive Loss               (3,798,927) (3,798,927)
Issuance of common stock   42,364     138,293       180,657
Issuance of common stock (in shares)   42,364              
Nonvested restricted stock       40,571 (147,400)       (106,829)
Purchase of treasury stock             (61,423)   (61,423)
Purchase of treasury stock (in shares)             (15,413)    
Dividends paid on preferred stock           (236,820)     (236,820)
Dividends paid on common stock           (171,744)     (171,744)
Balance at Dec. 31, 2013 $ 11,841,000 $ 2,292,728 $ 90,000 $ (16,229) $ 7,932,710 $ 27,130,582 $ (1,881,551) $ (1,081,448) $ 46,307,792
Balance (in shares) at Dec. 31, 2013 11,841 2,292,728 90,000       (235,938)    
XML 71 R3.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Cash and due from banks $ 286,000 $ 242,000
Investment securities available for sale, at fair value 142,683,895 125,748,187
Investment securities held to maturity, at cost $ 240,420 $ 1,379,915
Treasury stock, shares 235,938 220,525
Series B Preferred Stock [Member]
    
Preferred stock, par value (in dollars per share) $ 0 $ 0
Preferred stock, shares authorized 10,000,000 10,000,000
Preferred stock, shares issued   7,462
Preferred stock, shares outstanding 7,462 7,462
Series C Preferred Stock [Member]
    
Preferred stock, par value (in dollars per share) $ 0 $ 0
Preferred stock, shares authorized 10,000,000 10,000,000
Preferred stock, shares issued   4,379
Preferred stock, shares outstanding 4,379 4,379
Common Stock [Member]
    
Common stock, par value (in dollars per share) $ 1 $ 1
Common stock, shares authorized 20,000,000 20,000,000
Common stock, shares issued 2,292,728 2,292,728
Common stock, shares outstanding 2,250,364 2,250,364
Nonvoting Common Stock [Member]
    
Common stock, par value (in dollars per share) $ 1 $ 1
Common stock, shares authorized 5,000,000 5,000,000
Common stock, shares issued 90,000 90,000
Common stock, shares outstanding 90,000 90,000
XML 72 R17.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND CONTINGENCIES
 12 Months Ended
Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]  
COMMITMENTS AND CONTINGENCIES

9. COMMITMENTS AND CONTINGENCIES

Credit Commitments and Commercial Letters—The Company, in the normal course of business, is a party to financial instruments with off-balance sheet risk used to meet the financing needs of its customers. These financial instruments include commitments to extend credit and commercial letters of credit.

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, and residential and commercial real estate. Commercial letters of credit are commitments issued by the Company to guarantee funding to a third party on behalf of a customer. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The contract amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments.

The Company’s exposure to credit loss in the event of nonperformance by the other party of the financial instrument for commitments to extend credit and commercial letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations related to off-balance sheet financial instruments as it does for the financial instruments recorded in the Consolidated Balance Sheets.

    Approximate
    Contractual Amount
    2013   2012
         
Financial instruments whose contract amounts represent credit risk:                
    Commitments to extend credit   $ 26,313,000     $ 24,335,000  
    Commercial letters of credit     2,125,000       2,218,000  

 

Leases—The Company leases its main office and a branch location. The main office lease commenced on October 26, 2006 and has a 10 year term. The lease requires monthly payments starting at $29,466 for the first year, increasing 3% per year thereafter. The lease is renewable at the bank’s option for one five year term. The branch lease commenced on June 1, 2007 and has a 7 year term. The lease requires monthly payments of $5,500 for four years and monthly lease payments of $6,000 for three years. The lease is renewable at the bank’s option for two five year terms. In October 2013, the Company exercised itsfirst option to renew the branch lease for five years. The renewed lease requires monthly payments of $6,300 for three years and monthly lease payments of $6,772 for two years commencing on June 1, 2014. As of December 31, 2013, future minimum lease payments under all noncancelable lease agreements inclusive of sales tax and maintenance costs for the next five years and thereafter are as follows:

2014   $ 541,972  
2015     551,831  
2016     440,869  
2017     78,908  
2018 and Thereafter     162,540  
         
    $ 1,776,120  

 

Rent expense in 2013, 2012, and 2011 was approximately $542,000, $523,000, and $495,000, respectively.

 

Legal—During 2007, legal fees were awarded in the amount of $200,000 related to a case brought to conclusion in 2006 in which a $100,000 judgment was levied against the Company. The Company accrued for these losses in the respective year of the judgments. On March 14, 2008, the Court of Appeals of Georgia reversed the trial court and granted the Company a new trial on the compensatory damages. During August 2013, a bench trial was held on the compensatory damages. As of March 31, 2014, the Court has not rendered a judgment. Other than that discussed above, the Company and the Bank are involved in various claims and legal actions arising in the ordinary course of business. In the opinion of management, based in part on the advice of counsel, the ultimate disposition of these matters will not have a material adverse impact on the Company’s Consolidated Financial Statements.
XML 73 R1.htm IDEA: XBRL DOCUMENT v2.4.0.8
Document and Entity Information (USD $)
 12 Months Ended
Dec. 31, 2013
Jun. 30, 2013
Mar. 28, 2014
Nonvoting Common Stock [Member]
Mar. 28, 2014
Common Stock [Member]
Entity Registrant Name CITIZENS BANCSHARES CORP /GA/      
Entity Central Index Key 0000813640      
Document Type 10-K      
Document Period End Date Dec. 31, 2013      
Amendment Flag false      
Current Fiscal Year End Date --12-31      
Entity Well-known Seasoned Issuer No      
Entity Voluntary Filers No      
Entity Current Reporting Status Yes      
Entity Filer Category Smaller Reporting Company      
Entity Public Float   $ 8,427,966    
Entity Common Stock, Shares Outstanding     90,000 2,056,790
Document Fiscal Year Focus 2013      
Document Fiscal Period Focus FY      
XML 74 R18.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCK OPTIONS
 12 Months Ended
Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
STOCK OPTIONS

  10. STOCK OPTIONS

The Company has a Stock Incentive Plan which was approved in 1999. Under the 1999 Stock Incentive Plan, options are periodically granted to employees at a price not less than fair market value of the shares at the date of grant (or less than 110% of the fair market value if the participant owns more than 10% of the Company’s outstanding Common Stock). The term of the stock incentive option may not exceed ten years from the date of grant; however, any stock incentive option granted to a participant who owns more than 10% of the Common Stock will not be exercisable after the expiration of five (5) years after the date the option is granted.

 

A summary of the status of the Company’s stock options as of December 31, 2013, 2012, and 2011, and changes during the years ended on those dates is presented below:

 

 

 

    2013   2012   2011
            Weighted                    
        Weighted   Average           Weighted       Weighted
        Average   Remaining   Aggregate       Average       Average
        Exercise   Contractual   Intrinsic       Exercise       Exercise
    Shares   Price   Life   Value   Shares   Price   Shares   Price
                                 
Outstanding—beginning of year     89,877     $ 10.58       3.97               103,553     $ 10.20       110,053     $ 10.17  
                                                                 
Granted     —         —                         —         —         —         —    
                                                                 
Exercised     —         —                         —         —         —         —    
                                                                 
Expired/Terminated     (40,600 )     10.71                       (13,676 )     7.74       (6,500 )     9.70  
                                                                 
Outstanding—end of year     49,277     $ 10.47       3.18     $ —         89,877     $ 10.58       103,553     $ 10.20  
                                                                 
Options exercisable at year-end     49,277     $ 10.47       3.18     $ —         89,877     $ 10.58       103,553     $ 10.20  
                                                                 
Shares available for grant     266,309                               229,209               219,033          

 

The Company’s unvested options vested in 2011. The total fair value of the options vested during 2011 was $26,000. There was no compensation cost recognized during 2013,2012, and 2011.
XML 75 R80.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 3) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Financial assets:    
Cash and due from banks $ 6,339,676 $ 5,383,544
Interest-bearing deposits with banks 22,826,995 34,802,933
Certificates of deposit 350,000 100,000
Other investments 873,850 995,450
Loans-net 182,118,539 187,489,181
Cash surrender value of life insurance 9,948,016 9,619,382
Financial liabilities:    
Deposits 336,962,288 340,593,443
Advances from Federal Home Loan Bank 273,079 291,697
Commitments to Extend Credit [Member]
    
Off-balance-sheet financial instruments:    
Notional amount 26,313,000 24,335,000
Estimated fair value      
Letter of Credit [Member]
    
Off-balance-sheet financial instruments:    
Notional amount 2,125,000 2,218,000
Estimated fair value      
Fair Value, Inputs, Level 1 [Member]
    
Financial assets:    
Cash and due from banks 6,340,000 5,384,000
Interest-bearing deposits with banks 22,827,000 34,803,000
Certificates of deposit 350,000 100,000
Investment securities      
Other investments 874,000 995,000
Loans-net      
Cash surrender value of life insurance 9,948,000 9,619,000
Financial liabilities:    
Deposits 195,884,000 184,784,000
Advances from Federal Home Loan Bank      
Fair Value, Inputs, Level 2 [Member]
    
Financial assets:    
Cash and due from banks      
Interest-bearing deposits with banks      
Certificates of deposit      
Investment securities 141,285,000 131,245,000
Other investments      
Loans-net      
Cash surrender value of life insurance      
Financial liabilities:    
Deposits 141,884,000 156,248,000
Advances from Federal Home Loan Bank 273,000 292,000
Fair Value, Inputs, Level 3 [Member]
    
Financial assets:    
Cash and due from banks      
Interest-bearing deposits with banks      
Certificates of deposit      
Investment securities      
Other investments      
Loans-net 183,150,000 188,233,000
Cash surrender value of life insurance      
Financial liabilities:    
Deposits      
Advances from Federal Home Loan Bank      
Carrying (Reported) Amount, Fair Value Disclosure [Member]
    
Financial assets:    
Cash and due from banks 6,340,000 5,384,000
Interest-bearing deposits with banks 22,827,000 34,803,000
Certificates of deposit 350,000 100,000
Investment securities 141,285,000 131,222,000
Other investments 874,000 995,000
Loans-net 182,119,000 187,489,000
Cash surrender value of life insurance 9,948,000 9,619,000
Financial liabilities:    
Deposits 336,962,000 340,593,000
Advances from Federal Home Loan Bank 273,000 292,000
Estimate of Fair Value, Fair Value Disclosure [Member]
    
Financial assets:    
Cash and due from banks 6,340,000 5,384,000
Interest-bearing deposits with banks 22,827,000 34,803,000
Certificates of deposit 350,000 100,000
Investment securities 141,285,000 131,245,000
Other investments 874,000 995,000
Loans-net 183,150,000 188,233,000
Cash surrender value of life insurance 9,948,000 9,619,000
Financial liabilities:    
Deposits 337,768,000 341,032,000
Advances from Federal Home Loan Bank $ 273,000 $ 292,000
XML 76 R4.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF INCOME (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Interest income:      
Loans, including fees $ 10,487,067 $ 12,081,649 $ 11,970,684
Investment securities:      
Taxable 1,874,286 1,836,547 2,260,962
Tax-exempt 1,270,082 1,507,882 1,764,953
Dividends 37,771 38,481 35,198
Interest-bearing deposits 96,753 65,113 61,567
Total interest income 13,765,959 15,529,672 16,093,364
Interest expense:      
Deposits 902,663 1,050,460 1,526,829
Other borrowings 604 1,070 41
Total interest expense 903,267 1,051,530 1,526,870
Net interest income 12,862,692 14,478,142 14,566,494
Provision for loan losses 425,000 2,400,000 3,882,409
Net interest income after provision for loan losses 12,437,692 12,078,142 10,684,085
Noninterest income:      
Service charges on deposits 3,157,140 3,219,457 3,453,742
Gain on sales of securities 243,882 681,327 201,421
Gains on sales of assets       6,162
Bank owned life insurance 328,634 342,395 366,431
ATM surcharges 237,045 230,584 230,964
BEA award    415,000 500,000
Other operating income 514,418 1,060,098 702,138
Total noninterest income 4,481,119 5,948,861 5,460,858
Noninterest expense:      
Salaries and employee benefits 6,504,634 6,689,215 6,921,594
Occupancy and equipment 2,127,026 2,174,356 2,289,583
Other real estate owned, net 1,120,540 3,409,890 1,720,440
Other operating expenses 5,968,644 5,885,789 6,027,257
Total noninterest expense 15,720,844 18,159,250 16,958,874
Income (loss) before income taxes benefit 1,197,967 (132,247) (813,931)
Income tax benefit (150,806) (901,070) (1,082,557)
Net income 1,348,773 768,823 268,626
Preferred dividends 236,820 236,820 236,820
Net income available to common stockholders $ 1,111,953 $ 532,003 $ 31,806
Net income (loss) per common share - basic (in dollars per share) $ 0.52 $ 0.25 $ 0.02
Net income (loss) per common share - diluted (in dollars per share) $ 0.51 $ 0.25 $ 0.02
Weighted average common outstanding shares - basic (in shares) 2,152,780 2,157,732 2,120,366
Weighted average common outstanding shares - diluted (in shares) 2,165,610 2,165,396 2,134,188
XML 77 R12.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2013
Premises And Equipment  
PREMISES AND EQUIPMENT

4. PREMISES AND EQUIPMENT

Premises and equipment are summarized as follows:

    December 31,
    2013   2012
         
Land   $ 2,250,250     $ 2,250,250  
Buildings and improvements     7,672,526       7,606,772  
Furniture and equipment     9,101,730       9,000,496  
      19,024,506       18,857,518  
Less accumulated depreciation     12,435,342       11,901,379  
                 
    $ 6,589,164     $ 6,956,139  

 

Depreciation expense amounted to $616,000, $660,000 and $710,000 for the years ended December 31, 2013, 2012, and 2011, respectively.
XML 78 R11.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2013
Loans and Leases Receivable Disclosure [Abstract]  
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES
3. LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES

Loans outstanding, by classification, are summarized as follows (amounts in thousands):

    December 31,
    2013   2012
         
Commercial, financial, and agricultural   $ 20,292     $ 23,510  
Commercial Real Estate     120,180       125,239  
Single-Family Residential     34,864       34,523  
Construction and Development     3,626       1,813  
Consumer     6,314       5,913  
      185,276       190,998  
                 
          Allowance for loan losses     3,157       3,509  
                 
          Loans receivable – net   $ 182,119     $ 187,489  

 

Concentrations—The Company’s concentrations of credit risk are as follows:

A substantial portion of the Company’s loan portfolio is collateralized by real estate in metropolitan Atlanta and Birmingham markets. Accordingly, the ultimate collectibility of a substantial portion of the Company’s loan portfolio is susceptible to changes in market conditions in the metropolitan Atlanta and Birmingham areas.

  · The Company’s loans to area churches were approximately $40.9 million and $49.5 million at December 31, 2013 and 2012, respectively, which are generally secured by real estate.
  · The Company’s loans to area convenience stores were approximately $9.2 million and $9.3 million at December 31, 2013 and 2012, respectively. Loans to convenience stores are generally secured by real estate.
  · The Company’s loans to area hotels were approximately $25.7 million and $24.8 million at December 31, 2013 and 2012, respectively, which are generally secured by real estate.

 Allowance for Loan Losses—Activity in the allowance for loan losses is summarized as follows:

    Years Ended December 31,
    2013   2012   2011
             
Balance at beginning of year   $ 3,509,367     $ 3,955,731     $ 4,188,022  
Provision for loan losses     425,000       2,400,000       3,882,409  
Loans charged off     (1,485,514 )     (3,068,905 )     (4,301,629 )
Recoveries on loans previously charged off     707,969       222,541       186,929  
                         
Balance—end of year   $ 3,156,822     $ 3,509,367     $ 3,955,731  

 

Activity in the allowance for loan losses by portfolio segment is summarized as follows (in thousands):

 

    For the Year Ended December, 2013
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
                         
Beginning balance   $ 433     $ 1,853     $ 803     $ 177     $ 243     $ 3,509  
Provision for loan losses     (68 )     127       361       (56 )     61       425  
Loans charged-off     (22 )     (710 )     (554 )     (30 )     (169 )     (1,485 )
Recoveries on loans charged-off     41       451       121       35       60       708  
Ending Balance   $ 384     $ 1,721     $ 731     $ 126     $ 195     $ 3,157  

 

    For the Year Ended December, 2012
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
                         
Beginning balance   $ 394     $ 2,206     $ 696     $ 449     $ 211     $ 3,956  
Provision for loan losses     27       1,761       646       (140 )     106       2,400  
Loans charged-off     (21 )     (2,138 )     (625 )     (136 )     (149 )     (3,069 )
Recoveries on loans charged-off     33       24       86       4       75       222  
Ending Balance   $ 433     $ 1,853     $ 803     $ 177     $ 243     $ 3,509  

 

 

    For the Year Ended December, 2011
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
                         
Beginning balance   $ 365     $ 2,616     $ 376     $ 290     $ 541     $ 4,188  
Provision for loan losses     262       1,852       1,049       932       (212 )     3,883  
Loans charged-off     (262 )     (2,302 )     (749 )     (773 )     (216 )     (4,302 )
Recoveries on loans charged-off     29       40       20       —         98       187  
Ending Balance   $ 394     $ 2,206     $ 696     $ 449     $ 211     $ 3,956  

 

 

 

Portions of the allowance for loan losses may be allocated for specific loans or portfolio segments. However, the entire allowance for loan losses is available for any loan that, in the judgment of management, should be charged-off.

 

In determining our allowance for loan losses, we regularly review loans for specific reserves based on the appropriate impairment assessment methodology. Impaired loans are measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, or at the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent. At December 31, 2013 and 2012, substantially all of the total impaired loans were evaluated based on the fair value of the underlying collateral. General reserves are determined using historical loss trends measured over a rolling four quarter average for consumer loans, and a three year average loss factor for commercial loans which is applied to risk rated loans grouped by Federal Financial Examination Council (“FFIEC”) call code. For commercial loans, the general reserves are calculated by applying the appropriate historical loss factor to the loan pool. Impaired loans greater than a minimum threshold established by management are excluded from this analysis.   The sum of all such amounts determines our total allowance for loan losses.  

 

The allocation of the allowance for loan losses by portfolio segment was as follows (in thousands):

 

    At December 31, 2013
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
Specific Reserves:                                                
   Impaired loans   $ —       $ 3     $ —       $ —       $ —       $ 3  
   Total specific reserves     —         3       —         —         —         3  
General reserves     384       1,718       731       126       195       3,154  
Total   $ 384     $ 1,721     $ 731     $ 126     $ 195     $ 3,157  
                                                 
Loans individually evaluated for impairment   $ —       $ 10,705     $ 360     $ —       $ —       $ 11,065  
Loans collectively evaluated for impairment     20,292       109,475       34,504       3,626       6,314       174,211  
Total   $ 20,292     $ 120,180     $ 34,864     $ 3,626     $ 6,314     $ 185,276  

 

    At December 31, 2012
    Commercial   Commercial Real Estate   Single-family Residential   Construction & Development   Consumer   Total
Specific Reserves:                                                
   Impaired loans   $ —       $ 319     $ 1     $ —       $ —       $ 320  
   Total specific reserves     —         319       1       —         —         320  
General reserves     433       1,534       802       177       243       3,189  
Total   $ 433     $ 1,853     $ 803     $ 177     $ 243     $ 3,509  
                                                 
Loans individually evaluated for impairment   $ —       $ 17,248     $ 516     $ 278     $ —       $ 18,042  
Loans collectively evaluated for impairment     23,510       107,991       34,007       1,535       5,913       172,956  
Total   $ 23,510     $ 125,239     $ 34,523     $ 1,813     $ 5,913     $ 190,998  

 

The following table presents impaired loans by class of loan (in thousands):

 

    At December 31, 2013
                Impaired Loans - With        
    Impaired Loans - With Allowance   no Allowance        
    Unpaid Principal   Recorded Investment   Allowance for Loan Losses Allocated   Unpaid Principal   Recorded Investment   Average Recorded Investment   Interest Income Recognized
Residential:                                                        
   First mortgages   $ —       $ —       $ —       $ 231     $ 231     $ 231     $ —    
   HELOC's and equity     —         —         —         129       129       128       2  
Commercial                                                        
   Secured     —         —         —         —         —         —         —    
   Unsecured     —         —         —         —         —         —         —    
Commercial Real Estate:                                                        
   Owner occupied     —         —         —         10,300       7,968       8,049       534  
   Non-owner occupied     —         —         —         2,924       2,407       2,516       108  
   Multi-family     386       330       3       —         —         359       28  
Construction and Development:                                                      .  
   Construction     —         —         —         —         —         —         —    
   Improved Land     —         —         —         —         —         —         —    
   Unimproved Land     —         —         —         —         —         —         —    
Consumer and Other     —         —                 —         —         —         —    
Total   $ 386     $ 330     $ 3     $ 13,584     $ 10,735     $ 11,283     $ 672  

 

    At December 31, 2012
                Impaired Loans - With        
    Impaired Loans - With Allowance   no Allowance        
    Unpaid Principal   Recorded Investment   Allowance for Loan Losses Allocated   Unpaid Principal   Recorded Investment   Average Recorded Investment   Interest Income Recognized
Residential:                                                        
   First mortgages   $ —       $ —       $ —       $ 234     $ 230     $ 231     $ —    
   HELOC's and equity     77       77       1       261       209       210       44  
Commercial                                                        
   Secured     —         —         —         —         —         —         —    
   Unsecured     —         —         —         —         —         —         —    
Commercial Real Estate:                                                        
   Owner occupied     2,856       2,856       293       7,199       7,199       10,116       480  
   Non-owner occupied     492       319       24       7,056       5,770       6,420       673  
   Multi-family     388       388       2       716       716       1,053       103  
Construction and Development:                                                      .  
   Construction     —         —         —         120       121       122       55  
   Improved Land     —         —         —         418       157       169       6  
   Unimproved Land     —         —         —         —         —         —         —    
Consumer and Other     —         —                 —         —         —         —    
Total   $ 3,813     $ 3,640     $ 320     $ 16,004     $ 14,402     $ 18,321     $ 1,361  

 

The following table is an aging analysis of our loan portfolio (in thousands):

 

                At December 31, 2013            
    30- 59 Days Past Due   60- 89 Days Past Due   Over 90 Days Past Due   Total Past Due   Current   Total Loans Receivable   Recorded Investment > 90 Days and  Accruing   Nonaccrual
Residential:                                                                
   First mortgages   $ 1,778     $ 360     $ 1,840     $ 3,978     $ 22,348     $ 26,326     $ —       $ 3,334  
   HELOC's and equity     444       19       466       929       7,609       8,538       —         821  
Commercial:                                                                
   Secured     125       —         2       127       14,906       15,033       —         2  
   Unsecured     —         —         —         —         5,259       5,259       —         —    
Commercial Real Estate:                                                                
   Owner occupied     715       753       81       1,549       60,090       61,639       —         1,038  
   Non-owner occupied     38       199       286       523       43,287       43,810       —         1,550  
   Multi-family     747       —         —         747       13,984       14,731       —         330  
Construction and  Development:                                                                
   Construction     477       —         —         477       2,542       3,019       —         —    
   Improved Land     —         —         —         —         242       242       —         —    
   Unimproved Land     —         —         —         —         365       365       —         —    
Consumer and Other     6       30       45       81       6,233       6,314       —         45  
Total   $ 4,330     $ 1,361     $ 2,720     $ 8,411     $ 176,865     $ 185,276     $ —       $ 7,120  
                                                                 

 

                At December 31, 2012            
    30- 59 Days Past Due   60- 89 Days Past Due   Over 90 Days Past Due   Total Past Due   Current   Total Loans Receivable   Recorded Investment > 90 Days and  Accruing   Nonaccrual
Residential:                                                                
   First mortgages   $ 1,550     $ 957     $ 3,116     $ 5,623     $ 20,106     $ 25,729     $ —       $ 3,721  
   HELOC's and equity     218       32       291       541       8,253       8,794       —         321  
Commercial:                                                                
   Secured     24       —         5       29       16,827       16,856       —         5  
   Unsecured     5       —         —         5       6,649       6,654       —         —    
Commercial Real Estate:                                                                
   Owner occupied     1,463       188       394       2,045       55,603       57,648       —         2,029  
   Non-owner occupied     353       634       3,613       4,600       50,486       55,086       —         4,355  
   Multi-family     —         —         —         —         12,505       12,505       —         —    
Construction and  Development:                                                                
   Construction     767       —         —         767       222       989       —         —    
   Improved Land     —         —         120       120       331       451       —         120  
   Unimproved Land     —         —         157       157       216       373       —         157  
Consumer and Other     49       43       87       179       5,734       5,913       —         87  
Total   $ 4,429     $ 1,854     $ 7,783     $ 14,066     $ 176,932     $ 190,998     $ —       $ 10,795  

 

Each of our portfolio segments and the classes within those segments are subject to risks that could have an adverse impact on the credit quality of our loan and lease portfolio. Management has identified the most significant risks as described below which are generally similar among our segments and classes. While the list in not exhaustive, it provides a description of the risks that management has determined are the most significant.

 

Commercial, financial and agricultural loans—We centrally underwrite each of our commercial loans based primarily upon the customer’s ability to generate the required cash flow to service the debt in accordance with the contractual terms and conditions of the loan agreement. We endeavor to gain a complete understanding of our borrower’s businesses including the experience and background of the principals. To the extent that the loan is secured by collateral, which is a predominant feature of the majority of our commercial loans, we gain an understanding of the likely value of the collateral and what level of strength the collateral brings to the loan transaction. To the extent that the principals or other parties provide personal guarantees, we analyze the relative financial strength and liquidity of each guarantor. Common risks to each class of commercial loans include risks that are not specific to individual transactions such as general economic conditions within our markets, as well as risks that are specific to each transaction including demand for products and services, personal events such as disability or change in marital status, and reductions in the value of our collateral. Due to the concentration of loans in the metro Atlanta and Birmingham areas, we are susceptible to changes in market and economic conditions of these areas.

 

Consumer—The installment loan portfolio includes loans secured by personal property such as automobiles, marketable securities, other titled recreational vehicles and motorcycles, as well as unsecured consumer debt. The value of underlying collateral within this class is especially volatile due to potential rapid depreciation in values since date of loan origination in excess of principal repayment.

 

Commercial Real Estate—Real estate commercial loans consist of loans secured by multifamily housing, commercial non-owner and owner occupied and other commercial real estate loans. The primary risk associated with multifamily loans is the ability of the income-producing property that collateralizes the loan to produce adequate cash flow to service the debt. High unemployment or generally weak economic conditions may result in our customer having to provide rental rate concessions to achieve adequate occupancy rates. Commercial owner-occupied and other commercial real estate loans are primarily dependent on the ability of our customers to achieve business results consistent with those projected at loan origination resulting in cash flow sufficient to service the debt. To the extent that a customer’s business results are significantly unfavorable versus the original projections, the ability for our loan to be serviced on a basis consistent with the contractual terms may be at risk. These loans are primarily secured by real property and can include other collateral such as personal guarantees, personal property, or business assets such as inventory or accounts receivable, it is possible that the liquidation of the collateral will not fully satisfy the obligation. Also, due to the concentration of loans in the metro Atlanta and Birmingham areas, we are susceptible to changes in market and economic conditions of these areas.

 

Single-Family Residential—Real estate residential loans are to individuals and are secured by 1-4 family residential property. Significant and rapid declines in real estate values can result in residential mortgage loan borrowers having debt levels in excess of the current market value of the collateral. Such a decline in values has led to unprecedented levels of foreclosures and losses during 2008-2012 within the banking industry.

 

Construction and Development—Real estate construction loans are highly dependent on the supply and demand for residential and commercial real estate in the markets we serve as well as the demand for newly constructed commercial space and residential homes and lots that our customers are developing. Continuing deterioration in demand could result in significant decreases in the underlying collateral values and make repayment of the outstanding loans more difficult for our customers. Real estate construction loans can experience delays in completion and cost overruns that exceed the borrower’s financial ability to complete the project. Such cost overruns can routinely result in foreclosure of partially completed and unmarketable collateral.

 

Risk categories—The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. Loans classified as substandard or special mention are reviewed quarterly by the Company for further deterioration or improvement to determine if appropriately classified and impairment, if any. All other loan relationships greater than $750,000 are reviewed at least annually to determine the appropriate loan grading. In addition, during the renewal process of any loan, as well as if a loan becomes past due, the Company will evaluate the loan grade.

 

 

Loans excluded from the scope of the annual review process above are generally classified as pass credits until: (a) they become past due; (b) management becomes aware of deterioration in the credit worthiness of the borrower; or (c) the customer contacts the Company for a modification. In these circumstances, the loan is specifically evaluated for potential classification as to special mention, substandard or even charged off. The Company uses the following definitions for risk ratings:

 

Special Mention Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution's credit position at some future date.

 

Substandard Loans classified as substandard are inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

 

The following table presents our loan portfolio by risk rating (in thousands):

 

    At December 31, 2013
    Total   Pass Credits   Special Mention   Substandard   Doubtful
Single-Family Residential:                                        
    First mortgages   $ 26,326     $ 24,126     $ —       $ 2,200     $ —    
    HELOC's and equity     8,538       7,686       22       728       102  
Commercial, financial, and agricultural:                                        
    Secured     15,033       15,009       —         24       —    
    Unsecured     5,259       5,259       —         —         —    
Commercial Real Estate:                                        
    Owner occupied     61,639       50,921       5,929       4,789       —    
    Non-owner occupied     43,810       40,482       819       2,509       —    
    Multi-family     14,731       13,704       647       380       —    
Construction and Development:                                        
    Construction     3,019       3,019       —         —         —    
    Improved Land     242       197       —         45       —    
    Unimproved Land     365       —         —         365       —    
Consumer     6,314       6,224       —         90       —    
     Total   $ 185,276     $ 166,627     $ 7,417     $ 11,130     $ 102  

 

    At December 31, 2012
    Total   Pass Credits   Special Mention   Substandard   Doubtful
Single-Family Residential:                                        
    First mortgages   $ 25,729     $ 21,656     $ —       $ 4,073     $ —    
    HELOC's and equity     8,794       7,745       583       466       —    
Commercial, financial, and agricultural:                                        
    Secured     16,856       16,788       37       31       —    
    Unsecured     6,654       5,456       1,185       13       —    
Commercial Real Estate:                                        
    Owner occupied     57,648       44,252       9,551       3,845       —    
    Non-owner occupied     55,086       45,127       3,248       6,711       —    
    Multi-family     12,505       10,636       1,413       456       —    
Construction and Development:                                        
    Construction     989       869       120       —         —    
    Improved Land     451       245       —         206       —    
    Unimproved Land     373       —         —         373       —    
Consumer     5,913       5,801       —         87       25  
     Total   $ 190,998     $ 158,575     $ 16,137     $ 16,261     $ 25  

 

As a result of adopting the amendments in ASU 2011-02, the Bank reassessed all restructurings that occurred on or after the beginning of the year of adoption (January 1, 2011) to determine whether they are considered TDRs under the amended guidance.  The Bank identified as TDRs certain loans for which the allowance for loan losses had previously been measured under a general allowance methodology. Upon identifying those loans as TDRs, the Bank identified them as impaired under the guidance in ASC 310-10-35. The amendments in ASU 2011-02 require prospective application of the impairment measurement guidance in ASC 310-10-35 for those loans newly identified as impaired. As of December 31, 2013, the Company did not identify any loans as TDRs under the amended guidance for which the loan was previously measured under a general allowance methodology.

 

During the year ended December 31, 2013, the Bank modified 11 loans that were considered to be troubled debt restructurings. We extended the terms on 4 loans and decreased the interest rate on 7 loans (dollar in thousands).

 

    December 31, 2013
    Number of Loans   Pre-Modification Recorded Investment   Post-Modification Recorded Investment
Troubled Debt Restructurings            
Residential:                        
HELOC's and equity     5     $ 339     $ 340  
Commercial Real Estate:                        
Owner occupied     3       408       414  
Non-owner occupied     3       766       740  
Total     11     $ 1,513     $ 1,494  

 

During the year ended December 31, 2012, the Bank modified 8 loans that were considered to be troubled debt restructurings. We extended the terms and decreased the interest rate on 8 loans (dollar in thousands).

 

    December 31, 2012
    Number of Loans   Pre-Modification Recorded Investment   Post-Modification Recorded Investment
Troubled Debt Restructurings            
Residential:                        
Residential mortgages     2     $ 412     $ 424  
Commercial Real Estate:                        
Owner occupied     5       4,442       4,428  
Non-owner occupied     1       114       113  
Total     8     $ 4,968     $ 4,965  

 

During 2013 and 2012, one loan that had previously been restructured within the previous twelve months was in default.

In the determination of the allowance for loan losses, management considers troubled debt restructurings and subsequent defaults in these restructurings by performing the usual process for all loans in determining the allowance for loan loss. The Company considers a default as failure to comply with the restructured loan agreement. This would include the restructured loan being past due greater than 90 days, failure to comply with financial covenants, or failure to maintain current insurance coverage or real estate taxes after the loan restructured date. 
XML 79 R23.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUPPLEMENTARY INCOME STATEMENT INFORMATION
 12 Months Ended
Dec. 31, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
SUPPLEMENTARY INCOME STATEMENT INFORMATION

  15. SUPPLEMENTARY INCOME STATEMENT INFORMATION

Components of other operating expenses in excess of 1% of total interest income and other income in any of the respective years are approximately as follows:

    For the years ended
    2013   2012   2011
             
Professional services—legal   $ 438,208     $ 457,422     $ 596,841  
Professional services—other     723,505       537,527       561,831  
Stationery and supplies     200,116       229,104       204,082  
Advertising     154,389       132,700       151,765  
Data processing     664,240       623,156       529,359  
ATM charges     167,728       200,314       219,069  
Telephone     305,279       307,374       304,156  
FDIC insurance premium     533,447       652,515       647,804  
Amortization of core deposit intangible     471,918       471,918       471,918  
Security and protection expense     389,614       420,707       469,576  
Other benefit expenses     336,066       365,409       375,548  
Other miscellaneous expenses     1,584,134       1,487,643       1,495,308  
                         
    $ 5,968,644     $ 5,885,789     $ 6,027,257  

 
XML 80 R19.htm IDEA: XBRL DOCUMENT v2.4.0.8
NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE
 12 Months Ended
Dec. 31, 2013
Earnings Per Share [Abstract]  
NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE
11. NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE

Basic and diluted net income per common and potential common share has been calculated based on the weighted average number of shares outstanding. Options that are potentially dilutive are deemed not to be dilutive for 2013, 2012 and 2011 due to the exercise price of all options being greater than the average market price of the Company’s stock during those years. As of December 31, 2013, 2012, and 2011 there were 49,277, 89,877, and 103,553 potentially dilutive options outstanding, respectively. The following schedule reconciles the numerators and denominator of the basic and diluted net income per common and potential common share for the years ended December 31, 2013, 2012, and 2011.

    Net Income   Shares   Per Share
    (Numerator)   (Denominator)   Amount
             
Year ended December 31, 2013                        
                         
Basic earnings per share available to common stockholders   $ 1,111,953       2,152,780     $ 0.52  
Nonvested restricted stock grant     —         12,830       (0.01 )
Effect of dilutive securities: options to purchase common shares     —         —         —    
Diluted earnings per share   $ 1,111,953       2,165,610     $ 0.51  
                         
Year ended December 31, 2012                        
                         
Basic earnings per share available to common stockholders   $ 532,003       2,157,732     $ 0.25  
Nonvested restricted stock grant     —         7,664       —    
Effect of dilutive securities: options to purchase common shares     —         —         —    
Diluted earnings per share   $ 532,003       2,165,396     $ 0.25  
                         
Year ended December 31, 2011                        
                         
Basic earnings per share available to common stockholders   $ 31,806       2,120,366     $ 0.02  
Nonvested restricted stock grant     —         13,822       —    
Effect of dilutive securities: options to purchase common shares     —         —         —    
Diluted earnings per share   $ 31,806       2,134,188     $ 0.02  
XML 81 R84.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL INFORMATION OF CITIZENS BANCSHARES CORPORATION (PARENT ONLY) (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
ASSETS        
Other assets $ 9,996,714 $ 10,841,502    
Total assets 387,732,673 395,604,729    
LIABILITIES AND STOCKHOLDERS' EQUITY        
Total liabilities 341,424,881 346,450,624    
Stockholders' equity 46,307,792 49,154,105 48,533,178 45,816,921
Total liabilities and stockholders' equity 387,732,673 395,604,729    
Parent Company [Member]
        
ASSETS        
Cash 9,837 204,166    
Investment in Bank 46,083,430 48,834,169    
Other assets 321,609 229,252    
Total assets 46,414,876 49,267,587    
LIABILITIES AND STOCKHOLDERS' EQUITY        
Total liabilities 107,084 113,482    
Stockholders' equity 46,307,792 49,154,105    
Total liabilities and stockholders' equity $ 46,414,876 $ 49,267,587    
XML 82 R15.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES
 12 Months Ended
Dec. 31, 2013
Income Tax Disclosure [Abstract]  
INCOME TAXES

7.       INCOME TAXES

 

The components of income tax expense consist of:

    2013   2012   2011
             
Current tax expense (benefit)   $ 49,090     $ (86,388 )   $ 675,212  
Deferred tax expense (benefit)     (199,896 )     (814,682 )     (1,757,769 )
                         
Total income tax (benefit)   $ (150,806 )   $ (901,070 )   $ (1,082,557 )

 

Income tax expense for the years ended December 31, 2013, 2012, and 2011 differed from the amounts computed by applying the statutory federal income tax rate of 34% to earnings before income taxes as follows:

    2013   2012   2011
             
Income tax expense at statutory rate   $ 407,309     $ (44,963 )   $ (276,737 )
Tax-exempt interest income—net of disallowed interest expense     (515,458 )     (593,130 )     (593,502 )
Cash surrender value of life insurance income     (111,736 )     (205,634 )     (125,420 )
Other—net     69,079       (57,343 )     (86,898 )
                         
           Income tax (benefit)   $ (150,806 )   $ (901,070 )   $ (1,082,557 )

 

 

In 2013, the valuation allowance increased by $39,760.

 

 

The tax effects of temporary differences that give rise to significant amounts of deferred tax assets and deferred tax liabilities are presented below:

 

    2013   2012
Deferred tax assets:                
  Net operating losses and credits   $ 3,249,677     $ 1,114,223  
  Loans, principally due to difference in allowance for loan losses and deferred loan fees     826,499       1,207,696  
  Nonaccrual loan interest     55,364       1,096,904  
  Postretirement benefit accrual, deferred compensation     1,140,791       1,073,002  
  Net unrealized loss on securities available for sale      557,165       —    
  Other real estate owned     610,821       808,479  
  Other     685,120       1,213,850  
           Gross deferred tax asset     7,125,437       6,514,154  
  Valuation allowance     (168,234 )     (128,474 )
                 
           Total  deferred tax assets     6,957,203       6,385,680  
                 
Deferred tax liabilities:                
  Net unrealized gain on securities available for sale     —         1,399,858  
  Purchased loan discount     34,209       68,417  
  Premises and equipment     165,493       364,990  
  Other     121,217       73,050  
                 
           Total deferred tax liabilities     320,919       1,906,315  
                 
           Net deferred tax assets   $ 6,636,284     $ 4,479,365  

 

The Company has, at December 31, 2013, net operating loss carryforwards of approximately $7,097,849 for federal income tax purposes and $5,042,011 for state income tax purposes, which begin to expire in the year 2016. The Company also has certain state income tax credits of $387,313 at December 31, 2013 which begins to expire in the year 2014. Due to the uncertainty relating to the realizability of all the carryforwards and credits, management currently considers it more likely than not that all related deferred tax assets will not be realized; thus, a $168,234 valuation allowance has been provided against state tax carry forwards totaling $4,248,345.

Tax returns for 2010 and subsequent years are subject to examination by taxing authorities.

The Company believes that its income tax filing positions taken or expected to be taken in its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company’s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded.
XML 83 R60.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Activity in allowance for loan losses      
Beginning balance $ 3,509,367 $ 3,955,731 $ 4,188,022
Provision for loan losses 425,000 2,400,000 3,882,409
Loans charged-off (1,485,514) (3,068,905) (4,301,629)
Recoveries on loans previously charged-off 707,969 222,541 186,929
Ending Balance $ 3,156,822 $ 3,509,367 $ 3,955,731
XML 84 R13.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS
 12 Months Ended
Dec. 31, 2013
Banking and Thrift [Abstract]  
DEPOSITS

5. DEPOSITS

 

The following is a summary of interest-bearing deposits:

    December 31,
    2013   2012
         
NOW and money market accounts   $ 92,793,796     $ 92,671,544  
Savings accounts     31,947,780       32,770,028  
Time deposits of $100,000 or more     107,489,990       121,223,645  
Other time deposits     33,588,990       34,585,918  
                 
    $ 265,820,556     $ 281,251,135  

 

The Company participates in the Certificate of Deposit Account Registry Services (“CDARS”), a program that allows its customers the ability to benefit from the FDIC insurance coverage on their time deposits over the $250,000 limit. The Company had $22,374,841 and $14,963,966 in CDARS deposits at December 31, 2013 and 2012, respectively.

At December 31, 2013, maturities of time deposits are approximately as follows:

2014   $ 97,657,485  
2015     6,694,099  
2016     6,773,570  
2017     19,125,750  
2018 and thereafter     10,828,076  
    $ 141,078,980  
XML 85 R14.htm IDEA: XBRL DOCUMENT v2.4.0.8
OTHER BORROWINGS
 12 Months Ended
Dec. 31, 2013
Banking and Thrift [Abstract]  
OTHER BORROWINGS

6. OTHER BORROWINGS

Federal Home Loan Bank Advances— In August 2006, the Company received an Affordable Housing Program Award in the amount of $400,000. The AHP is a principal reducing credit with an interest rate of zero, and at December 31, 2013 and 2012 had a remaining balance of approximately $273,000and $292,000, respectively. These advances are collateralized by FHLB stock, a blanket lien on the Bank’s 1-4 family mortgages, and certain commercial real estate loans and investment securities. As of December 31, 2013 and 2012, total loans pledged as collateral were$33,186,000 and $25,087,000, respectively.

 

As of December 31, 2013 and 2012, maturities of the Company's Federal Home Loan Bank Advances are approximately as follows:

 

          December 31,          
Maturity       Rate                                   2013   2012
               
August-2026 (1) N/A   $ 273,079 $ 291,697

 

(1) Represents an Affordable Housing Program (AHP) award used to subsidize loans for homeownership or rental initiatives. The AHP is a principal reducing credit, scheduled to mature on August 17, 2026 with an interest rate of zero.

 

At December 31, 2013, the Company has a $78.3 million line of credit facility at the FHLB of which $20.3million was outstanding consisting of an advance of $273,000 and a letter of credit to secure public deposits in the amount of $20.0 million. The Company also had $17.7 million of borrowing capacity at the Federal Reserve Bank discount window.

 
XML 86 R16.htm IDEA: XBRL DOCUMENT v2.4.0.8
EMPLOYEE BENEFITS
 12 Months Ended
Dec. 31, 2013
Compensation and Retirement Disclosure [Abstract]  
EMPLOYEE BENEFITS

8. EMPLOYEE BENEFITS

Defined Contribution Plan—The Company sponsors a defined contribution 401(k) plan covering substantially all full-time employees. Employee contributions are voluntary. The Company matches 50% of the employee contributions up to a maximum of 6% of compensation. During the years ended December 31, 2013, 2012 and 2011, the Company recognized$96,000, $98,000 and$105,000, respectively, in expenses related to this plan. The Bank previously had Post Retirement Benefit Plans that provide retirement benefits to certain officers, board members, certain former officers and former board members. The Bank also has a Life Insurance Endorsement Method Split Dollar Plan (“Split Dollar Life Insurance Plan”) for the same participants which provide death benefits for their designated beneficiaries through an endorsement of a portion of the death benefit otherwise payable to the Bank. Under the Post Retirement Benefit and Split Dollar Life Insurance Plans ("The Plans"), the Board purchased life insurance contracts on certain participants. During 2008, the Bank discontinued participation in The Plans and converted certain key officers and active board members into a defined Supplemental Retirement Benefit Plans (“SERP”) and certain key officers into a Life Insurance Bonus Plan. Certain other participants were paid-out with eight participants remaining in The Plans.

 

The increase in cash surrender value for the contracts on those participants remaining in the Post Retirement Benefit Plan, less the Bank’s premiums, constitutes the Bank’s contribution to the Post Retirement Benefit Plans each year. In the event the insurance contracts fail to produce positive returns, the Bank has no obligation to contribute to the Post Retirement Benefit Plan. At December 31, 2013 and 2012, the cash surrender value of these insurance contracts was$9,948,000 and $9,619,000, respectively.

During 2009, the Company converted the Post Retirement Benefit Plan for its key officers and active Board members into the SERP. For the SERP and the Post Retirement Benefit Plans, the Company recognized $336,000, $365,000, and $376,000 in 2013, 2012 and 2011, respectively, in noninterest expenses. The Company recognized $329,000, $342,000, and $366,000 in 2013, 2012 and 2011, respectively, in noninterest income related to the insurance contracts. Upon completion of the conversion, most key officers and active Board members participating in the Split Dollar Life Insurance Plan surrendered their interest in the death benefit portion of the plan. In exchange for relinquishing the postretirement death benefit, the Company implemented a Life Insurance Bonus Plan ("The Bonus Plan") for most key officers to provide death benefits for their designated beneficiaries. The Company pays the participating officers an annual compensation amount to pay the annual premiums on the insurance policies. The Company incurred $46,000,$65,000, and $78,000in expenses related to the Bonus Plan in 2013, 2012and 2011, respectively.
XML 87 R64.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due $ 4,330,000 $ 4,429,000
60-89 Days Past Due 1,361,000 1,854,000
Over 90 Days Past Due 2,720,000 7,783,000
Total Past Due 8,411,000 14,066,000
Current 176,865,000 176,932,000
Total 185,276,000 190,998,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual 7,120,000 10,795,000
Minimum amount required for loan to be reviewed at least annually to determine appropriate loan grading 7,500,000  
Single Family Residential Mortgage [Member]
    
Financing Receivable, Impaired [Line Items]    
Total 34,864,000 34,523,000
Commercial Financial and Agricultural Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
Total 20,292,000 23,510,000
Commercial Real Estate Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
Total 120,180,000 125,239,000
Construction and Development Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
Total 3,626,000 1,813,000
Consumer Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due 6,000 49,000
60-89 Days Past Due 30,000 43,000
Over 90 Days Past Due 45,000 87,000
Total Past Due 81,000 179,000
Current 6,233,000 5,734,000
Total 6,314,000 5,913,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual 45,000 87,000
First Mortgage [Member] | Single Family Residential Mortgage [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due 1,778,000 1,550,000
60-89 Days Past Due 360,000 957,000
Over 90 Days Past Due 1,840,000 3,116,000
Total Past Due 3,978,000 5,623,000
Current 22,348,000 20,106,000
Total 26,326,000 25,729,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual 3,334,000 3,721,000
Home Equity Line of Credit [Member] | Single Family Residential Mortgage [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due 444,000 218,000
60-89 Days Past Due 19,000 32,000
Over 90 Days Past Due 466,000 291,000
Total Past Due 929,000 541,000
Current 7,609,000 8,253,000
Total 8,538,000 8,794,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual 821,000 321,000
Secured Financing Receivable [Member] | Commercial Financial and Agricultural Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due 125,000 24,000
60-89 Days Past Due      
Over 90 Days Past Due 2,000 5,000
Total Past Due 127,000 29,000
Current 14,906,000 16,827,000
Total 15,033,000 16,856,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual 2,000 5,000
Unsecured Financing Receivable [Member] | Commercial Financial and Agricultural Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due    5,000
60-89 Days Past Due      
Over 90 Days Past Due      
Total Past Due    5,000
Current 5,259,000 6,649,000
Total 5,259,000 6,654,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual      
Owner Occupied Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due 715,000 1,463,000
60-89 Days Past Due 753,000 188,000
Over 90 Days Past Due 81,000 394,000
Total Past Due 1,549,000 2,045,000
Current 60,090,000 55,603,000
Total 61,639,000 57,648,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual 1,038,000 2,029,000
Non Owner Occupied Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due 38,000 353,000
60-89 Days Past Due 199,000 634,000
Over 90 Days Past Due 286,000 3,613,000
Total Past Due 523,000 4,600,000
Current 43,287,000 50,486,000
Total 43,810,000 55,086,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual 1,550,000 4,355,000
Multi Family Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due 747,000   
60-89 Days Past Due      
Over 90 Days Past Due      
Total Past Due 747,000   
Current 13,984,000 12,505,000
Total 14,731,000 12,505,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual 330,000   
Construction Financing Receivable [Member] | Construction and Development Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due 477,000 767,000
60-89 Days Past Due      
Over 90 Days Past Due      
Total Past Due 477,000 767,000
Current 2,542,000 222,000
Total 3,019,000 989,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual      
Improved Land Financing Receivable [Member] | Construction and Development Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due      
60-89 Days Past Due      
Over 90 Days Past Due    120,000
Total Past Due    120,000
Current 242,000 331,000
Total 242,000 451,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual    120,000
Unimproved Land Financing Receivable [Member] | Construction and Development Portfolio Segment [Member]
    
Financing Receivable, Impaired [Line Items]    
30-59 Days Past Due      
60-89 Days Past Due      
Over 90 Days Past Due    157,000
Total Past Due    157,000
Current 365,000 216,000
Total 365,000 373,000
Recorded Investment > 90 Days and Accruing      
Nonaccrual    $ 157,000
XML 88 R85.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL INFORMATION OF CITIZENS BANCSHARES CORPORATION (PARENT ONLY) (Details 2) (USD $)
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Condensed Financial Statements, Captions [Line Items]                      
Income (loss) before income tax benefit and equity in undistributed earnings of the subsidiary $ 375,000 $ 341,000 $ 245,000 $ 237,000 $ 374,000 $ 218,000 $ (708,000) $ (16,000) $ 1,197,967 $ (132,247) $ (813,931)
Income tax benefit (101,000) 11,000 (26,000) (35,000) (241,000) (50,000) (461,000) (149,000) 150,806 901,070 1,082,557
Net income 476,000 330,000 271,000 272,000 615,000 268,000 (247,000) 133,000 1,348,773 768,823 268,626
Parent Company [Member]
                      
Condensed Financial Statements, Captions [Line Items]                      
Dividends from subsidiary                 500,000      
Other revenue                    3,113   
Total revenue                 500,000 3,113   
Total expenses                 291,771 412,512 249,311
Income (loss) before income tax benefit and equity in undistributed earnings of the subsidiary                 208,229 (409,399) (249,311)
Income tax benefit                 92,356 143,314 84,769
Income (loss) before equity in undistributed earnings of the subsidiary                 300,585 (266,085) (164,542)
Equity in undistributed earnings of the subsidiary                 1,048,188 1,034,908 433,168
Net income                 $ 1,348,773 $ 768,823 $ 268,626
XML 89 R66.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 8) (Troubled Debt Restructuring [Member], USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
item
Dec. 31, 2012
item
Financing Receivable, Modifications [Line Items]    
Number of Loans 11 7
Pre-Modification Recorded Investment $ 1,513 $ 4,968
Post-Modification Recorded Investment 1,494 4,965
Number of loans for which Term was Extended 4  
Number of loans for which interest rate was modified. 7  
Troubled Debt Restructurings that subsequently defaulted 1 1
Home Equity Line of Credit [Member] | Single Family Residential Mortgage [Member]
    
Financing Receivable, Modifications [Line Items]    
Number of Loans 5  
Pre-Modification Recorded Investment 339  
Post-Modification Recorded Investment 340  
Owner Occupied Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]
    
Financing Receivable, Modifications [Line Items]    
Number of Loans 3 5
Pre-Modification Recorded Investment 408 4,422
Post-Modification Recorded Investment 414 114
Non Owner Occupied Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]
    
Financing Receivable, Modifications [Line Items]    
Number of Loans 3 1
Pre-Modification Recorded Investment 766 114
Post-Modification Recorded Investment 740 113
First Mortgage [Member] | Single Family Residential Mortgage [Member]
    
Financing Receivable, Modifications [Line Items]    
Number of Loans   2
Pre-Modification Recorded Investment   412
Post-Modification Recorded Investment   $ 424
XML 90 R63.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)
 12 Months Ended 12 Months Ended 3 Months Ended 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2013
Single Family Residential Mortgage [Member]
Dec. 31, 2012
Single Family Residential Mortgage [Member]
Dec. 31, 2013
Commercial Financial and Agricultural Portfolio Segment [Member]
Dec. 31, 2012
Commercial Financial and Agricultural Portfolio Segment [Member]
Dec. 31, 2013
Commercial Real Estate Portfolio Segment [Member]
Dec. 31, 2012
Commercial Real Estate Portfolio Segment [Member]
Dec. 31, 2013
Construction and Development Portfolio Segment [Member]
Dec. 31, 2012
Construction and Development Portfolio Segment [Member]
Dec. 31, 2013
Consumer Portfolio Segment [Member]
Dec. 31, 2012
Consumer Portfolio Segment [Member]
Dec. 31, 2013
First Mortgage [Member]
Single Family Residential Mortgage [Member]
Dec. 31, 2012
First Mortgage [Member]
Single Family Residential Mortgage [Member]
Dec. 31, 2013
Home Equity Line of Credit [Member]
Single Family Residential Mortgage [Member]
Dec. 31, 2012
Home Equity Line of Credit [Member]
Single Family Residential Mortgage [Member]
Dec. 31, 2013
Secured Financing Receivable [Member]
Commercial Financial and Agricultural Portfolio Segment [Member]
Dec. 31, 2012
Secured Financing Receivable [Member]
Commercial Financial and Agricultural Portfolio Segment [Member]
Dec. 31, 2013
Unsecured Financing Receivable [Member]
Commercial Financial and Agricultural Portfolio Segment [Member]
Dec. 31, 2012
Unsecured Financing Receivable [Member]
Commercial Financial and Agricultural Portfolio Segment [Member]
Dec. 31, 2013
Owner Occupied Financing Receivable [Member]
Commercial Real Estate Portfolio Segment [Member]
Dec. 31, 2012
Owner Occupied Financing Receivable [Member]
Commercial Real Estate Portfolio Segment [Member]
Dec. 31, 2013
Non Owner Occupied Financing Receivable [Member]
Commercial Real Estate Portfolio Segment [Member]
Dec. 31, 2012
Non Owner Occupied Financing Receivable [Member]
Commercial Real Estate Portfolio Segment [Member]
Dec. 31, 2013
Multi Family Financing Receivable [Member]
Commercial Real Estate Portfolio Segment [Member]
Dec. 31, 2012
Multi Family Financing Receivable [Member]
Commercial Real Estate Portfolio Segment [Member]
Dec. 31, 2013
Construction Financing Receivable [Member]
Construction and Development Portfolio Segment [Member]
Dec. 31, 2012
Construction Financing Receivable [Member]
Construction and Development Portfolio Segment [Member]
Dec. 31, 2013
Improved Land Financing Receivable [Member]
Construction and Development Portfolio Segment [Member]
Dec. 31, 2012
Improved Land Financing Receivable [Member]
Construction and Development Portfolio Segment [Member]
Dec. 31, 2012
Unimproved Land Financing Receivable [Member]
Construction and Development Portfolio Segment [Member]
Dec. 31, 2013
Unimproved Land Financing Receivable [Member]
Construction and Development Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]                                                                
Impaired Loans - With Allowance, Unpaid Principal $ 386,000 $ 3,813,000                                $ 77,000                $ 2,856,000    $ 492,000 $ 386,000 $ 388,000                  
Impaired Loans - With Allowance, Recorded Investment 330,000 3,640,000                                77,000                2,856,000    319,000 330,000 388,000                  
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated 3,000 320,000    1,000       3,000 319,000                      1,000                293,000    24,000 3,000 2,000                  
Impaired Loans - With no Allowance, Unpaid Principal 13,584,000 16,004,000                       231,000 234,000 129,000 261,000             10,300,000 7,199,000 2,924,000 7,056,000    716,000    120,000    418,000      
Impaired Loans - With no Allowance, Recorded Investment 10,735,000 14,402,000                       231,000 230,000 129,000 209,000             7,968,000 7,199,000 2,407,000 5,770,000    716,000    121,000    157,000      
Average Recorded Investment 11,283,000 18,321,000                       231,000 231,000 128,000 210,000             8,049,000 10,116,000 2,516,000 6,420,000 359,000 1,053,000    122,000    169,000      
Interest Income Recognized $ 672,000 $ 1,361,000                             $ 2,000 $ 44,000             $ 534,000 $ 480,000 $ 108,000 $ 673,000 $ 28,000 $ 103,000    $ 55,000    $ 6,000      
XML 91 R34.htm IDEA: XBRL DOCUMENT v2.4.0.8
OTHER BORROWINGS (Tables)
 12 Months Ended
Dec. 31, 2013
Banking and Thrift [Abstract]  
Schedule of maturities of the Company's Federal Home Loan Bank advances
          December 31,          
Maturity       Rate                                   2013   2012
               
August-2026 (1) N/A   $ 273,079 $ 291,697
XML 92 R51.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 7) (USD $)
Dec. 31, 2013
Estimated aggregate amortization expense of core deposit intangibles  
2014 $ 471,918
2015 471,918
2016 117,980
2017 and thereafter   
XML 93 R21.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCKHOLDERS' EQUITY
 12 Months Ended
Dec. 31, 2013
Equity [Abstract]  
STOCKHOLDERS' EQUITY

13. STOCKHOLDERS’ EQUITY

Capital Adequacy—The Company and the Bank are subject to various regulatory capital requirements administered by state and federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2013, the Company meets all capital adequacy requirements to which it is subject.

As of December 31, 2013, the Bank was considered “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized,” the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table.

 

 

The Company’s and the Bank’s actual capital amounts and ratios are also presented in the table below (in thousands):

                    To Be Well
            For Capital   Capitalized Under
            Adequacy   Prompt Corrective
    Actual   Purposes   Action Provisions
    Amount   Ratio   Amount   Ratio   Amount   Ratio
                         
                         
As of December 31, 2013                                                
                                                 
Total capital (to risk weighted assets):                                                
Consolidated   $ 44,601       19 %   $ 18,768       8 %       N/A           N/A    
Bank     44,376       19 %     18,779       8 %   $ 23,473       10 %
                                                 
Tier I capital (to risk weighted assets):                                                
Consolidated     41,665       18 %     9,384       4 %       N/A           N/A    
Bank     41,441       18 %     9,389       4 %     14,084       6 %
                                                 
Tier I capital (to average assets):                                                
Consolidated     41,665       11 %     15,600       4 %       N/A           N/A    
Bank     41,441       11 %     15,634       4 %     19,543       5 %
                                                 
As of December 31, 2012                                                
                                                 
Total capital (to risk weighted assets):                                                
Consolidated   $ 44,422       19 %   $ 19,038       8 %       N/A           N/A    
Bank     44,099       19 %     19,019       8 %   $ 23,774       10 %
                                                 
Tier I capital (to risk weighted assets):                                                
Consolidated     41,441       17 %     9,519       4 %       N/A           N/A    
Bank     41,121       17 %     9,510       4 %     14,265       6 %
                                                 
Tier I capital (to average assets):                                                
Consolidated     41,441       11 %     15,455       4 %       N/A           N/A    
Bank     41,121       11 %     15,447       4 %     19,309       5 %

 

Dividend Limitation—The amount of dividends paid by the Bank to the Company or paid by the Company to its shareholders is limited by various banking regulatory agencies. Any such dividends will be subject to maintenance of required capital levels. The Georgia Department of Banking and Finance must approve dividend payments that would exceed 50% of the Bank’s net income for the prior year to the Company.

When the Company received a capital investment from the United States Department of the Treasury in exchange for Preferred Stock under the Troubled Assets Relief Program (“TARP”) Capital Purchase Program on March 6, 2009, the Company became subject to additional limitations on the payment of dividends. These limitations require, among other things, that for as long as the Preferred Stock is outstanding, no dividends may be declared or paid on the Company’s common stock until all accrued and unpaid dividends on the Preferred Stock are fully paid. In addition, the U.S. Treasury’s consent is required for any increase in dividends on common stock before the third anniversary of issuance of the Preferred Stock.

 

The Company paid dividends of $172,000 and $169,000 on its common stock in 2013 and 2012, respectively. The annual dividend payout rate was $0.08 per common share in 2013 and 2012. In addition, the Company paid cash dividends totaling $237,000 in 2013 and 2012, respectively, on its preferred stock issued to the Treasury.

 

 
XML 94 R26.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUBSEQUENT EVENTS
 12 Months Ended
Dec. 31, 2013
Subsequent Events [Abstract]  
SUBSEQUENT EVENTS
18. SUBSEQUENT EVENTS

In preparing these financial statements, subsequent events were evaluated through the time the financial statements were issued. Financial statements are considered issued when they are widely distributed to all shareholders and other financial statement users, or filed with the Securities and Exchange Commission. In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the financial statements or disclosed in the notes to the financial statements.
XML 95 R49.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 5) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Transactions in other real estate owned      
Balance-beginning of year $ 8,194,955    
Additions 3,901,588 4,660,558 5,747,670
Write downs (615,839) (2,467,252) (1,258,602)
Balance-end of year $ 7,404,437 $ 8,194,955  
XML 96 R41.htm IDEA: XBRL DOCUMENT v2.4.0.8
RELATED-PARTY TRANSACTIONS (Tables)
 12 Months Ended
Dec. 31, 2013
Related Party Transactions [Abstract]  
Summary of the activity of related party loans
    Years Ended December 31,
    2013   2012
         
Balance at beginning of year   $ 11,799,716     $ 12,073,831  
  New loans     6,517,864       1,339,485  
  Repayments     (3,795,396 )     (1,613,600 )
                 
Balance—end of year   $ 14,522,184     $ 11,799,716  
XML 97 R5.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Consolidated Statements Of Comprehensive Income Loss      
Net Income (Loss) $ 1,348,773 $ 768,823 $ 268,626
Other Comprehensive Income (Loss)      
Unrealized holding gain (loss) on investment securities available for sale, net of tax of $(1,874,103) for 2013, $279,575 for 2012 and $1,530,186 for 2011 (3,637,965) 542,705 2,970,361
Reclassification adjustment for holding gains included in net income, net of tax of $82,920 for 2013, $231,651 for 2012, and $68,483 for 2011 (160,962) (449,676) (132,938)
Other Comprehensive Income (3,798,927) 93,029 2,837,423
Total Comprehensive Loss $ (2,450,154) $ 861,852 $ 3,106,049
XML 98 R10.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENTS
 12 Months Ended
Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]  
INVESTMENTS
2. INVESTMENT SECURITIES

 

Investment securities available for sale are summarized as follows:

 

        Gross   Gross    
    Amortized   Unrealized   Unrealized   Fair
    Cost   Gains   Losses   Value
                 
At December 31, 2013:                                
  State, county, and municipal securities   $ 33,734,814     $ 1,096,801     $ 29,827     $ 34,801,788  
  Mortgage-backed securities     99,142,665       347,751       3,223,142       96,267,274  
  Corporate securities     9,806,416       179,876       10,072       9,976,220  
                                 
      Totals   $ 142,683,895     $ 1,624,428     $ 3,263,041     $ 141,045,282  
                                 
At December 31, 2012:                                
  State, county, and municipal securities   $ 36,977,202     $ 2,886,607     $ —       $ 39,863,809  
  Mortgage-backed securities     79,025,394       1,356,627       134,482       80,247,539  
  Corporate securities     9,745,591       135,093       126,508       9,754,176  
                                 
      Totals   $ 125,748,187     $ 4,378,327     $ 260,990     $ 129,865,524  

 

Investment securities held to maturity are summarized as follows:

        Gross   Gross    
    Amortized   Unrealized   Unrealized   Fair
    Cost   Gains   Losses   Value
At December 31, 2013:                                
                                 
  State, county, and municipal securities   $ 240,000     $ 420     $ —       $ 240,420  
                                 
At December 31, 2012:                                
                                 
  State, county, and municipal securities   $ 1,356,119     $ 23,796     $ —       $ 1,379,915  

 

The amortized costs and fair values of investment securities at December 31, 2013, by contractual maturity, are shown below. Mortgage-backed securities are classified by their contractual maturity, however, expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with and without call or prepayment penalties.

    Held to Maturity   Available for Sale
                 
    Amortized   Fair   Amortized   Fair
    Cost   Value   Cost   Value
                 
Due in one year or less   $ —       $ —       $ —       $ —    
Due after one year through five years     240,000       240,420       12,458,522       12,731,378  
Due after five years through ten years     —         —         29,292,070       29,849,470  
Due after ten years     —         —         100,933,303       98,464,434  
                                 
    $ 240,000     $ 240,420     $ 142,683,895     $ 141,045,282  

 

Proceeds from the sale of securities were $2,268,000, $7,967,000, and $9,221,000 in 2013, 2012, and 2011, respectively. Gross realized gains on sales of securities were$243,882, $681,327, and $381,702in 2013, 2012, and 2011, respectively. There were no gross realized losses on salesof securities in 2013 and 2012.Gross realized losses on sales of securities were$180,281 in 2011.

Investment securities with carrying values of approximately $102,728,000and $82,428,000 at December 31, 2013 and 2012, respectively, were pledged to secure public funds on deposit and for other purposes as required by law, FHLB advances and a $17.7million line of credit at the Federal Reserve Bank discount window.

The following tables show investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position, at December 31, 2013 and December 31, 2012. Except as explicitly identified below, all unrealized losses on investment securities are considered by management to be temporarily impaired given the credit ratings on these investment securities and the short duration of the unrealized loss.

At December 31, 2013:                        
Securities Available for Sale                        
    Securities in a loss position  for       Securities in a loss position  for            
    less than twelve months       twelve months or more       Total    
        Unrealized       Unrealized       Unrealized
    Fair value   losses   Fair value   losses   Fair value   losses
Municipal securities   $ 2,774,777     $ (29,827 )   $ —       $ —       $ 2,774,777     $ (29,827 )
                                                 
Mortgage-backed securities     68,419,947       (2,907,234 )     5,135,792       (315,908 )     73,555,739       (3,223,142 )
                                                 
Corporate securities     1,989,928       (10,072 )     —         —         1,989,928       (10,072 )
                                                 
Total   $ 73,184,652     $ (2,947,133 )   $ 5,135,792     $ (315,908 )   $ 78,320,444     $ (3,263,041 )

 

There were no held to maturity securities in an unrealized loss position at December 31, 2013.

 

At December 31, 2012:                        
Securities Available for Sale                        
    Securities in a loss position  for       Securities in a loss position  for            
    less than twelve months       twelve months or more       Total    
        Unrealized       Unrealized       Unrealized
    Fair value   losses   Fair value   losses   Fair value   losses
Mortgage-backed securities   $ 17,834,180     $ (134,482 )   $ —       $ —       $ 17,834,180     $ (134,482 )
                                                 
Corporate securities     1,984,687       (15,313 )     3,888,804       (111,195 )     5,873,491       (126,508 )
                                                 
Total   $ 19,818,867     $ (149,795 )   $ 3,888,804     $ (111,195 )   $ 23,707,671     $ (260,990 )

 

There were no held to maturity securities in an unrealized loss position at December 31, 2012.

 

Securities classified as available for sale are recorded at fair market value and held to maturity securities are recorded at amortized cost. At December 31, 2013 and 2012, the Company had three and two investment securities, respectively, that were in an unrealized loss position for more than 12 months. The Company reviews these securities for other-than-temporary impairment on a quarterly basis by monitoring their credit support and coverage, constant payment of the contractual principal and interest, loan to value and delinquencies ratios.

We use prices from third party pricing services and, to a lesser extent, indicative (non-binding) quotes from third party brokers, to measure fair value of our investment securities. Fair values of the investment securities portfolio could decline in the future if the underlying performance of the collateral for collateralized mortgage obligations or other securities deteriorates and the levels do not provide sufficient protection for contractual principal and interest. As a result, there is risk that an other-than-temporary impairment may occur in the future particularly in light of the current economic environment.

The Company does not intend to sell these securities and it is more likely than not that the Company will not be required to sell those securities before recovery of its amortized cost. The Company believes, based on industry analyst reports and credit ratings, that it will continue to receive scheduled interest payments as well as the entire principal balance, and the deterioration in value is attributable to changes in market interest rates and is not in the credit quality of the issuer and therefore, these losses are not considered other-than-temporary. 

The Company’s investment portfolio consists principally of obligations of the United States, its agencies or its corporations and general obligation and revenue municipal securities. In the opinion of management, there is no concentration of credit risk in its investment portfolio. The Company places its deposits and correspondent accounts with and sells its federal funds to high quality institutions. Management believes credit risk associated with correspondent accounts is not significant.

 
XML 99 R58.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans, gross $ 185,276,000 $ 190,998,000
Allowance for loan losses 3,157,000 3,509,000
Loans, net 182,118,539 187,489,181
Commercial Financial and Agricultural Portfolio Segment [Member]
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans, gross 20,292,000 23,510,000
Commercial Real Estate Portfolio Segment [Member]
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans, gross 120,180,000 125,239,000
Single Family Residential Mortgage [Member]
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans, gross 34,864,000 34,523,000
Construction and Development Portfolio Segment [Member]
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans, gross 3,626,000 1,813,000
Consumer Portfolio Segment [Member]
    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans, gross $ 6,314,000 $ 5,913,000
XML 100 R82.htm IDEA: XBRL DOCUMENT v2.4.0.8
RELATED-PARTY TRANSACTIONS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Directors Officers Principal Shareholders and Associates [Member]
    
Activity of related party loans    
Balance at beginning of year $ 11,799,716 $ 12,073,831
New loans 6,517,864 1,339,485
Repayments (3,795,396) (1,613,600)
Balance - end of year 14,522,184 11,799,716
Management [Member]
    
Additional disclosure    
Deposits $ 6,294,099 $ 6,487,889
XML 101 R69.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Deposits Details    
NOW and money market accounts $ 92,793,796 $ 92,671,544
Savings accounts 31,947,780 32,770,028
Time deposits of $100,000 or more 107,489,990 121,223,645
Other time deposits 33,588,990 34,585,918
Total interest-bearing deposits 265,820,556 281,251,135
Time Deposits    
CDARS deposits 22,374,841 14,963,966
Maturities of time deposits    
2014 97,657,485  
2015 6,694,099  
2016 6,773,570  
2017 19,125,750  
2018 and thereafter 10,828,076  
Total $ 141,078,980  
XML 102 R27.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Business

Business—Citizens Bancshares Corporation and subsidiary (the “Company”) is a holding company that provides a full range of commercial banking to individual and corporate customers in its primary market areas, metropolitan Atlanta and Columbus, Georgia, and Birmingham and Eutaw, Alabama through its wholly owned subsidiary, Citizens Trust Bank (the “Bank”). The Bank operates under a state charter and serves its customers through seven full-service branches in metropolitan Atlanta, one full-service branch in Columbus, Georgia, one full-service branch in Birmingham, Alabama, and one full-service branch in Eutaw, Alabama. All significant intercompany accounts and transactions have been eliminated in consolidation.
Basis of Presentation

Basis of Presentation—Theconsolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and with general practices within the banking industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts in the consolidated financial statements. Actual results could differ significantly from those estimates. Material estimates common to the banking industry that are particularly susceptible to significant change in the near term are the allowance for loan losses, the valuation of allowances associated with the recognition of deferred tax assets and the value of foreclosed real estate and intangible assets.
Troubled Asset Relief Program

Troubled Asset Relief Program—On August 13, 2010, as part of the U.S. Department of the Treasury (the “Treasury”) Troubled Asset Relief Program (“TARP”) Community Development Capital Initiative, the Company entered into a Letter Agreement, and an Exchange Agreement–Standard Terms (“Exchange Agreement”), with the Treasury, pursuant to which the Company agreed to exchange 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (“Series A Preferred Shares”), issued on March 6, 2009, pursuant to the Company’s participation in the TARP Capital Purchase Program, for 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series B (“Series B Preferred Shares”), both of which have a liquidation preference of $1,000 (the “Exchange Transaction”). No new monetary consideration was exchanged in connection with the Exchange Transaction. The Exchange Transaction closed on August 13, 2010 (the “Closing Date”).

On September 17, 2010, the Company issued 4,379 shares of its Series C Preferred Shares to the Treasury as part of its TARP Community Development Capital Initiative for a total of 11,841 shares of Series B and C Preferred Shares issued to the Treasury. The issuance of the Series B and Series C Preferred Shares was a private placement exempt from registration pursuant to Section 4(2) of the Securities Act of 1933, as amended.

The Series B and Series C Preferred Shares qualify as Tier 1 capital and will pay cumulative dividends at a rate of 2% per annum for the first eight years after the Closing Date and 9% per annum thereafter. The Company may, subject to consultation with the Federal Reserve Bank of Atlanta, redeem the Series B and Series C Preferred Shares at any time for its aggregate liquidation amount plus any accrued and unpaid dividends.
Cash and Cash Equivalents

Cash and Cash Equivalents—Cash and cash equivalents include cash on hand and amounts due from banks, interest-bearing deposits with banks and federal funds sold. The Federal Reserve Bank (the “FRB”) requires the Company to maintain a required cash reserve balance on deposit with the FRB, based on the Company’s daily average balance with the FRB. This reserve requirement represents 3% of the Company’s daily average demand deposit balance between $12.4 million and $79.5 million and 10% of the Company’s daily average demand deposit balance above $79.5 million. The required reserve was satisfied by the Company’s vault cash.
Interest-bearing Deposits with Banks

Interest-bearing Deposits with Banks—Substantially all of the Company’s interest-bearing deposits with banks represent funds maintained on deposit at the Federal Reserve Bank of Atlanta (the ‘FRB”) and the Federal Home Loan Bank of Atlanta (FHLB). These funds fluctuate daily and are used to manage the Company’s liquidity and borrowing position. Funds can be withdrawn daily from this account and accordingly, the carrying amount of this account is at cost which is deemed to be a reasonable estimate of fair value.
Other Investments

Other Investments— Other investments consist of Federal Home Loan Bank stock and Federal Reserve Bank stock which are restricted and have no readily determinable market value. These investments are carried at cost.
Investment Securities

Investment Securities—The Company classifies investments in one of three categories based on management’s intent upon purchase: held to maturity securities which are reported at amortized cost, trading securities which are reported at fair value with unrealized holding gains and losses included in earnings, and available for sale securities which are recorded at fair value with unrealized holding gains and losses included as a component of accumulated other comprehensive income (loss). The Company had no investment securities classified as trading securities during 2013, 2012, or 2011.

Premiums and discounts on available for sale and held to maturity securities are amortized or accreted using a method which approximates a level yield. Amortization and accretion of premiums and discounts are presented within investment securities interest income on the Consolidated Statements of Income.

Gains and losses on sales of investment securities are recognized upon disposition, based on the adjusted cost of the specific security. A decline in market value of any security below cost that is deemed other than temporary is charged to earnings resulting in the establishment of a new cost basis for the security. The determination of whether an other-than-temporary impairment has occurred involves significant assumptions, estimates, changes in economic conditions and judgment by management. There was no other-than-temporary impairment for securities recorded during 2013, 2012 or 2011.
Loans Receivable and Allowance for Loan Losses

Loans Receivable and Allowance for Loan Losses—Loans are reported at principal amounts outstanding plus direct origination costs, net of loan fees and any direct charge-offs. Interest income is recognized over the term of the loan based on the principal amount outstanding. Loan fees and certain direct origination costs are deferred and amortized over the estimated terms of the loans using the level yield method. Premiums and discounts on loans purchased are amortized and accreted using the level yield method over the estimated remaining life of the loan purchased. The accretion and amortization of loan fees, origination costs, and premiums and discounts are presented as a component of loan interest income on the Consolidated Statements of Income.

Management considers a loan to be impaired when, based on current information and events, there is a potential that all amounts due according to the contractual terms of the loan may not be collected. Impaired loans are measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, or at the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent.

Loans are generally placed on nonaccrual status when the full and timely collection of principal or interest becomes uncertain or the loan becomes contractually in default for 90 days or more as to either principal or interest, unless the loan is well collateralized and in the process of collection. When a loan is placed on nonaccrual status, current period accrued and uncollected interest is charged-off against interest income on loans unless management believes the accrued interest is recoverable through the liquidation of collateral. Loans are returned to accrual status when payment has been made according to the terms and conditions of the loan for a continuous six month period.

 

The Company provides for estimated losses on loans receivable when any significant and permanent decline in value occurs. These estimates for losses are based on individual assets and their related cash flow forecasts, sales values, independent appraisals, the volatility of certain real estate markets, and concern for disposing of real estate in distressed markets. For loans that are pooled for purposes of determining necessary provisions, estimates are based on loan types, history of charge-offs, and other delinquency analyses. Therefore, the value used to determine the provision for losses is subject to the reasonableness of these estimates. The adequacy of the allowance for loan losses is reviewed on a monthly basis by management and the Board of Directors. This assessment is made in the context of historical losses as well as existing economic conditions, performance trends within specific portfolio segments, and individual concentrations of credit.

Loans are charged-off against the allowance when, in the opinion of management, such loans are deemed to be uncollectible and subsequent recoveries are added to the allowance.
Troubled Debt Restructurings

Troubled Debt Restructurings—Loans to be restructured are identified based on an assessment of the borrower’s credit status, which involves, but is not limited to, a review of financial statements, payment delinquency, non-accrual status, and risk rating. Determining the borrower’s credit status is a continual process that is performed by the Company’s staff with periodic participation from an independent external loan review group.

 

Troubled debt restructurings (“TDR”) generally occur when a borrower is experiencing, or is expected to experience, financial difficulties in the near-term and it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company seeks to assist these borrowers by working with them to prevent further difficulties, and ultimately to improve the likelihood of recovery on the loan while ensuring compliance with the Federal Financial Institutions Examination Council (FFIEC) guidelines. To facilitate this process, a formal concessionary modification that would not otherwise be considered may be granted resulting in classification of the loan as a TDR.

 

The modification may include a change in the interest rate or the payment amount or a combination of both. Substantially all modifications completed under a formal restructuring agreement are considered TDRs. Modifications can involve loans remaining on nonaccrual, moving to nonaccrual, or continuing on accruing status, depending on the individual facts and circumstances of the borrower. These restructurings rarely result in the forgiveness of principal or interest. Nonperforming commercial TDRs may be returned to accrual status based on a current, well-documented credit evaluation of the borrower’s financial condition and prospects for repayment under the modified terms. This evaluation must include consideration of the borrower’s sustained historical repayment performance for a reasonable period (generally a minimum of six months) prior to the date on which the loan is returned to accrual status.

 

With respect to commercial TDRs, an analysis of the credit evaluation, in conjunction with an evaluation of the borrower’s performance prior to the restructuring, are considered when evaluating the borrower’s ability to meet the restructured terms of the loan agreement. Nonperforming commercial TDRs may be returned to accrual status based on a current, well-documented credit evaluation of the borrower’s financial condition and prospects for repayment under the modified terms. This evaluation must include consideration of the borrower’s sustained historical repayment performance for a reasonable period (generally a minimum of six months) prior to the date on which the loan is returned to accrual status.

 

 

In connection with consumer loan TDRs, a nonperforming loan will be returned to accruing status when current as to principal and interest and upon a sustained historical repayment performance (generally a minimum of six months).
Premises and Equipment

Premises and Equipment—Premises and equipment are stated at cost less accumulated depreciation which is computed using the straight-line method over the estimated useful lives of the related assets. When assets are retired or otherwise disposed, the cost and related accumulated depreciation are removed from the accounts, and any resulting gain or loss is reflected in earnings for the period. The costs of maintenance and repairs, which do not improve or extend the useful life of the respective assets, are charged to earnings as incurred, whereas significant renewals and improvements are capitalized. The range of estimated useful lives for premises and equipment is as follows:

Buildings and improvements     5-40 years  
Furniture and equipment     3-10 years  
Other Real Estate Owned

Other Real Estate Owned—Other real estate owned is reported at the lower of cost or fair value less estimated disposal costs, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources. Any excess of the loan balance at the time of foreclosure over the fair value of the real estate held as collateral is treated as a charge-off against the allowance for loan losses. Any subsequent declines in value are charged to earnings. Transactions in other real estate owned for the years ended December 31, 2013 and 2012 are summarized below:

    Years Ended December 31,
    2013   2012
         
Balance—beginning of year   $ 8,194,955     $ 10,075,837  
Additions     3,901,588       4,660,558  
Sales     (4,076,267 )     (4,074,188 )
Write downs     (615,839 )     (2,467,252 )
                 
Balance—end of year   $ 7,404,437     $ 8,194,955  

 
Intangible Assets

Intangible Assets—Finite lived intangible assets of the Company represent deposit assumption premiums recorded upon the purchase of certain assets and liabilities from other financial institutions. Deposit assumption premiums are amortized over seven years, the estimated average lives of the deposits acquired, using the straight-line method and are included within other assets on the Consolidated Balance Sheets.

The Company reviews the carrying value of goodwill on an annual basis and on an interim basis if certain events or circumstances indicate that an impairment loss may have been incurred. An impairment charge is recognized if the carrying value of the reporting unit’s goodwill exceeds its implied fair value.

 

 

 

The following table presents information about our intangible assets:

    December 31, 2013   December 31, 2012
    Gross Carrying Amount   Accumulated Amortization   Gross Carrying Amount   Accumulated Amortization
                 
Unamortized intangible asset:                                
Goodwill   $ 362,139     $ —       $ 362,139     $ —    
                                 
                                 
Amortized intangible asset:                                
Core deposit intangibles   $ 3,303,427     $ 2,241,611     $ 3,303,427     $ 1,769,693  

 

The following table presents information about aggregate amortization expense for each of the three succeeding fiscal years as follows:

    For the Years Ended December 31,
    2013   2012   2011
             
Aggregate amortization expense of core deposit intangibles   $ 471,918     $ 471,918     $ 471,918  
                         
Estimated aggregate amortization expense of core deposit intangibles for the year ending December 31:                        
                         
2014   $ 471,918                  
2015   $ 471,918                  
2016   $ 117,980                  
2017 and thereafter   $ —                     

 
Income Taxes

Income Taxes—Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date.

In the event the future tax consequences of differences between the financial reporting bases and the tax bases of the Company’s assets and liabilities result in deferred tax assets, an evaluation of the probability of being able to realize the future benefits indicated by such assets is required. A valuation allowance is provided for the portion of a deferred tax asset when it is more likely than not that some portion or all of the deferred tax asset will not be realized. In assessing the realizability of the deferred tax assets, management considers the scheduled reversals of deferred tax liabilities, projected future taxable income, and tax planning strategies.
Net Income Available to Common Stockholders

Net Income Available to Common Stockholders—Basic net income per common share (“EPS”) is computed based on net income divided by the weighted average number of common shares outstanding. Diluted EPS is computed based on net income available to common stockholders divided by the weighted average number of common and potential common shares. The only potential common share equivalents are those related to stock options and nonvested restricted stock grants. Common share equivalents which are anti-dilutive are excluded from the calculation of diluted EPS.
Stock Based Compensation

Stock Based Compensation—The fair value of each stock option award is estimated on the date of grant using a Black-Scholes valuation model. Expected volatility is based on the historical volatility of the Company’s stock, using daily price observations over the expected term of the stock options. The expected term represents the period of time that stock options granted are expected to be outstanding and is derived from historical data which is used to evaluate patterns such as stock option exercise and employee termination. The expected dividend yield is based on recent dividend history. The risk-free interest rate is derived from the U.S. Treasury yield curve in effect at the time of grant based on the expected life of the option.

 

 

There were no options granted in 2013,2012, and 2011.

 

In 2011, 11,000 nonvested restricted shares of common stock were issued to certain officers at a grant price of $4.20. The 2011 restricted common stock vested 100% (Cliff vesting) on December 31, 2012.

In 2012, 12,500 nonvested restricted shares of common stock were issued to certain officers and the Chief Executive Officer (CEO)at a grant price of $4.05. A total of 4,000 restricted shares were issued to the CEO which vest 50% on December 31, 2012and 50% on December 31, 2014, subject to TARP guidelines. The remaining 8,500 shares of restricted stock will vest 100% (Cliff vesting) on December 31, 2014. In addition, on February 22, 2012 a special 5,000 nonvested restricted share issuance was made to the interim, and now permanent, Chief Executive Officerat a grant price of $4.20 which vested 100% on the grant date. Also on February 22, 2012, 5,000 nonvested restricted shares were issued to the former CEO at a grant price of $4.20. These restricted common stock grants vested 100% on the death of the former CEO, subject to TARP guidelines.

In 2013, 13,500 nonvested restricted shares of common stock were issued to certain officers and the Chief Executive Officer (CEO) at a grant price of $5.98. The 2013 restricted common stock will vest 100% (Cliff vesting) on January 1, 2016.
Recently Issued Accounting Standards

Recently Issued Accounting Standards—The Comprehensive Income topic of the ASC was amended in June 2011. The amendment eliminated the option to present other comprehensive income as a part of the statement of changes in stockholders’ equity and required consecutive presentation of the statement of net income and other comprehensive income. The amendments were applicable to the Company January 1, 2012 and have been applied retrospectively. In December 2011, the topic was further amended to defer the effective date of presenting reclassification adjustments from other comprehensive income to net income on the face of the financial statements while the FASB redeliberated the presentation requirements for the reclassification adjustments. In February 2013, the FASB further amended the Comprehensive Income topic clarifying the conclusions from such redeliberations. Specifically, the amendments do not change the current requirements for reporting net income or other comprehensive income in financial statements. However, the amendments do require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, in certain circumstances an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The amendments were effective for the Company on a prospective basis for reporting periods beginning after December 15, 2012. These amendments did not have a material effect on the Company’s financial statements.

In July 2012, the Intangibles topic was amended to permit an entity to consider qualitative factors to determine whether it is more likely than not that indefinite-lived intangible assets are impaired. If it is determined to be more likely than not that indefinite-lived intangible assets are impaired, then the entity is required to determine the fair value of the indefinite-lived intangible asset and perform the quantitative impairment test by comparing the fair value with the carrying amount. The amendments are effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012. Early adoption is permitted. The amendments did not have a material effect on the Company’s financial statements.

In April 2013, the FASB issued guidance addressing application of the liquidation basis of accounting. The guidance is intended to clarify when an entity should apply the liquidation basis of accounting. In addition, the guidance provides principles for the recognition and measurement of assets and liabilities and requirements for financial statements prepared using the liquidation basis of accounting. The amendments will be effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein and those requirements should be applied prospectively from the day that liquidation becomes imminent. Early adoption is permitted. The Company does not expect these amendments to have any effect on its financial statements.

 

In December 2013, the FASB amended the Master Glossary of the FASB Codification to define “Public Business Entity” to minimize the inconsistency and complexity of having multiple definitions of, or a diversity in practice as to what constitutes, a nonpublic entity and public entity within U.S. GAAP. The amendment does not affect existing requirements, however will be used by the FASB, the Private Company Council (“PCC”), and the Emerging Issues Task Force (“EITF”) in specifying the scope of future financial accounting and reporting guidance. The Company does not expect this amendment to have any effect on its financial statements.

In January 2014, the FASB amended the Receivables—Troubled Debt Restructurings by Creditors subtopic of the Codification to address the reclassification of consumer mortgage loans collateralized by residential real estate upon foreclosure. The amendments clarify the criteria for concluding that an in substance repossession or foreclosure has occurred, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan. The amendments also outline interim and annual disclosure requirements. The amendments will be effective for the Company for interim and annual reporting periods beginning after December 15, 2014. Companies are allowed to use either a modified retrospective transition method or a prospective transition method when adopting this update. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.
Reclassifications

Reclassifications—Certain prior year amounts have been reclassified to conform to the 2013 presentation. Such reclassifications had no impact on net income or retained earnings as previously reported.
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Process Flow-Through: 00000002 - Statement - CONSOLIDATED BALANCE SHEETS Process Flow-Through: Removing column 'Dec. 31, 2011' Process Flow-Through: Removing column 'Dec. 31, 2010' Process Flow-Through: 00000003 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) Process Flow-Through: Removing column 'Dec. 31, 2011' Process Flow-Through: 00000004 - Statement - CONSOLIDATED STATEMENTS OF INCOME Process Flow-Through: Removing column '3 Months Ended Dec. 31, 2013' Process Flow-Through: Removing column '3 Months Ended Sep. 30, 2013' Process Flow-Through: Removing column '3 Months Ended Jun. 30, 2013' Process Flow-Through: Removing column '3 Months Ended Mar. 31, 2013' Process Flow-Through: Removing column '3 Months Ended Dec. 31, 2012' Process Flow-Through: Removing column '3 Months Ended Sep. 30, 2012' Process Flow-Through: Removing column '3 Months Ended Jun. 30, 2012' Process Flow-Through: Removing column '3 Months Ended Mar. 31, 2012' Process Flow-Through: 00000005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) Process Flow-Through: Removing column '3 Months Ended Dec. 31, 2013' Process Flow-Through: Removing column '3 Months Ended Sep. 30, 2013' Process Flow-Through: Removing column '3 Months Ended Jun. 30, 2013' Process Flow-Through: Removing column '3 Months Ended Mar. 31, 2013' Process Flow-Through: Removing column '3 Months Ended Dec. 31, 2012' Process Flow-Through: Removing column '3 Months Ended Sep. 30, 2012' Process Flow-Through: Removing column '3 Months Ended Jun. 30, 2012' Process Flow-Through: Removing column '3 Months Ended Mar. 31, 2012' Process Flow-Through: 00000006 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Parenthetical) Process Flow-Through: 00000008 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS czbs-20131231.xml czbs-20131231.xsd czbs-20131231_cal.xml czbs-20131231_def.xml czbs-20131231_lab.xml czbs-20131231_pre.xml true true XML 104 R74.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND CONTINGENCIES (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Commitments to Extend Credit [Member]
    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Approximate Contractual Amount $ 26,313,000 $ 24,335,000
Letter of Credit [Member]
    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Approximate Contractual Amount $ 2,125,000 $ 2,218,000
XML 105 R38.htm IDEA: XBRL DOCUMENT v2.4.0.8
OTHER REAL ESTATE OWNED (Tables)
 12 Months Ended
Dec. 31, 2013
Real Estate [Abstract]  
Summary of transactions in other real estate owned
    Years Ended December 31,
    2013   2012
         
Balance—beginning of year   $ 8,194,955     $ 10,075,837  
Additions     3,901,588       4,660,558  
Sales     (4,076,267 )     (4,074,188 )
Write downs     (615,839 )     (2,467,252 )
                 
Balance—end of year   $ 7,404,437     $ 8,194,955  

 
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FAIR VALUE OF FINANCIAL INSTRUMENTS
 12 Months Ended
Dec. 31, 2013
Fair Value Disclosures [Abstract]  
FAIR VALUE OF FINANCIAL INSTRUMENTS
  12. FAIR VALUE OF FINANCIAL INSTRUMENTS

The Company measures or monitors certain of its assets and liabilities on a fair value basis. Fair value is used on a recurring basis for assets and liabilities that are elected to be accounted for under ASC guidance as well as certain assets and liabilities in which fair value is the primary basis of accounting. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value, which are in accordance with the guidance for determining the fair value of a financial asset when the market for that asset is not active.

 

In accordance with ASC guidance, the Company applied the following fair value hierarchy:

 

Level 1—Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as U.S. Treasury and other highly liquid investments that are actively traded in over-the-counter markets.

 

Level 2—Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. This category generally includes U.S. Government and agency mortgage-backed debt securities, certain derivative contracts and impaired loans.

 

Level 3—Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. For example, this category generally includes certain private equity investments, retained residual interests in securitizations, residential mortgage servicing rights, and highly structured or long-term derivative contracts.

 

Investment Securities Available for Sale—Investment securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange such as the New York Stock Exchange, Treasury securities that are traded by dealers or brokers in active over-the counter markets and money market funds. Level 2 securities include mortgage backed securities issued by government sponsored entities, municipal bonds and corporate debt securities. Securities classified as Level 3 include asset-backed securities in less liquid markets.

 

Other Real Estate Owned— Assets acquired through or instead of loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. The fair value of other real estate owned is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. In addition, the Company may further adjust an appraised amount given its knowledge of a specific property or market.

 

Loans—The Company does not record loans at fair value on a recurring basis, however, from time to time, a loan is considered impaired and an allowance for loan loss is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan are considered impaired. Once a loan is identified as individually impaired, management determines the amount of the impairment. The fair value of impaired loans is estimated using one of several methods, including the collateral value, market value of similar debt, and discounted cash flows. Those impaired loans not requiring a specific allowance represent loans for which the fair value of expected repayments or collateral exceed the recorded investment in such loans. At December 31, 2013 and December 31, 2012, substantially all of the impaired loans were evaluated based upon the fair value of the collateral. Impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. The fair value of collateral dependent impaired loans is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. In addition, the Company may further adjust an appraised amount given its knowledge of a specific property or market. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

 

The following tables present financial assets measured at fair value on a recurring and nonrecurring basis and the change in fair value for those specific financial instruments in which fair value has been elected. There were no financial liabilities measured at fair value for the periods being reported (in thousands):

 

    Fair Value Measurements at December 31, 2013
        Quoted Prices        
        In Active   Significant    
        Markets for   Other   Significant
    Assets   Identical   Observable   Unobservable
    Measured at   Assets   Inputs   Inputs
    Fair Value   (Level 1)   (Level 2)   (Level 3)
Recurring Basis:                                
Assets                                
Securities available for sale:                                
State, county, and municipal securities   $ 34,802     $ —       $ 34,802     $ —    
Mortgage-backed securities     96,267       —         96,267       —    
Corporate securities     9,976       —         9,976       —    
      141,045               141,045          
                                 
Nonrecurring Basis:                                
Assets                                
Collateral dependent impaired loans:                                
   Commercial Real Estate   $ 10,702     $ —       $ —       $ 10,702  
   Single-family Residential     360       —         —         360  
Other real estate owned     7,404       —         —         7,404  
      18,466                       18,466  

 

    Fair Value Measurements at December 31, 2012
        Quoted Prices        
        In Active   Significant    
        Markets for   Other   Significant
    Assets   Identical   Observable   Unobservable
    Measured at   Assets   Inputs   Inputs
    Fair Value   (Level 1)   (Level 2)   (Level 3)
Recurring Basis:                                
Assets                                
Securities available for sale:                                
State, county, and municipal securities   $ 39,864     $ —       $ 39,864     $ —    
Mortgage-backed securities     80,248       —         80,248       —    
Corporate securities     9,754       —         9,754       —    
      129,866               129,866          
                                 
Nonrecurring Basis:                                
Assets                                
Collateral dependent impaired loans:                                
   Commercial Real Estate   $ 16,929     $ —       $ —       $ 16,929  
   Single-family Residential     515       —         —         515  
   Construction and Development     278       —         —         278  
Other real estate owned     8,195       —         —         8,195  
      25,917                       25,917  

 

 

For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of December 31, 2013, the significant unobservable inputs used in the fair value measurements were as follows (dollars in thousands):

 

 

  Fair Value at   Valuation   Unobservable    
(dollars in thousands) December 31, 2013   Technique   Inputs   Range
Collateral dependent impaired Loans:              
Commercial Real Estate  $                      10,702   Appraised Value   Negative adjustment for selling costs and changes in market conditions since appraisal   5% - 20%
               
Single-family Residential  $                           360   Appraised Value   Negative adjustment for selling costs and changes in market conditions since appraisal   5% - 20%
               
OREO  $                        7,404   Appraised Value   Negative adjustment for selling costs and changes in market conditions since appraisal   5% - 20%

 

Following are disclosures of fair value information about financial instruments, whether or not recognized on the balance sheet, for which it is practicable to estimate that value. The assumptions used in the estimation of the fair values are based on estimates using discounted cash flows and other valuation techniques. The use of discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following disclosures should not be considered an estimate of the liquidation value of the Company, but rather a good-faith estimate of the increase or decrease in the value of financial instruments held by the Company since purchase, origination, or issuance.

 

Cash, Due from Banks, Federal Funds Sold, Interest-Bearing Deposits with Banks and Certificates of Deposits—Fair value equals the carrying value of such assets due to their nature and is classified as Level 1.

 

Investment Securities—Fair value of investment securities is based on quoted market prices and is classified as Level 2.

 

Other Investments—The carrying amount of other investments approximates its fair value and is classified as Level 1.

 

Loans—The fair value of fixed rate loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings resulting in a Level 3 classification. For variable rate loans, the carrying amount is a reasonable estimate of fair value. The methods utilized to estimate the fair values of loans do not necessarily represent an exit price. The carrying amount of related accrued interest receivable, due to its short-term nature, approximates its fair value, is not significant and is not disclosed.

 

Cash Surrender Value of Life Insurance—Cash values of life insurance policies are carried at the value for which such policies may be redeemed for cash and are classified as Level 1.

 

 

Deposits—The fair value of demand deposits, savings accounts, and certain money market deposits is the amount payable on demand at the reporting date. The fair value of fixed rate certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities and is classified as Level 2.

 

Advances from Federal Home Loan Bank—The fair values of advances from the Federal Home Loan Bank are estimated by discounting the future cash flows using the rates currently available to the Bank for debt with similar remaining maturities and terms and are classified as Level 2.

 

Commitments to Extend Credit and Commercial Letters of Credit—Because commitments to extend credit and commercial letters of credit are made using variable rates, or are recently executed, the contract value is a reasonable estimate of fair value.

 

Limitations—Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on many judgments. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments; for example, premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

 

The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of December 31, 2013 (in thousands):

    December 31, 2013
    Carrying   Fair Value Measurements
    Amount   Total   Level 1   Level 2   Level 3
Financial assets:                                        
  Cash and due from banks     6,340       6,340       6,340       —         —    
  Interest-bearing deposits with banks     22,827       22,827       22,827       —         —    
  Certificates of deposit     350       350       350       —         —    
  Investment securities     141,285       141,285       —         141,285       —    
  Other investments     874       874       874       —         —    
  Loans—net     182,119       183,150       —         —         183,150  
  Cash surrender value of life insurance     9,948       9,948       9,948       —         —    
                                         
Financial liabilities:                                        
  Deposits     336,962       337,768       195,884       141,884       —    
  Advances from Federal Home Loan Bank     273       273       —         273       —    
                                         
                                         
       Notional        Estimated                          
       Amount        Fair Value                          
                                         
Off-balance-sheet financial instruments:                                        
  Commitments to extend credit     26,313       —                            
  Commercial letters of credit     2,125       —                            

 

 

The carrying values and estimated fair values of the Company’s financial instruments at December 31, 2012 are as follows:

    December 31, 2012
    Carrying   Fair Value Measurements
    Amount   Total   Level 1   Level 2   Level 3
Financial assets:                                        
  Cash and due from banks     5,384       5,384       5,384       —         —    
  Interest-bearing deposits with banks     34,803       34,803       34,803       —         —    
  Certificates of deposit     100       100       100       —         —    
  Investment securities     131,222       131,245       —         131,245       —    
  Other investments     995       995       995       —         —    
  Loans—net     187,489       188,233       —         —         188,233  
  Cash surrender value of life insurance     9,619       9,619       9,619       —         —    
                                         
Financial liabilities:                                        
  Deposits     340,593       341,032       184,784       156,248       —    
  Advances from Federal Home Loan Bank     292       292       —         292       —    
                                         
                                         
     Notional      Estimated                          
     Amount      Fair Value                          
                                         
Off-balance-sheet financial instruments:                                        
  Commitments to extend credit     24,335       —                            
  Commercial letters of credit     2,218       —