FRY-6
OMB Number 7100-0297
Approval expires December 31 2015
Page 1of2
Board of Governors of the Federal Reserve System
By
Annual Report of Holding Com
Report at the close of business as of the end of fiscal year
This Report is required by law: Section 5(c)(1)(A) of the Bank
Holding Company Act (12 U.S.C. § 1844 (c}(1}(A)); Section 8(a)
of the International Banking Act (12 U.S.C. § 3106(a)); Sections
11(a)(1), 25 and 25A of the Federal Reserve Act (12 U.S.C.
§§ 248(a)(1), 602, and 611a): Section 211 .13(c) of Regulation K
(12 C.F.R. § 211 .13(c)); and Section 225.5(b) of Regulation Y (12
C.F.R. § 225.5(b)) and section 10(c)(2)(H) of the Home Owners'
Loan Act. Return to the appropriate Federal Reserve Bank the
original and the number of copies specified.
This report form is to be filed by all top-tier bank holding compa­
nies and top-tier savings and loan holding companies organized
under U.S. law, and by any foreign banking organization that
does not meet the requirements of and Is not treated as a qualify­
ing foreign banking organization under Section 211.23 of
Regulation K (12 C.F.R. § 211 .23). (See page one of the general
instructions for more detail of who must file.) The Federal
Reserve may not conduct or sponsor, and an organization (or a
person) is not required to respond to, an information collection
unless it displays a currently valid OMB control number.
NOTE: The Annual Report of Holding Companies must be signed
by one director of the top-tier holding company. This individual
should also be a senior official of the top-tier holding company. In
the event that the top-tier holding company does not have an
individual who is a senior official and is also a director, the chair­
man of the board must sign the report.
Date of Report (top-tier holding company's fisca l year-end):
1. Michael
December 31 , 2013
Month I Day I Year
Reporter's Name, Street, and Mailing Address
Citizens B & T Holdings, Inc_._
W. Alred
Legal Tiiie of Holding Company
Name of the Holding Company Director and Official
CEO/President
PO Box 250
Title of the Holding Company Director and Official
(Mailing Address of the Holding Company) Street I PO Box
attest that the Annual Report of Holding Companies (including
the supporting attachments) for this report date has been pre­
pared in conformance with the instructions issued by the Federal
Reserve System and are true and correct to the best of my
knowledge and belief.
Guntersville
AL
35976
City
State
Zip Code
With respect to infonnation regarding individuals contained in this
report, the Reporter certifies that it has the authority to provide this
infonnation to the Federal Reserve. The Reporter also certifies
that it has the authority, on behalf of each individual. to consent or
object to public release of information regarding that individual.
The Federal Reserve may assume, in the absence of a request for
confidential treatment submitted in accordance with the Board's
"Rules Regarding Availability of Information." 12 C.F.R. Part 261 ,
that the Reporter and individual consent to public release of all
Person to whom questions about this report should be directed:
deflj /n
fh 8,t,repo;t1coy
Signature of Holding Company Director and Ollic1al
Physical location (1f different from malling address)
Freida Head
Vice President
Name
Tiiie
256-264-0362
Area Code I Phone Number I Extension
256-264-0368
A rea Code I FAX Number
fhead@citizensba nktrust. com
E-mail Address
mit : J 1 : : /dual.
£~
404 Gunter Avenue Guntersville AL 35976
­
Address (URL) for the Ho lding Company's web page
03/21/2014
Date or Signature
For holding companies not registered with the SEC-­
Indicate status of Annual Report to Shareholders:
0
0
181
Does the reporter request confidential treatment for any portion of this
submission?
D Yes
Is included with the FR Y-6 report
Please identify the report items to which this request applies. will be sent under separate cover
is not prepared
D
For Federal Reserve Bank Use Only
RSSDID ~aqn1
C.I
D
----
In accordance with the Instructions on pages GEN-2
and 3, a letter justifying the request is being provided
The infonnation for which confidential treatment ls sought
1s being submitted separately labeled "Confidential."
l:8J No
Pubftc reporting burden ror this 1nrorma1oon collecilon Is estimated lo vary from 1.3 lo 101 hours per response. wtlh an average or 5 25 hours per response, 1nclud1ng tome to gather and
maintain data In the required form and to review lnstrucilons and complete the Information collecilon Send comments regarding this burden estimate or any other aspect or this collecilon or
Information, Including suggesltons ror reducing this burden to Secretary, Board of Govemors or the Federal Reserve System, 20th and C Streets, N W , WBshtngton, DC 20551 , and to the
Office or Management and Budgal. Paperwort. Reducilon Project (7 t()().()297). Washington, DC 20503
1212012
FOR'.! FRY·6
Citizens R&T Holdings, Inc. Guntersville, Alabama Report Item:
I. The hank holding companv prepares an annual report for its
shareholders. The report -,;ill be sent sepacol:e!y.
2. Organization Chari
.\]1Fi1t~ties0re
[ncorporated in
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December 31 , 2013
BrMCh
0... Effective Service
Action Date
Tvn.
CITIZENS BANK TRUST
FRY.a 28
Hud
Branch
ID RSSD" PopularN..,.
ok
Ful SeMCe
(Head Office)
ok
Full Service
CITIZENS BANK &
317492t TRUST
NORTH BROAD
3194393 STREET BRANCH
ok
Full SeM<:e
3290802 ARAB OFFICE
ok
FuU SeMoe
ok
FuUSeMCe
ok
Full SeMCe
ok
FuNSeMce
4491441: ELKMONT OFFICE
HAZEL GREEN
360002l BRANCH
MAIN DRIVE
3290811 BRANCH
ROGERSVIUE
3718481 OFFICE
FDIC
StrMIAdd,...
Cltv
State ZID Code County
4°" GUNTER
AVENUE
GUNTERSVIUE
324 NORTI-i BROAD
STREET
ALBERTVlu.E
1205 BRINDLEE
MOUNTAIN
PARKWAY
ARAB
25530 Al HIGHWAY
127
ELKMONT
13870 HIGHWAY 231
NORTH
HAZEL GREEN
Al
35976
MARSHALL
Al
35950
MARSHAU.
Al
35016
MARSHAU.
Al
35620
LIMESTONE
Al
35750
MADISON
5053 MAIN DRIVE
NEW HOPE
Al
35760
MADISON
1565 LEE STREET
ROGERSVILLE
Al
35652
LAUDERDALE
Countrv
UNITED
STATES
UNITED
STATES
UNITED
STATES
UNITED
STATES
UNITED
STATES
UNITED
STATES
UNITED
STATES
Office
Office
UNINUM" Num.,.,- HudOtllce
364141
432794
429373
Nol Required
462773
429372
492479
CITIZENS BANK
0 & TRUST
CITIZENS BANK
S & TRUST
CITIZENS BANK
2 & TRUST
CITIZENS BANK
Nol Required & TRUST
CITIZENS BANK
E & TRUST
CITIZENS BANK
1 & TRUST
CITIZENS BANK
B & TRUST
ID RSSD" Comments
317492C
317492C
317492C
317492C
317492t
317492C
317492C
FORM FR Y-6 Citizens B&T Holdings. Inc. Fiscal Year Ending December 31. 2013 Report Item 3: Shareholders
l(a)(b)(c) and (2)(a)(b)(c)
Current Shan:hPldt•r:- \\ ith ll\\'lltrship. ..:ontn1l or htilding of 5°;, or more
\\'ith pOWL'f to \'OIC as Of fi'>Cal yt•ar l'Tlding J 2 ·3 J J 3
Shard1lildcr:- not listed in 3( I )(al thn1ugh 3( I ){c)that had owner:-hip, nmtnil nr
holdings of 5°-o (If rnon: with powt·r to vpte during tlK fisi.:al year ending l 2 31 13
(I )(a)
(I )(b)
(l)(c)
(2)(a)
(2)(b)
'\fame & Addrt>s->
City. stall· & Countr;.
Country (If Citi/_t:nship
llf lncorp(lrntion
!\'umber & Percentage of
Each Class (lfV01ing Securities
'ame & Address
(City. State. Country!
(\1untry of Citizenship J\urnbcr & Percentage of
\1r lnco!TX1ratit1n
Each Cla~s of V01ing
St·cuntics
'\111w
(2)(c)
FORM FR Y-6 Citizens B&T Holdings, Inc. Fiscal Year Ending December 31, 20 I 3 Report Item 4: Insiders
( 1), (2), (3)(a)(b)(c), and (4)(a)(b)(c)
page I
(4 )(c)
(2)
(I)
Nam~&
Address
1Cit). State
Country)
(3Xbl
Principal
Occupation 1f other
than wnh Bank
Holding Company
(3)(a)
Tide & Position
with Bank Holding
Company
Tnle & Position
wnh Subsid1anl'S
Cmcludc namci.
of sub>1drnne:.)
(3)(cJ
Title & Position
with other
busmesses
(include naml>s
of other
busmei.'l")
Pen:entage of
Voting S ha ~ in
Subsidiaries
(include nam~ I
of subs1dian~l
List names of
Other companies
(includes
panncrsh1ps)
if25°'o or more of
voting secunties
are held (List names
of compani~ and
percentage of
voting sccunties
held)
na
rva
(4 ){b)
(4)(a)
Percentage of
Vo11ng Shares 111
Bank Holdmg
Compan}
Michael \V. Alred
na
Guntersville, AL 35976
CEO Pres
Director
n·a
319~.
Marshall Hea.llh Syi.tem
Board memberChairman
Oayspring Christian Couru.eling
Board member
Grace Fellowship Pn:sbytenan Church
Elder'Trustce
Stanley P PattCN>n n a
Albenvillc, AL 35950
Sr. EVP Senior
Lender
na
PALLS II
member
.98~•
nn
n'n
Charl~ A. Williams na
Guntersville, AL 35976
EVP
n·a
na
. 13%
n•n
na
Tern Waddell
Arab, AL 35016
crocco svP
n'a
na
n·a
n·a
n'n
na
FORM FR Y-6 Citizens B&T Holdings, Inc. Fiscal Year Ending December 31 , 20 13 Report Item 4: Insiders
(1), (2), (3)(a)(b)(c), and (4)(a)(b)(c)
page 3
(4 )(c)
(I J
Names &
Addn.-.,;s
(City. State
Country)
(2)
Principal
Occupation if other
than with Bank
Holding Company
(3)( b)
C3XaJ
Title & Position
with Bank Holding
Company
Title & Position
with Subsidiaries
(include name:,
of subsid1anes)
(3)(c)
Title & Position
with other
businesses
(include names
of other
businesses)
Percentage of
Voting Shares in
Bank Holding
Company
n:a
Bob Hembree Motor
Company. lnc. Pres
TDF Finance, Inc. Pres
The Driving Factor
Auto Sales. Pres
Robert J . Weathers Weathers Hardware
& Appliance
Boaz. AL
n:a
Weathers Hardware &
3.940,o
Appliance. Inc. Pres
Rentals of Marshall
County. Inc Pres
Bob Weathers Properties, owner
Sand Mountam Investment Club. Partner
Joseph J. Chorba, Jr Chorba Contrnctmg, Inc Director
Gunters' ille. AL
Ilia
na
n.a
(4 )(b)
(4 )(a )
Robert L. Hembree Bob Hembree MtrCo.D1rector
Guntersville AL
Director
Percentage of
Voting Sham. in
Subsidiaries
(include names )
of subsidiaries)
List names of
Other companies
(includes
partnerships)
if 25% or more of
voting securitie:,
an: held (List names
of companies and
percentage of
voting securitie.
held)
Chorba Contractmg, Inc. ,
CE0 1 Pres
Ideal Equipment Co.. Inc ., Pres
Fly By \light, Partner
R & J Properties, Panner
Serv-Cold, LLC. Member
Barnett & Choma. Panner
Smith & Chorba. Partner
JEM Rentals. Panner
1.11%
2.0 1%
n'a
na
na
n·a
FORM FR Y-6
Citizens B&T Holdings, Inc.
Fiscal Year Ending December 31, 2013
Report Item 4: Insiders
(I), (2), (3)(a)(b)(c), and (4)(a)(b)(c)
page 2
(4)(c)
(3)(b)
('.!)
(ll
Naml-,..&
Add=•
(City. State
Countl))
Principal
Occupauon 1ftlther
thnn with Bani.
Holding Company
K. Scolly Ha" I.
nia
!3Xal
Title & Position
with Bank Holding
Company
Title & Position
wah Subs1diancs
(111clude names
ofsubsidiaries)
Chai= Director
11!3
Arab, AL
Randall Ferguson ferguson Pmpenics.
Union Grove, AL LLC
John Cooper
Langston. AL
(3)(c)
Title & Pos1t1on
with other
businCSSl'!.
(include nam~
of other
busincss'-'S)
(.t )(b)
(4 )(a)
Percl'lllage of
Voting Sha= in
Bank Holding
Company
Fr&H Holding,. LLC 2.69°0
partner
Famous Joe's PtzZena Inc..
CEO Director
Dil'l'CLOr
na
Ferguson Pmpenies. LLC
Managing Ml"lllber
Fr&H Holdings. LLC
Managing \'1 ember
Director
na
South Sauty Creek Rcson. Inc.
Chainnan
Sauty Group TPS. Inc.
Prt-sident
Sauty Group LLC
Manager
Cabaniss Co\~ LLC
Manager
Pl'l'Ccnt.age of
Votmg Shares in
Subs1dianei.
(include nam~ l
of sub~1d1aricsl
na
3.81%
.36~0
List names of
Other compames
(mcludcs
partnerships)
if 25'leo or more of
\'Otlng securities
arc held (List names
ofeompamt!> and
percentage of
\'Ottng ,ecuritic..
held)
n·a
n,a
1\13
na
n·a
FORM FR Y-6
Citizens B&T Holdings, Inc.
Fiscal Year Ending December 31. 2013
Report Item 4: Insiders
(1), (2), (3)(a)(b)(c). and (4)(a)(b)(c)
(2)
(I ) Principal
Names & Occupation if other
Addn.'SS than with Bank
!City, State Holding Company
Count!)') Shane R. \\ ill.s
Albt-nville AL
Wilk!> Tire&
Balll"T)' Service
page4
(3Xbl
C3XaJ
Title & Po>llion
with Bank Holding
Company
Title & Po~11ion
" ith Subsidiaries
(include names
of subs1diancs)
Director
na
!3Xcl
Title & Po,11ion
with other
businesses
(include names
of other
bu~il1l'l>'CS)
(4 )(a)
Percentage of
Voting Shares in
Bank Holding
Company
Wilks Tm: & Batll"I')
1 59%
Service. Inc . Pm.
Wilks Family Limited
Partnership. Partner
Wilks Treadtng, lnc. V P & Sec
Tires Alabama, Inc dba
B&C Tire Co.• Pre.
S & C Wilks. LLC. Managing Panncr
CSW Enterpnses. Partner
Edico Properties, Partner
CSW. LLC Manager
LTLW. LLC PartnL-r
WWW Farms. Partner
NWW, Partner
(4)(b)
Percentage of
Voting Shares 111
Subsidianes
(include naml'!.)
of ,ub;idiariL-,, l
n.a
<4XcJ
List names of
Other cornpanif!!>
(includes
partnerships)
if 25% or more of
voting securities
are held (List name>.
ofcompanies and
percentage of
voting securities
held)
na