Vitals
  • Total Assets
    884.7M 5.1 %
  • Total Deposits
    701.3M 2.3 %
  • Total Net Loans
    495.1M 8.1 %
  • Net Income
    9.2M 7.2 %
  • Book Value
    90.5M 2.9 %
  • Book Value x2
    181.0M 2.9 %
  • Book Value x3
    271.5M 2.9 %
ROAA

1.077

ROAE

10.077

Efficiency Ratio

56.048

Net Interest Margin

3.878

Balance Sheet Highlights
Financial Highlights Citizen's Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 884,728 350,717
Total Net Loans 495,073 240,957
Total Deposits 701,318 296,573
Total Equity 90,513 37,152
Profitability
Net Income 9,188 3,593
Return on Average Assets 1.077 .956
Return on Average Equity 10.077 8.82
Net Interest Margin 3.878 4.036
Efficiency Ratio 56.048 69.386
Noninterest Income/Revenue 14.336 17.129
Balance Sheet Ratios
Loan-to-Deposit 70.592 77.925
Securities/Assets .352 .166
Total Equity/Total Assets .102 .106
Tangible Equity/Tangible Assets .095 .103
Capital Adequacy
Tier 1 Common Capital 85,924 35,983
Tier 1 Capital 85,924 36,157
Tier 2 Capital 6,573 2,649
Total Capital 92,497 38,803
Total Risk Weighted Assets 525,285 253,332
Leverage Ratio 9.98 10.564
Common Equity Tier 1 Capital Ratio 16.36 15.215
Tier 1 Capital Ratio 16.36 15.278
Total Capital Ratio 17.61 16.362

Timeline for Citizen's Bank

Traders Bank

Acquisition: Citizen's Bank acquired a new subsidiary, Traders Bank, 9 years

View Profile Apr 18 2015

Liberty State Bank

Acquisition: Citizen's Bank acquired a new subsidiary, Liberty State Bank, 10 years

View Profile Dec 14 2013

Liberty Insurance Company, Inc.

Liberty Insurance Company, Inc. became a new subsidiary organization for Citizen's Bank.

View Profile Dec 14 2013

Citizens Insurance Services, Inc.

Citizens Insurance Services, Inc. became a new subsidiary organization for Citizen's Bank.

View Profile Aug 25 1999

Celina Branch

Acquisition: Citizen's Bank acquired a new subsidiary, Celina Branch , 37 years

View Profile Jun 01 1987

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Complete timeline for Citizen's Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Traders Bank Seller 170,169 Pooling of Interests Discontinued 4/18/2015
Liberty State Bank Seller 159,624 Pooling of Interests Discontinued 12/14/2013
Celina Branch Seller Discontinued 6/1/1987
Relationships Role Relationship Start Relationship End
Citizens Bancorp Investment, Inc. Parent 7/1/1994
Dale Hollow Holding Company Parent 6/1/1987 6/30/1994
Citizens Bancorp Investment, Inc. Parent 10/6/1986 5/31/1987
Liberty Insurance Company, Inc. Subsidary 12/14/2013
Citizens Insurance Services, Inc. Subsidary 6/30/2007
Citizens Insurance Services, Inc. Subsidary 8/25/1999 6/29/2007
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