Vitals
  • Total Assets
    920.0M 0.1 %
  • Total Deposits
    683.6M 0.5 %
  • Total Net Loans
    629.2M 6.3 %
  • Net Income
    5.4M -6.4 %
  • Book Value
    87.8M -1.4 %
  • Book Value x2
    175.6M -1.4 %
  • Book Value x3
    263.5M -1.4 %
ROAA

.588

ROAE

5.986

Efficiency Ratio

78.335

Net Interest Margin

3.269

Balance Sheet Highlights
Financial Highlights Citizens Bank And Trust Company All Insured Commercial Banks in Missouri
Balance Sheet $(000)
Total Assets 920,030 258,416
Total Net Loans 629,172 178,998
Total Deposits 683,646 217,087
Total Equity 87,818 28,107
Profitability
Net Income 5,372 2,724
Return on Average Assets .588 1.016
Return on Average Equity 5.986 9.475
Net Interest Margin 3.269 3.745
Efficiency Ratio 78.335 67.758
Noninterest Income/Revenue 20.403 16.937
Balance Sheet Ratios
Loan-to-Deposit 92.032 78.741
Securities/Assets .204 .158
Total Equity/Total Assets .095 .109
Tangible Equity/Tangible Assets .095 .106
Capital Adequacy
Tier 1 Common Capital 80,844 27,011
Tier 1 Capital 80,844 27,012
Tier 2 Capital 6,369 2,220
Total Capital 87,213 29,258
Total Risk Weighted Assets 723,188 195,723
Leverage Ratio 8.93 10.472
Common Equity Tier 1 Capital Ratio 11.18 14.947
Tier 1 Capital Ratio 11.18 14.954
Total Capital Ratio 12.06 16.077

Timeline for Citizens Bank And Trust Company

The Columbian Bank And Trust Company

Acquisition: Citizens Bank And Trust Company acquired a new subsidiary, The Columbian Bank And Trust Company, 15 years

View Profile Aug 23 2008

First Bank, Cbc

Acquisition: Citizens Bank And Trust Company acquired a new subsidiary, First Bank, Cbc, 23 years

View Profile May 25 2001

Boonslick Bank

Acquisition: Citizens Bank And Trust Company acquired a new subsidiary, Boonslick Bank, 23 years

View Profile May 25 2001

Macon Building And Loan Association, F.A.

Acquisition: Citizens Bank And Trust Company acquired a new subsidiary, Macon Building And Loan Association, F.A., 24 years

View Profile Oct 13 1999

Trenton Trust Company

Acquisition: Citizens Bank And Trust Company acquired a new subsidiary, Trenton Trust Company, 26 years

View Profile Jan 01 1998

Want to see more?

Complete timeline for Citizens Bank And Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Columbian Bank And Trust Company Seller 735,071 Failure 8/23/2008
First Bank, Cbc Seller 110,867 Pooling of Interests Discontinued 5/25/2001
Boonslick Bank Seller 107,691 Pooling of Interests Discontinued 5/25/2001
Macon Building And Loan Association, F.A. Seller 205,755 Acquisition Discontinued 10/13/1999
Trenton Trust Company Seller 65,225 Acquisition Discontinued 1/1/1998
First Security Bank Of Brookfield Seller 58,361 Discontinued 4/26/1993
First State Bank Of King City, Missouri Seller 14,457 Failure 2/14/1987
The Ludlow National Bank Seller 10,737 Discontinued 12/4/1986
Relationships Role Relationship Start Relationship End
Citizens Bancshares Co. Parent 12/31/1979
Citizens Bancshares Co. Parent 12/31/1970 12/30/1979
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