Vitals
  • Total Assets
    354.5M 2.1 %
  • Total Deposits
    298.2M 1.2 %
  • Total Net Loans
    184.0M 0.7 %
  • Net Income
    2.8M -8.9 %
  • Book Value
    46.2M 6.8 %
  • Book Value x2
    92.5M 6.8 %
  • Book Value x3
    138.7M 6.8 %
ROAA

1.088

ROAE

8.394

Efficiency Ratio

61.6

Net Interest Margin

3.623

Balance Sheet Highlights
Financial Highlights Citizens Bank And Trust Company All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 354,519 828,641
Total Net Loans 183,960 582,259
Total Deposits 298,191 677,995
Total Equity 46,237 95,512
Profitability
Net Income 2,847 6,054
Return on Average Assets 1.088 .793
Return on Average Equity 8.394 6.953
Net Interest Margin 3.623 3.807
Efficiency Ratio 61.6 70.908
Noninterest Income/Revenue 19.16 17.017
Balance Sheet Ratios
Loan-to-Deposit 61.692 83.618
Securities/Assets .242 .136
Total Equity/Total Assets .13 .115
Tangible Equity/Tangible Assets .13 .105
Capital Adequacy
Tier 1 Common Capital 46,325 83,744
Tier 1 Capital 46,325 83,745
Tier 2 Capital 2,232 6,104
Total Capital 48,557 90,003
Total Risk Weighted Assets 197,128 628,658
Leverage Ratio 13.19 10.699
Common Equity Tier 1 Capital Ratio 23.5 14.765
Tier 1 Capital Ratio 23.5 14.791
Total Capital Ratio 24.63 15.981

Timeline for Citizens Bank And Trust Company

Citizens Bancorp Of Virginia, Inc.

Citizens Bancorp Of Virginia, Inc. became a new parent organization for Citizens Bank And Trust Company.

View Profile Dec 18 2003

Citizens Bank And Trust Company

Citizens Bank And Trust Company was established 150 years ago and is currently headquartered in Blackstone, VA.

Jul 15 1873
Relationships Role Relationship Start Relationship End
Citizens Bancorp Of Virginia, Inc. Parent 12/18/2003
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