Citizens Bank And Trust Of West Georgia
Carrollton, GA — Domestic Branch of a Domestic Bank
Acquired Oct 2008
Vitals
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Total Assets469.5M -11.1 %
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Total Deposits393.8M -5.8 %
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Total Net Loans337.0M -15.2 %
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Net Income
-
Book Value40.7M 5.1 %
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Book Value x281.5M 5.1 %
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Book Value x3122.2M 5.1 %
Balance Sheet Highlights
| Financial Highlights | Citizens Bank And Trust Of West Georgia | All Insured Commercial Banks in Georgia |
| Balance Sheet $(000) | ||
| Total Assets | 469,525 | 232,289 |
| Total Net Loans | 336,967 | 175,176 |
| Total Deposits | 393,836 | 192,085 |
| Total Equity | 40,747 | 22,107 |
| Profitability | ||
| Net Income | — | 9,172 |
| Return on Average Assets | — | .995 |
| Return on Average Equity | — | 9.344 |
| Net Interest Margin | 3.092 | 3.539 |
| Efficiency Ratio | 137.863 | 84.879 |
| Noninterest Income/Revenue | 54.021 | |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 85.56 | 88.541 |
| Securities/Assets | .174 | .188 |
| Total Equity/Total Assets | .087 | .095 |
| Tangible Equity/Tangible Assets | .086 | -.778 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 39,733 | 20,998 |
| Tier 2 Capital | 4,648 | 2,431 |
| Total Capital | 44,381 | 23,373 |
| Total Risk Weighted Assets | 365,614 | 186,909 |
| Leverage Ratio | 8.24 | 10.076 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 10.87 | 12.978 |
| Total Capital Ratio | 12.14 | 14.174 |
Timeline for Citizens Bank And Trust Of West Georgia
Bank Of North Georgia
Citizens Bank And Trust Of West Georgia was acquired by Bank Of North Georgia 15 years
View Profile Oct 25 2008
Synovus Insurance Services Of West Georgia, Inc.
Synovus Insurance Services Of West Georgia, Inc. became a new subsidiary organization for Citizens Bank And Trust Of West Georgia.
View Profile Apr 01 2002
Carroll National Bank
Acquisition: Citizens Bank And Trust Of West Georgia acquired a new subsidiary, Carroll National Bank, 32 years
View Profile Jun 26 1991
Southpark Branch
Acquisition: Citizens Bank And Trust Of West Georgia acquired a new subsidiary, Southpark Branch , 36 years
View Profile Oct 19 1987
Insurance West Agency,Inc.
Acquisition: Citizens Bank And Trust Of West Georgia acquired a new subsidiary, Insurance West Agency,Inc. , 37 years
View Profile Sep 30 1986
Want to see more?
Complete timeline for Citizens Bank And Trust Of West Georgia is available.
View Complete Timeline| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Bank Of North Georgia | Buyer | 4,673,717 | Pooling of Interests | Discontinued | 10/25/2008 |
| Carroll National Bank | Seller | 30,050 | Discontinued | 6/26/1991 | |
| Southpark Branch | Seller | Discontinued | 10/19/1987 | ||
| Insurance West Agency,Inc. | Seller | Discontinued | 9/30/1986 | ||
| West Georgia Bank Of Tallapoosa, Georgia | Seller | 16,901 | Discontinued | 9/30/1986 | |
| The Citizens & Merchants Bank | Seller | 13,633 | Discontinued | 12/6/1985 |
| Relationships | Role | Relationship Start | Relationship End |
| Synovus Financial Corp. | Parent | 3/14/1985 | 10/24/2008 |
| Carroll County Financial Corp. | Parent | 1/1/1980 | 3/13/1985 |
| Synovus Insurance Services Of West Georgia, Inc. | Subsidary | 6/30/2007 | 10/24/2008 |
| Synovus Insurance Services Of West Georgia, Inc. | Subsidary | 4/1/2002 | 6/29/2007 |
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