Vitals
  • Total Assets
    533.1M 9.7 %
  • Total Deposits
    458.8M 11.7 %
  • Total Net Loans
    352.7M 14.5 %
  • Net Income
    4.6M 7.7 %
  • Book Value
    42.0M 0.8 %
  • Book Value x2
    84.0M 0.8 %
  • Book Value x3
    126.0M 0.8 %
ROAA

.91

ROAE

10.7

Efficiency Ratio

79.237

Net Interest Margin

3.56

Balance Sheet Highlights
Financial Highlights Citizens Bank And Trust All Insured Commercial Banks in Florida
Balance Sheet $(000)
Total Assets 533,143 586,559
Total Net Loans 352,744 397,788
Total Deposits 458,750 483,997
Total Equity 41,988 60,775
Profitability
Net Income 4,633 4,381
Return on Average Assets .91 .706
Return on Average Equity 10.7 6.893
Net Interest Margin 3.56 3.553
Efficiency Ratio 79.237 74.427
Noninterest Income/Revenue 22.823 15.578
Balance Sheet Ratios
Loan-to-Deposit 76.892 80.705
Securities/Assets .268 .17
Total Equity/Total Assets .079 .104
Tangible Equity/Tangible Assets .078 .1
Capital Adequacy
Tier 1 Common Capital 43,084 55,412
Tier 1 Capital 43,084 55,855
Tier 2 Capital 3,733 4,271
Total Capital 46,817 60,316
Total Risk Weighted Assets 346,471 416,967
Leverage Ratio 8.25 10.155
Common Equity Tier 1 Capital Ratio 12.44 14.982
Tier 1 Capital Ratio 12.44 15.063
Total Capital Ratio 13.51 16.194

Timeline for Citizens Bank And Trust

American Bank And Trust

Acquisition: Citizens Bank And Trust acquired a new subsidiary, American Bank And Trust, 19 years

View Profile Jun 01 2004

Citizens Banking Corporation

Citizens Banking Corporation became a new parent organization for Citizens Bank And Trust.

View Profile Nov 08 2003

Citizens Financial Group, Llc

Citizens Financial Group, Llc became a new subsidiary organization for Citizens Bank And Trust.

View Profile Nov 08 2003

Ridge Security Title, Inc.

Ridge Security Title, Inc. became a new subsidiary organization for Citizens Bank And Trust.

View Profile Nov 08 2003

Frostproof Community Development, Inc.

Frostproof Community Development, Inc. became a new subsidiary organization for Citizens Bank And Trust.

View Profile Nov 08 2003

Want to see more?

Complete timeline for Citizens Bank And Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
American Bank And Trust Seller 125,835 Acquisition Discontinued 6/1/2004
Relationships Role Relationship Start Relationship End
Citizens Banking Corporation Parent 11/8/2003
Citizens Financial Group, Llc Subsidary 11/8/2003
Ridge Security Title, Inc. Subsidary 6/30/2007
Ridge Security Title, Inc. Subsidary 11/8/2003 6/29/2007
Frostproof Community Development, Inc. Subsidary 11/8/2003 5/31/2007
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