Citizens' Bank, Inc.
Robertsdale, AL — Non-member Bank
Active
Vitals
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Total Assets106.5M 5.2 %
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Total Deposits94.3M 5.3 %
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Total Net Loans70.4M 14.5 %
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Net Income727000.0000 232.0 %
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Book Value11.7M 4.3 %
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Book Value x223.3M 4.3 %
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Book Value x335.0M 4.3 %
Balance Sheet Highlights
| Financial Highlights | Citizens' Bank, Inc. | All Insured Commercial Banks in Alabama |
| Balance Sheet $(000) | ||
| Total Assets | 106,482 | 266,812 |
| Total Net Loans | 70,407 | 157,006 |
| Total Deposits | 94,316 | 227,200 |
| Total Equity | 11,661 | 30,855 |
| Profitability | ||
| Net Income | 727 | 2,603 |
| Return on Average Assets | .693 | .91 |
| Return on Average Equity | 6.304 | 7.525 |
| Net Interest Margin | 4.021 | 3.872 |
| Efficiency Ratio | 84.615 | 69.238 |
| Noninterest Income/Revenue | 13.672 | 15.218 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 74.65 | 65.031 |
| Securities/Assets | .2 | .23 |
| Total Equity/Total Assets | .11 | .116 |
| Tangible Equity/Tangible Assets | .11 | .114 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 11,810 | 30,655 |
| Tier 1 Capital | 11,810 | 30,655 |
| Tier 2 Capital | 862 | 1,864 |
| Total Capital | 12,672 | 32,526 |
| Total Risk Weighted Assets | 68,579 | 184,216 |
| Leverage Ratio | 10.99 | 11.829 |
| Common Equity Tier 1 Capital Ratio | 17.22 | 18.757 |
| Tier 1 Capital Ratio | 17.22 | 18.762 |
| Total Capital Ratio | 18.48 | 19.824 |
Timeline for Citizens' Bank, Inc.
Citizens' Capital Corporation
Citizens' Capital Corporation became a new parent organization for Citizens' Bank, Inc..
View Profile Sep 01 1987
Citizens' Bank, Inc.
Citizens' Bank, Inc. was established 43 years ago and is currently headquartered in Robertsdale, AL.
Sep 08 1981| Relationships | Role | Relationship Start | Relationship End |
| Citizens' Capital Corporation | Parent | 2/14/2003 | |
| Citizens' Capital Corporation | Parent | 1/30/2002 | 2/13/2003 |
| Citizens' Capital Corporation | Parent | 12/31/1999 | 1/29/2002 |
| Citizens' Capital Corporation | Parent | 12/31/1998 | 12/30/1999 |
| Citizens' Capital Corporation | Parent | 12/16/1996 | 12/30/1998 |
| Citizens' Capital Corporation | Parent | 12/11/1989 | 12/15/1996 |
| Citizens' Capital Corporation | Parent | 10/22/1987 | 12/10/1989 |
| Citizens' Capital Corporation | Parent | 9/1/1987 | 10/21/1987 |
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