Vitals
  • Total Assets
    44.3M 2.3 %
  • Total Deposits
    42.1M 2.9 %
  • Total Net Loans
    25.1M -8.0 %
  • Net Income
    44000.0000 104.7 %
  • Book Value
    1.9M -9.0 %
  • Book Value x2
    3.9M -9.0 %
  • Book Value x3
    5.8M -9.0 %
ROAA

.19

ROAE

4.957

Efficiency Ratio

94.642

Net Interest Margin

3.756

Balance Sheet Highlights
Financial Highlights Citizens Bank Of Spencer, Tenn. All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 44,336 262,043
Total Net Loans 25,087 170,921
Total Deposits 42,113 222,916
Total Equity 1,945 25,556
Profitability
Net Income 44 661
Return on Average Assets .19 .503
Return on Average Equity 4.957 4.794
Net Interest Margin 3.756 4.001
Efficiency Ratio 94.642 74.593
Noninterest Income/Revenue 7.915 11.458
Balance Sheet Ratios
Loan-to-Deposit 59.571 75.663
Securities/Assets .23 .183
Total Equity/Total Assets .044 .098
Tangible Equity/Tangible Assets .044 .095
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 1,803 24,143
Tier 2 Capital 317 2,235
Total Capital 2,120 26,464
Total Risk Weighted Assets 24,552 183,280
Leverage Ratio 3.9 9.679
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 7.34 14.149
Total Capital Ratio 8.63 15.361

Timeline for Citizens Bank Of Spencer, Tenn.

Citizens Tri-County Bank

Citizens Bank Of Spencer, Tenn. was acquired by Citizens Tri-County Bank 12 years

View Profile Jul 16 2011

Citizens Spencer Holdings, Inc.

Citizens Spencer Holdings, Inc. became a new subsidiary organization for Citizens Bank Of Spencer, Tenn..

View Profile Dec 07 1994

First Citizens Life Insurance Company

First Citizens Life Insurance Company became a new subsidiary organization for Citizens Bank Of Spencer, Tenn..

View Profile Oct 12 1990

Cbs Bancshares, Inc.

Cbs Bancshares, Inc. became a new parent organization for Citizens Bank Of Spencer, Tenn..

View Profile Mar 31 1984

Citizens Bank Of Spencer, Tenn.

Citizens Bank Of Spencer, Tenn. was established 110 years ago and is currently headquartered in Spencer, TN.

Jan 01 1914
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens Tri-County Bank Buyer 792,264 Acquisition Discontinued 7/16/2011
Relationships Role Relationship Start Relationship End
Cbs Bancshares, Inc. Parent 3/31/1984 10/6/1999
First Citizens Life Insurance Company Subsidary 10/12/1990 10/6/1999
Citizens Spencer Holdings, Inc. Subsidary 12/7/1994 10/6/1999
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