Vitals
  • Total Assets
    394.6M 6.5 %
  • Total Deposits
    343.4M 6.6 %
  • Total Net Loans
    232.7M 8.9 %
  • Net Income
    5.7M -8.2 %
  • Book Value
    47.2M 3.6 %
  • Book Value x2
    94.5M 3.6 %
  • Book Value x3
    141.7M 3.6 %
ROAA

1.494

ROAE

12.058

Efficiency Ratio

48.553

Net Interest Margin

4.079

Balance Sheet Highlights
Financial Highlights Citizens' Bank & Trust Co. All Insured Commercial Banks in Arkansas
Balance Sheet $(000)
Total Assets 394,561 318,289
Total Net Loans 232,716 216,383
Total Deposits 343,389 263,403
Total Equity 47,226 35,927
Profitability
Net Income 5,682 3,504
Return on Average Assets 1.494 .978
Return on Average Equity 12.058 8.333
Net Interest Margin 4.079 3.942
Efficiency Ratio 48.553 67.5
Noninterest Income/Revenue 13.958 22.229
Balance Sheet Ratios
Loan-to-Deposit 67.77 73.916
Securities/Assets .319 .179
Total Equity/Total Assets .12 .113
Tangible Equity/Tangible Assets .118 .105
Capital Adequacy
Tier 1 Common Capital 46,981 33,826
Tier 1 Capital 46,981 33,832
Tier 2 Capital 3,175 2,662
Total Capital 50,156 36,492
Total Risk Weighted Assets 252,874 231,187
Leverage Ratio 12.18 10.961
Common Equity Tier 1 Capital Ratio 18.58 16.798
Tier 1 Capital Ratio 18.58 16.813
Total Capital Ratio 19.83 17.973

Timeline for Citizens' Bank & Trust Co.

V B Senior Housing Limited Partnership

V B Senior Housing Limited Partnership became a new subsidiary organization for Citizens' Bank & Trust Co..

View Profile Dec 10 2008

First Bank Corp

First Bank Corp became a new parent organization for Citizens' Bank & Trust Co..

View Profile Mar 18 2005

First America Savings Bank, Fsb

Acquisition: Citizens' Bank & Trust Co. acquired a new subsidiary, First America Savings Bank, Fsb, 33 years

View Profile Dec 08 1990

P.M.F., Incorporated

P.M.F., Incorporated became a new subsidiary organization for Citizens' Bank & Trust Co..

View Profile May 18 1989

Vista Bancorporation

Vista Bancorporation became a new parent organization for Citizens' Bank & Trust Co..

View Profile Nov 04 1988

Want to see more?

Complete timeline for Citizens' Bank & Trust Co. is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First America Savings Bank, Fsb Seller 378,663 Failure 12/8/1990
Relationships Role Relationship Start Relationship End
First Bank Corp Parent 3/18/2005
Vista Bancorporation Parent 6/30/1995 3/17/2005
Vista Bancorporation Parent 6/30/1989 6/29/1995
Vista Bancorporation Parent 11/4/1988 6/29/1989
Citizens Financial Service Corporation Parent 10/3/1983 11/3/1988
P.M.F., Incorporated Subsidary 6/30/2007
V B Senior Housing Limited Partnership Subsidary 12/10/2008
P.M.F., Incorporated Subsidary 5/18/1989 6/29/2007
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