Vitals
  • Total Assets
    138.3M 3.2 %
  • Total Deposits
    99.0M -6.4 %
  • Total Net Loans
    89.8M 2.7 %
  • Net Income
    532000.0000 -15.8 %
  • Book Value
    12.6M 0.0 %
  • Book Value x2
    25.3M 0.0 %
  • Book Value x3
    37.9M 0.0 %
ROAA

.385

ROAE

4.127

Efficiency Ratio

81.038

Net Interest Margin

4.208

Balance Sheet Highlights
Financial Highlights Citizens Bank & Trust Co. All Insured Commercial Banks in Mississippi
Balance Sheet $(000)
Total Assets 138,300 525,484
Total Net Loans 89,767 348,104
Total Deposits 99,031 440,088
Total Equity 12,646 60,485
Profitability
Net Income 532 5,177
Return on Average Assets .385 .911
Return on Average Equity 4.127 8.357
Net Interest Margin 4.208 3.971
Efficiency Ratio 81.038 70.327
Noninterest Income/Revenue 7.678 22.171
Balance Sheet Ratios
Loan-to-Deposit 90.645 71.665
Securities/Assets .132 .197
Total Equity/Total Assets .091 .115
Tangible Equity/Tangible Assets .091 .102
Capital Adequacy
Tier 1 Common Capital 10,756 52,498
Tier 1 Capital 10,756 52,598
Tier 2 Capital 1,055 3,510
Total Capital 11,811 56,103
Total Risk Weighted Assets 114,281 380,206
Leverage Ratio 7.74 10.71
Common Equity Tier 1 Capital Ratio 9.41 16.284
Tier 1 Capital Ratio 9.41 16.342
Total Capital Ratio 10.34 17.377

Timeline for Citizens Bank & Trust Co.

Cb&T Bancshares, Inc.

Cb&T Bancshares, Inc. became a new parent organization for Citizens Bank & Trust Co..

View Profile Oct 01 1997

Northwest Bank

Acquisition: Citizens Bank & Trust Co. acquired a new subsidiary, Northwest Bank, 32 years

View Profile Mar 18 1992

Citizens Bank & Trust Co.

Citizens Bank & Trust Co. was established 106 years ago and is currently headquartered in Marks, MS.

Aug 17 1917
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Northwest Bank Seller 34,966 Discontinued 3/18/1992
Relationships Role Relationship Start Relationship End
Cb&T Bancshares, Inc. Parent 10/1/1997
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