Vitals
  • Total Assets
    281.3M 11.7 %
  • Total Deposits
    242.5M 13.1 %
  • Total Net Loans
    179.6M 4.4 %
  • Net Income
    1.9M 6.0 %
  • Book Value
    29.1M 3.9 %
  • Book Value x2
    58.3M 3.9 %
  • Book Value x3
    87.4M 3.9 %
ROAA

.724

ROAE

6.667

Efficiency Ratio

72.354

Net Interest Margin

3.921

Balance Sheet Highlights
Financial Highlights Citizens Bank & Trust Company All Insured Commercial Banks in Louisiana
Balance Sheet $(000)
Total Assets 281,264 340,347
Total Net Loans 179,636 227,146
Total Deposits 242,495 291,952
Total Equity 29,144 36,108
Profitability
Net Income 1,902 3,221
Return on Average Assets .724 .994
Return on Average Equity 6.667 8.993
Net Interest Margin 3.921 4.112
Efficiency Ratio 72.354 68.63
Noninterest Income/Revenue 14.933 14.204
Balance Sheet Ratios
Loan-to-Deposit 74.078 74.405
Securities/Assets .11 .197
Total Equity/Total Assets .104 .106
Tangible Equity/Tangible Assets .104 .105
Capital Adequacy
Tier 1 Common Capital 31,666 35,803
Tier 1 Capital 31,666 36,059
Tier 2 Capital 2,614 2,443
Total Capital 34,280 38,519
Total Risk Weighted Assets 207,916 245,733
Leverage Ratio 11.6 10.776
Common Equity Tier 1 Capital Ratio 15.23 16.476
Tier 1 Capital Ratio 15.23 16.481
Total Capital Ratio 16.49 17.491

Timeline for Citizens Bank & Trust Company

Oak Tree Federal Savings Bank

Acquisition: Citizens Bank & Trust Company acquired a new subsidiary, Oak Tree Federal Savings Bank, 29 years

View Profile Aug 27 1994

Louisiana Savings Association, F.A.

Acquisition: Citizens Bank & Trust Company acquired a new subsidiary, Louisiana Savings Association, F.A., 32 years

View Profile Sep 14 1991

Citizens Bancorporation, Inc.

Citizens Bancorporation, Inc. became a new parent organization for Citizens Bank & Trust Company.

View Profile Oct 31 1983

Citizens Bank & Trust Company

Citizens Bank & Trust Company was established 107 years ago and is currently headquartered in Plaquemine, LA.

Jul 05 1916
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Oak Tree Federal Savings Bank Seller 1,479,256 Failure 8/27/1994
Louisiana Savings Association, F.A. Seller 230,668 Failure 9/14/1991
Relationships Role Relationship Start Relationship End
Citizens Bancorporation, Inc. Parent 10/31/1983
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