Citizens Bank & Trust Company Financial Statements & Health Reports

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ROAA

.443

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Citizens Bank & Trust Company	All Insured Commercial Banks in Louisiana
Balance Sheet $(000)
Total Assets	114,418	340,347
Total Net Loans	74,804	227,146
Total Deposits	102,383	291,952
Total Equity	11,091	36,108
Profitability
Net Income	518	3,221
Return on Average Assets	.443	.994
Return on Average Equity	4.429	8.993
Net Interest Margin	3.983	4.112
Efficiency Ratio	85.377	68.63
Noninterest Income/Revenue	17.461	14.204
Balance Sheet Ratios
Loan-to-Deposit	73.063	74.405
Securities/Assets	.129	.197
Total Equity/Total Assets	.097	.106
Tangible Equity/Tangible Assets	.095	.105
Capital Adequacy
Tier 1 Common Capital	11,031	35,803
Tier 1 Capital	11,031	36,059
Tier 2 Capital	1,138	2,443
Total Capital	12,169	38,519
Total Risk Weighted Assets	77,009	245,733
Leverage Ratio	9.42	10.776
Common Equity Tier 1 Capital Ratio	14.32	16.476
Tier 1 Capital Ratio	14.32	16.481
Total Capital Ratio	15.8	17.491

Citizens Bank & Trust Company was established 78 years ago and is currently headquartered in Covington, LA.

Dec 31 1945

Relationships	Role	Relationship Start	Relationship End

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