Vitals
  • Total Assets
    203.5M -3.5 %
  • Total Deposits
    170.7M -3.5 %
  • Total Net Loans
    100.8M 3.0 %
  • Net Income
    1.9M -2.3 %
  • Book Value
    31.0M -3.4 %
  • Book Value x2
    61.9M -3.4 %
  • Book Value x3
    92.9M -3.4 %
ROAA

.895

ROAE

5.817

Efficiency Ratio

61.956

Net Interest Margin

3.502

Balance Sheet Highlights
Financial Highlights Citizens Bank & Trust Company All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 203,527 275,102
Total Net Loans 100,836 177,820
Total Deposits 170,696 227,063
Total Equity 30,960 30,287
Profitability
Net Income 1,900 2,592
Return on Average Assets .895 .944
Return on Average Equity 5.817 8.074
Net Interest Margin 3.502 3.847
Efficiency Ratio 61.956 70.925
Noninterest Income/Revenue 14.595 17.219
Balance Sheet Ratios
Loan-to-Deposit 59.073 76.952
Securities/Assets .462 .219
Total Equity/Total Assets .152 .11
Tangible Equity/Tangible Assets .15 .107
Capital Adequacy
Tier 1 Common Capital 29,493 29,354
Tier 1 Capital 29,493 29,354
Tier 2 Capital 1,410 2,092
Total Capital 30,903 31,454
Total Risk Weighted Assets 112,424 190,479
Leverage Ratio 13.83 11.285
Common Equity Tier 1 Capital Ratio 26.23 17.115
Tier 1 Capital Ratio 26.23 17.115
Total Capital Ratio 27.49 18.174

Timeline for Citizens Bank & Trust Company

First Bancorp, Inc.

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

View Profile Dec 31 1986

Pnc Bank, Kentucky, Inc.

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

View Profile Aug 19 1974

Citizens Bank & Trust Company

Citizens Bank & Trust Company was established 85 years ago and is currently headquartered in Campbellsville, KY.

Jan 01 1939
Relationships Role Relationship Start Relationship End
First Bancorp, Inc. Parent 12/31/1986
Pnc Bank, Kentucky, Inc. Parent 8/19/1974 5/25/1977
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