Vitals
  • Total Assets
    180.2M 10.1 %
  • Total Deposits
    129.8M 9.7 %
  • Total Net Loans
    139.2M 10.2 %
  • Net Income
    2.4M 0.4 %
  • Book Value
    18.5M 9.5 %
  • Book Value x2
    37.1M 9.5 %
  • Book Value x3
    55.6M 9.5 %
ROAA

1.419

ROAE

13.534

Efficiency Ratio

47.436

Net Interest Margin

4.477

Balance Sheet Highlights
Financial Highlights Citizens Bank & Trust Company All Insured Commercial Banks in Nebraska
Balance Sheet $(000)
Total Assets 180,229 170,284
Total Net Loans 139,224 117,277
Total Deposits 129,816 137,686
Total Equity 18,543 18,945
Profitability
Net Income 2,408 1,911
Return on Average Assets 1.419 1.018
Return on Average Equity 13.534 9.028
Net Interest Margin 4.477 3.761
Efficiency Ratio 47.436 64.484
Noninterest Income/Revenue 4.949 12.891
Balance Sheet Ratios
Loan-to-Deposit 107.247 83.61
Securities/Assets .147 .163
Total Equity/Total Assets .103 .111
Tangible Equity/Tangible Assets .103 .107
Capital Adequacy
Tier 1 Common Capital 18,543 18,124
Tier 1 Capital 18,543 18,269
Tier 2 Capital 1,271 1,473
Total Capital 19,814 19,774
Total Risk Weighted Assets 160,348 134,666
Leverage Ratio 10.72 11.078
Common Equity Tier 1 Capital Ratio 11.56 14.674
Tier 1 Capital Ratio 11.56 14.698
Total Capital Ratio 12.36 15.794

Timeline for Citizens Bank & Trust Company

Central Bank

Acquisition: Citizens Bank & Trust Company acquired a new subsidiary, Central Bank, 14 years

View Profile Dec 01 2009

Citizens Bank In Loup City

Acquisition: Citizens Bank & Trust Company acquired a new subsidiary, Citizens Bank In Loup City, 14 years

View Profile Dec 01 2009

Howard County Land And Cattle Co.

Howard County Land And Cattle Co. became a new parent organization for Citizens Bank & Trust Company.

View Profile Dec 31 1970

Citizens Bank & Trust Company

Citizens Bank & Trust Company was established 136 years ago and is currently headquartered in Saint Paul, NE.

Jan 01 1888
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Central Bank Seller 21,115 Acquisition Discontinued 12/1/2009
Citizens Bank In Loup City Seller 24,849 Pooling of Interests Discontinued 12/1/2009
Relationships Role Relationship Start Relationship End
Howard County Land And Cattle Co. Parent 7/7/1992
Howard County Land And Cattle Co. Parent 6/13/1988 7/6/1992
Howard County Land And Cattle Co. Parent 12/31/1979 6/12/1988
Howard County Land And Cattle Co. Parent 12/31/1970 12/30/1979
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