Vitals
  • Total Assets
    414.2M 8.9 %
  • Total Deposits
    345.7M 10.3 %
  • Total Net Loans
    268.6M 8.3 %
  • Net Income
    3.1M -10.1 %
  • Book Value
    36.0M -1.1 %
  • Book Value x2
    72.0M -1.1 %
  • Book Value x3
    107.9M -1.1 %
ROAA

.804

ROAE

8.426

Efficiency Ratio

69.3

Net Interest Margin

4.121

Balance Sheet Highlights
Financial Highlights Citizens Bank & Trust All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 414,180 266,812
Total Net Loans 268,571 157,006
Total Deposits 345,704 227,200
Total Equity 35,983 30,855
Profitability
Net Income 3,131 2,603
Return on Average Assets .804 .91
Return on Average Equity 8.426 7.525
Net Interest Margin 4.121 3.872
Efficiency Ratio 69.3 69.238
Noninterest Income/Revenue 13.837 15.218
Balance Sheet Ratios
Loan-to-Deposit 77.688 65.031
Securities/Assets .229 .23
Total Equity/Total Assets .087 .116
Tangible Equity/Tangible Assets .087 .114
Capital Adequacy
Tier 1 Common Capital 36,893 30,655
Tier 1 Capital 36,893 30,655
Tier 2 Capital 3,010 1,864
Total Capital 39,903 32,526
Total Risk Weighted Assets 312,787 184,216
Leverage Ratio 9.35 11.829
Common Equity Tier 1 Capital Ratio 11.79 18.757
Tier 1 Capital Ratio 11.79 18.762
Total Capital Ratio 12.76 19.824

Timeline for Citizens Bank & Trust

Citizens B & T Holdings, Inc.

Citizens B & T Holdings, Inc. became a new parent organization for Citizens Bank & Trust.

View Profile Jul 01 2006

Citizens Bank & Trust

Citizens Bank & Trust was established 21 years ago and is currently headquartered in Guntersville, AL.

Mar 03 2003
Relationships Role Relationship Start Relationship End
Citizens B & T Holdings, Inc. Parent 7/1/2006
Similar Organizations
Organization City State Total Assets
F & M Bank
 		Edmond OK 394.8M
The Muncy Bank And Trust Company
 		Muncy PA 394.3M
West Texas State Bank
 		Odessa TX 392.6M
Gold Coast Bank
 		Islandia NY 400.4M
First Minnesota Bank
 		Minnetonka MN 405.6M
Peoples Bank & Trust
 		Pana IL 406.4M
West Milton State Bank
 		West Milton PA 394.1M
Northeast Bank
 		Minneapolis MN 406.7M
Citizens Bank
 		Kilgore TX 383.7M
Macon Bank And Trust Company
 		Lafayette TN 382.5M