Vitals
  • Total Assets
    568.2M 4.7 %
  • Total Deposits
    468.2M 4.5 %
  • Total Net Loans
    179.6M -5.0 %
  • Net Income
    9.6M -2.8 %
  • Book Value
    98.0M 5.4 %
  • Book Value x2
    195.9M 5.4 %
  • Book Value x3
    293.9M 5.4 %
ROAA

2.308

ROAE

13.501

Efficiency Ratio

26.476

Net Interest Margin

4.773

Balance Sheet Highlights
Financial Highlights Citizens Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 568,240 343,265
Total Net Loans 179,585 234,908
Total Deposits 468,240 288,224
Total Equity 97,951 37,585
Profitability
Net Income 9,609 2,682
Return on Average Assets 2.308 .969
Return on Average Equity 13.501 8.858
Net Interest Margin 4.773 4.031
Efficiency Ratio 26.476 69.074
Noninterest Income/Revenue 7.688 17.443
Balance Sheet Ratios
Loan-to-Deposit 38.353 77.99
Securities/Assets .597 .167
Total Equity/Total Assets .172 .109
Tangible Equity/Tangible Assets .172 .107
Capital Adequacy
Tier 1 Common Capital 97,411 35,446
Tier 1 Capital 97,411 35,615
Tier 2 Capital 1,907 2,559
Total Capital 99,318 38,171
Total Risk Weighted Assets 332,061 244,911
Leverage Ratio 17.35 10.671
Common Equity Tier 1 Capital Ratio 29.34 15.418
Tier 1 Capital Ratio 29.34 15.475
Total Capital Ratio 29.91 16.555

Timeline for Citizens Bank

White County Bank

Acquisition: Citizens Bank acquired a new subsidiary, White County Bank, 40 years

View Profile Jan 01 1984

Citizens Bank

Citizens Bank was established 94 years ago and is currently headquartered in Carthage, TN.

Oct 26 1929
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
White County Bank Seller 12,848 Discontinued 1/1/1984
Relationships Role Relationship Start Relationship End
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