Citizens Bank Financial Statements & Health Reports

Acquired Aug 2004

Vitals

ROAA

1.033

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Citizens Bank	All Insured Commercial Banks in New Mexico
Balance Sheet $(000)
Total Assets	54,484	183,949
Total Net Loans	31,064	123,867
Total Deposits	47,348	147,337
Total Equity	6,864	15,977
Profitability
Net Income	277	1,565
Return on Average Assets	1.033	1.38
Return on Average Equity	8.202	14.688
Net Interest Margin	3.359	4.622
Efficiency Ratio	70.595	67.756
Noninterest Income/Revenue	5.514	15.675
Balance Sheet Ratios
Loan-to-Deposit	65.608	69.237
Securities/Assets	.058	.398
Total Equity/Total Assets	.126	.087
Tangible Equity/Tangible Assets	.126	-.094
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	6,923	15,305
Tier 2 Capital	219	1,588
Total Capital	7,142	16,581
Total Risk Weighted Assets	35,663	114,435
Leverage Ratio	12.85	9.155
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	19.41	14.211
Total Capital Ratio	20.03	15.383

Citizens Bank was acquired by Citizens Bank 19 years

View Profile Aug 26 2004

Citizens Bank was established 76 years ago and is currently headquartered in Tucumcari, NM.

Mar 15 1948

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Citizens Bank	Buyer	151,464	Acquisition	Discontinued	8/26/2004

Relationships	Role	Relationship Start	Relationship End

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