Vitals
  • Total Assets
    48.4M 0.7 %
  • Total Deposits
    40.1M 0.7 %
  • Total Net Loans
    21.3M 6.4 %
  • Net Income
    203000.0000 153.8 %
  • Book Value
    7.6M 1.0 %
  • Book Value x2
    15.1M 1.0 %
  • Book Value x3
    22.7M 1.0 %
ROAA

.548

ROAE

3.61

Efficiency Ratio

78.037

Net Interest Margin

3.623

Balance Sheet Highlights
Financial Highlights Citizens Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 48,401 159,944
Total Net Loans 21,265 119,880
Total Deposits 40,106 129,818
Total Equity 7,561 15,645
Profitability
Net Income 203 6,578
Return on Average Assets .548 1.319
Return on Average Equity 3.61 13.59
Net Interest Margin 3.623 4.37
Efficiency Ratio 78.037 64.404
Noninterest Income/Revenue 14.201 13.189
Balance Sheet Ratios
Loan-to-Deposit 53.022 85.933
Securities/Assets .304 .236
Total Equity/Total Assets .156 .098
Tangible Equity/Tangible Assets .087 -.245
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 4,241 14,897
Tier 2 Capital 306 1,564
Total Capital 4,547 16,382
Total Risk Weighted Assets 24,293 123,088
Leverage Ratio 9.19 10.116
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 17.46 13.569
Total Capital Ratio 18.72 14.759

Timeline for Citizens Bank

First Citizens Bank And Trust Company, Inc.

Citizens Bank was acquired by First Citizens Bank And Trust Company, Inc. 19 years

View Profile Nov 20 2004

First Citizens Bancorporation, Inc.

First Citizens Bancorporation, Inc. became a new parent organization for Citizens Bank.

View Profile Oct 01 2002

C B Financial Corp.

C B Financial Corp. became a new parent organization for Citizens Bank.

View Profile Jun 02 1986

Citizens Bank

Citizens Bank was established 122 years ago and is currently headquartered in Warrenton, GA.

Apr 01 1902
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Citizens Bank And Trust Company, Inc. Buyer 8,346,821 Acquisition Discontinued 11/20/2004
Relationships Role Relationship Start Relationship End
First Citizens Bancorporation, Inc. Parent 10/1/2002 11/19/2004
C B Financial Corp. Parent 6/2/1986 9/30/2002
Similar Organizations
Organization City State Total Assets
Union State Bank
 		Uniontown KS 48.4M
Omnibank
 		Bay Springs MS 48.4M
Farmers And Merchants State Bank Of Appleton
 		Appleton MN 48.7M
One South Bank
 		Chipley FL 48.0M
Bank Of Caneyville
 		Caneyville KY 47.9M
Farmers State Bank Of Camp Point
 		Camp Point IL 48.1M
Bank Of Modesto
 		Modesto IL 48.6M
Spiro State Bank
 		Spiro OK 50.3M
Maple Bank
 		Champlin MN 48.8M
Vergas State Bank
 		Vergas MN 49.2M