Vitals
  • Total Assets
    79.7M -0.4 %
  • Total Deposits
    59.3M -10.6 %
  • Total Net Loans
    47.3M -15.8 %
  • Net Income
  • Book Value
    14.5M 85.9 %
  • Book Value x2
    28.9M 85.9 %
  • Book Value x3
    43.4M 85.9 %
ROAA

ROAE

Efficiency Ratio

151.301

Net Interest Margin

2.079

Balance Sheet Highlights
Financial Highlights Citizens Bank All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 79,743 139,275
Total Net Loans 47,284 93,233
Total Deposits 59,259 111,536
Total Equity 14,459 14,329
Profitability
Net Income — 2,138
Return on Average Assets — 1.3
Return on Average Equity — 12.861
Net Interest Margin 2.079 4.099
Efficiency Ratio 151.301 63.176
Noninterest Income/Revenue 19.954 12.905
Balance Sheet Ratios
Loan-to-Deposit 79.792 81.185
Securities/Assets .145 .377
Total Equity/Total Assets .181 .103
Tangible Equity/Tangible Assets .094 .044
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 7,454 13,568
Tier 2 Capital 621 1,090
Total Capital 8,075 14,660
Total Risk Weighted Assets 48,679 93,258
Leverage Ratio 10.04 10.023
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.31 15.683
Total Capital Ratio 16.59 16.856

Timeline for Citizens Bank

The Farmers Bank And Trust Company Of Georgetown, Kentucky

Citizens Bank was acquired by The Farmers Bank And Trust Company Of Georgetown, Kentucky 19 years

View Profile Oct 23 2004

Farmers Capital Bank Corporation

Farmers Capital Bank Corporation became a new parent organization for Citizens Bank.

View Profile Jul 01 2004

Premier Financial Bancorp, Inc.

Premier Financial Bancorp, Inc. became a new parent organization for Citizens Bank.

View Profile Dec 26 2002

Citizens Bank

Acquisition: Citizens Bank acquired a new subsidiary, Citizens Bank, 23 years

View Profile Oct 21 2000

Citizens Bank

Citizens Bank was established 36 years ago and is currently headquartered in Georgetown, KY.

May 16 1988

Want to see more?

Complete timeline for Citizens Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Farmers Bank And Trust Company Of Georgetown, Kentucky Buyer 347,923 Pooling of Interests Discontinued 10/23/2004
Citizens Bank Seller 49,765 Pooling of Interests Discontinued 10/21/2000
Relationships Role Relationship Start Relationship End
Farmers Capital Bank Corporation Parent 7/1/2004 10/22/2004
Premier Financial Bancorp, Inc. Parent 12/26/2002 6/30/2004
Georgetown Bancorp, Inc. Parent 5/16/1988 12/25/2002
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