Vitals
  • Total Assets
    212.8M 11.9 %
  • Total Deposits
    183.5M 10.1 %
  • Total Net Loans
    156.8M 5.8 %
  • Net Income
    2.3M 9.8 %
  • Book Value
    20.3M 10.1 %
  • Book Value x2
    40.7M 10.1 %
  • Book Value x3
    61.0M 10.1 %
ROAA

1.171

ROAE

11.968

Efficiency Ratio

57.558

Net Interest Margin

4.576

Balance Sheet Highlights
Financial Highlights Citizens Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 212,823 350,717
Total Net Loans 156,832 240,957
Total Deposits 183,465 296,573
Total Equity 20,335 37,152
Profitability
Net Income 2,347 3,593
Return on Average Assets 1.171 .956
Return on Average Equity 11.968 8.82
Net Interest Margin 4.576 4.036
Efficiency Ratio 57.558 69.386
Noninterest Income/Revenue 8.984 17.129
Balance Sheet Ratios
Loan-to-Deposit 85.483 77.925
Securities/Assets .117 .166
Total Equity/Total Assets .096 .106
Tangible Equity/Tangible Assets .096 .103
Capital Adequacy
Tier 1 Common Capital 20,611 35,983
Tier 1 Capital 20,611 36,157
Tier 2 Capital 2,184 2,649
Total Capital 22,795 38,803
Total Risk Weighted Assets 174,553 253,332
Leverage Ratio 9.89 10.564
Common Equity Tier 1 Capital Ratio 11.81 15.215
Tier 1 Capital Ratio 11.81 15.278
Total Capital Ratio 13.06 16.362

Timeline for Citizens Bank

Cumberland Bancshares, Inc.

Cumberland Bancshares, Inc. became a new parent organization for Citizens Bank.

View Profile Aug 01 1986

Citizens Bank

Citizens Bank was established 119 years ago and is currently headquartered in Hartsville, TN.

Oct 01 1905
Relationships Role Relationship Start Relationship End
Cumberland Bancshares, Inc. Parent 8/1/1986
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