Vitals
  • Total Assets
    400.1M 0.9 %
  • Total Deposits
    348.0M 1.6 %
  • Total Net Loans
    297.8M 3.3 %
  • Net Income
    5.2M 9.9 %
  • Book Value
    40.8M 4.4 %
  • Book Value x2
    81.7M 4.4 %
  • Book Value x3
    122.5M 4.4 %
ROAA

1.729

ROAE

17.645

Efficiency Ratio

64.882

Net Interest Margin

4.6

Balance Sheet Highlights
Financial Highlights Citizens Bank All Insured Commercial Banks in Mississippi
Balance Sheet $(000)
Total Assets 400,107 523,218
Total Net Loans 297,847 343,479
Total Deposits 347,967 435,788
Total Equity 40,833 60,190
Profitability
Net Income 5,175 3,939
Return on Average Assets 1.729 .951
Return on Average Equity 17.645 8.67
Net Interest Margin 4.6 3.955
Efficiency Ratio 64.882 69.509
Noninterest Income/Revenue 18.263 22.685
Balance Sheet Ratios
Loan-to-Deposit 85.596 71.646
Securities/Assets .12 .201
Total Equity/Total Assets .102 .115
Tangible Equity/Tangible Assets .102 .103
Capital Adequacy
Tier 1 Common Capital 43,914 50,866
Tier 1 Capital 43,914 50,964
Tier 2 Capital 3,653 3,557
Total Capital 47,567 54,515
Total Risk Weighted Assets 291,350 374,913
Leverage Ratio 10.89 10.771
Common Equity Tier 1 Capital Ratio 15.07 16.444
Tier 1 Capital Ratio 15.07 16.503
Total Capital Ratio 16.33 17.544

Timeline for Citizens Bank

Walthall Citizens Bank

Acquisition: Citizens Bank acquired a new subsidiary, Walthall Citizens Bank, 24 years

View Profile Sep 11 1999

Walthall Finance Company

Walthall Finance Company became a new subsidiary organization for Citizens Bank.

View Profile Sep 11 1999

Cblink, Llc

Cblink, Llc became a new subsidiary organization for Citizens Bank.

View Profile Sep 17 1998

Citizens Financial Services Corporation

Citizens Financial Services Corporation became a new subsidiary organization for Citizens Bank.

View Profile Aug 01 1988

Citizens Corporation

Citizens Corporation became a new parent organization for Citizens Bank.

View Profile Oct 26 1987

Want to see more?

Complete timeline for Citizens Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Walthall Citizens Bank Seller 68,588 Pooling of Interests Discontinued 9/11/1999
Relationships Role Relationship Start Relationship End
Citizens Corporation Parent 10/26/1987
Citizens Financial Services Corporation Subsidary 8/1/1988 12/30/2006
Walthall Finance Company Subsidary 9/11/1999 12/30/2006
Cblink, Llc Subsidary 9/17/1998 12/30/2006
Similar Organizations
Organization City State Total Assets
Gold Coast Bank
 		Islandia NY 400.4M
Citizens Bank & Trust
 		Guntersville AL 395.2M
F & M Bank
 		Edmond OK 394.8M
First Minnesota Bank
 		Minnetonka MN 405.6M
The Muncy Bank And Trust Company
 		Muncy PA 394.3M
Peoples Bank & Trust
 		Pana IL 406.4M
Northeast Bank
 		Minneapolis MN 406.7M
West Texas State Bank
 		Odessa TX 392.6M
South Ottumwa Savings Bank
 		Ottumwa IA 400.5M
Main Street Bank Corp.
 		Wheeling WV 400.2M