Vitals
  • Total Assets
    142.4M -2.6 %
  • Total Deposits
    118.5M -0.1 %
  • Total Net Loans
    107.9M 4.9 %
  • Net Income
    944000.0000 -4.7 %
  • Book Value
    15.5M 1.5 %
  • Book Value x2
    31.0M 1.5 %
  • Book Value x3
    46.6M 1.5 %
ROAA

.864

ROAE

8.289

Efficiency Ratio

77.366

Net Interest Margin

4.206

Balance Sheet Highlights
Financial Highlights Citizens Bank All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 142,363 269,310
Total Net Loans 107,934 173,652
Total Deposits 118,481 221,056
Total Equity 15,524 31,294
Profitability
Net Income 944 1,976
Return on Average Assets .864 .966
Return on Average Equity 8.289 8.27
Net Interest Margin 4.206 3.839
Efficiency Ratio 77.366 70.852
Noninterest Income/Revenue 14.461 17.438
Balance Sheet Ratios
Loan-to-Deposit 91.098 76.981
Securities/Assets .105 .224
Total Equity/Total Assets .109 .116
Tangible Equity/Tangible Assets .106 .113
Capital Adequacy
Tier 1 Common Capital 14,647 29,217
Tier 1 Capital 14,647 29,217
Tier 2 Capital 1,163 2,080
Total Capital 15,810 31,305
Total Risk Weighted Assets 98,510 185,859
Leverage Ratio 10.02 11.372
Common Equity Tier 1 Capital Ratio 14.87 17.382
Tier 1 Capital Ratio 14.87 17.382
Total Capital Ratio 16.05 18.476

Timeline for Citizens Bank

Citizens Insurance Agency Llc

Citizens Insurance Agency Llc became a new subsidiary organization for Citizens Bank.

View Profile Jan 01 2013

Bankers Service Corporation

Bankers Service Corporation became a new subsidiary organization for Citizens Bank.

View Profile Jun 25 1997

Rockcastle Bancorp, Inc.

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

View Profile Jan 01 1995

Citizens Bank

Citizens Bank was established 120 years ago and is currently headquartered in Mount Vernon, KY.

Jan 01 1904
Relationships Role Relationship Start Relationship End
Rockcastle Bancorp, Inc. Parent 1/1/1995
Citizens Insurance Agency Llc Subsidary 1/1/2013
Bankers Service Corporation Subsidary 6/25/1997 8/31/2001
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