Vitals
  • Total Assets
    215.5M -1.9 %
  • Total Deposits
    179.7M 0.3 %
  • Total Net Loans
    129.8M 1.5 %
  • Net Income
    753000.0000 -22.1 %
  • Book Value
    12.0M 10.9 %
  • Book Value x2
    24.0M 10.9 %
  • Book Value x3
    35.9M 10.9 %
ROAA

.343

ROAE

6.085

Efficiency Ratio

92.703

Net Interest Margin

3.199

Balance Sheet Highlights
Financial Highlights Citizens Commerce National Bank All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 215,530 275,102
Total Net Loans 129,778 177,820
Total Deposits 179,747 227,063
Total Equity 11,979 30,287
Profitability
Net Income 753 2,592
Return on Average Assets .343 .944
Return on Average Equity 6.085 8.074
Net Interest Margin 3.199 3.847
Efficiency Ratio 92.703 70.925
Noninterest Income/Revenue 12.818 17.219
Balance Sheet Ratios
Loan-to-Deposit 72.2 76.952
Securities/Assets .238 .219
Total Equity/Total Assets .056 .11
Tangible Equity/Tangible Assets .056 .107
Capital Adequacy
Tier 1 Common Capital 12,878 29,354
Tier 1 Capital 12,878 29,354
Tier 2 Capital 1,724 2,092
Total Capital 14,602 31,454
Total Risk Weighted Assets 137,049 190,479
Leverage Ratio 5.81 11.285
Common Equity Tier 1 Capital Ratio 9.4 17.115
Tier 1 Capital Ratio 9.4 17.115
Total Capital Ratio 10.65 18.174

Timeline for Citizens Commerce National Bank

Mortgage Express Corporation

Acquisition: Citizens Commerce National Bank acquired a new subsidiary, Mortgage Express Corporation , 20 years

View Profile Dec 31 2003

Citizens Commerce Bancshares, Inc.

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

View Profile Aug 14 1998

Mortgage Express Corporation

Mortgage Express Corporation became a new subsidiary organization for Citizens Commerce National Bank.

View Profile Aug 14 1998

Bankers Service Corporation

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

View Profile Aug 14 1998

Citizens Commerce National Bank

Citizens Commerce National Bank was established 27 years ago and is currently headquartered in Versailles, KY.

Nov 12 1996
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Mortgage Express Corporation Seller Pooling of Interests Discontinued 12/31/2003
Relationships Role Relationship Start Relationship End
Citizens Commerce Bancshares, Inc. Parent 8/14/1998
Mortgage Express Corporation Subsidary 8/14/1998 12/30/2003
Bankers Service Corporation Subsidary 8/14/1998 8/31/2001
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