Vitals
  • Total Assets
    414.5M 6.4 %
  • Total Deposits
    356.0M 6.1 %
  • Total Net Loans
    274.7M 15.4 %
  • Net Income
    4.5M 17.1 %
  • Book Value
    40.9M 1.2 %
  • Book Value x2
    81.8M 1.2 %
  • Book Value x3
    122.7M 1.2 %
ROAA

1.134

ROAE

10.942

Efficiency Ratio

56.023

Net Interest Margin

3.725

Balance Sheet Highlights
Financial Highlights Citizens Deposit Bank & Trust All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 414,485 275,102
Total Net Loans 274,707 177,820
Total Deposits 355,958 227,063
Total Equity 40,901 30,287
Profitability
Net Income 4,547 2,592
Return on Average Assets 1.134 .944
Return on Average Equity 10.942 8.074
Net Interest Margin 3.725 3.847
Efficiency Ratio 56.023 70.925
Noninterest Income/Revenue 15.573 17.219
Balance Sheet Ratios
Loan-to-Deposit 77.174 76.952
Securities/Assets .246 .219
Total Equity/Total Assets .099 .11
Tangible Equity/Tangible Assets .087 .107
Capital Adequacy
Tier 1 Common Capital 37,211 29,354
Tier 1 Capital 37,211 29,354
Tier 2 Capital 2,514 2,092
Total Capital 39,725 31,454
Total Risk Weighted Assets 277,265 190,479
Leverage Ratio 9.14 11.285
Common Equity Tier 1 Capital Ratio 13.42 17.115
Tier 1 Capital Ratio 13.42 17.115
Total Capital Ratio 14.33 18.174

Timeline for Citizens Deposit Bank & Trust

Farmers Deposit Bank

Acquisition: Citizens Deposit Bank & Trust acquired a new subsidiary, Farmers Deposit Bank, 11 years

View Profile Aug 18 2012

Ohio River Bank

Acquisition: Citizens Deposit Bank & Trust acquired a new subsidiary, Ohio River Bank, 11 years

View Profile Aug 18 2012

Bank Of Germantown

Acquisition: Citizens Deposit Bank & Trust acquired a new subsidiary, Bank Of Germantown, 19 years

View Profile Jan 03 2005

County Finance, Inc.

County Finance, Inc. became a new subsidiary organization for Citizens Deposit Bank & Trust.

View Profile May 26 1995

Premier Financial Bancorp, Inc.

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

View Profile Oct 29 1992

Want to see more?

Complete timeline for Citizens Deposit Bank & Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Farmers Deposit Bank Seller 58,824 Pooling of Interests Discontinued 8/18/2012
Ohio River Bank Seller 107,058 Pooling of Interests Discontinued 8/18/2012
Bank Of Germantown Seller 22,951 Pooling of Interests Discontinued 1/3/2005
Relationships Role Relationship Start Relationship End
Premier Financial Bancorp, Inc. Parent 10/29/1992
County Finance, Inc. Subsidary 5/26/1995 8/31/2001
Similar Organizations
Organization City State Total Assets
First Minnesota Bank
 		Minnetonka MN 405.6M
Gold Coast Bank
 		Islandia NY 400.4M
Peoples Bank & Trust
 		Pana IL 406.4M
Northeast Bank
 		Minneapolis MN 406.7M
Citizens Bank & Trust
 		Guntersville AL 395.2M
F & M Bank
 		Edmond OK 394.8M
The Muncy Bank And Trust Company
 		Muncy PA 394.3M
West Texas State Bank
 		Odessa TX 392.6M
First Community Bank
 		Corpus Christi TX 402.8M
Fnbt Bank
 		Fort Walton Beach FL 403.0M