Vitals
  • Total Assets
    350.0M 2.0 %
  • Total Deposits
    285.9M 8.3 %
  • Total Net Loans
    284.1M -4.6 %
  • Net Income
    -238000.0000 -130.8 %
  • Book Value
    30.4M 10.5 %
  • Book Value x2
    60.7M 10.5 %
  • Book Value x3
    91.1M 10.5 %
ROAA

-.269

ROAE

-3.124

Efficiency Ratio

51.307

Net Interest Margin

3.36

Balance Sheet Highlights
Financial Highlights Citizens First Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 350,033 232,450
Total Net Loans 284,138 157,333
Total Deposits 285,875 197,460
Total Equity 30,374 19,316
Profitability
Net Income -238 -176
Return on Average Assets -.269 -.248
Return on Average Equity -3.124 -4.985
Net Interest Margin 3.36 3.366
Efficiency Ratio 51.307 88.401
Noninterest Income/Revenue 11.675 10.681
Balance Sheet Ratios
Loan-to-Deposit 99.392 76.294
Securities/Assets .045 .192
Total Equity/Total Assets .087 .083
Tangible Equity/Tangible Assets .087 -1.445
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 30,026 18,260
Tier 2 Capital 3,486 2,143
Total Capital 33,512 20,389
Total Risk Weighted Assets 274,378 167,998
Leverage Ratio 8.5 8.807
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.94 12.606
Total Capital Ratio 12.21 13.849

Timeline for Citizens First Bank

Synovus Bank

Citizens First Bank was acquired by Synovus Bank 13 years

View Profile Jun 01 2010

Citizens Service Company

Citizens Service Company became a new subsidiary organization for Citizens First Bank.

View Profile Sep 04 1991

Synovus Financial Corp.

Synovus Financial Corp. became a new parent organization for Citizens First Bank.

View Profile Apr 09 1991

Citizens First Bank

Citizens First Bank was established 113 years ago and is currently headquartered in Rome, GA.

Jan 01 1911
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Synovus Bank Buyer 29,492,165 Pooling of Interests Discontinued 6/1/2010
Relationships Role Relationship Start Relationship End
Synovus Financial Corp. Parent 5/5/1992 5/31/2010
Synovus Financial Corp. Parent 4/9/1991 5/4/1992
Citizens Service Company Subsidary 9/4/1991 8/31/2001
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