Vitals
  • Total Assets
    156.7M 3.0 %
  • Total Deposits
    129.0M 4.2 %
  • Total Net Loans
    125.1M 1.6 %
  • Net Income
    802000.0000 9.1 %
  • Book Value
    12.3M 0.7 %
  • Book Value x2
    24.5M 0.7 %
  • Book Value x3
    36.8M 0.7 %
ROAA

.518

ROAE

6.529

Efficiency Ratio

86.585

Net Interest Margin

4.177

Balance Sheet Highlights
Financial Highlights Citizens Guaranty Bank All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 156,653 275,102
Total Net Loans 125,122 177,820
Total Deposits 129,049 227,063
Total Equity 12,270 30,287
Profitability
Net Income 802 2,592
Return on Average Assets .518 .944
Return on Average Equity 6.529 8.074
Net Interest Margin 4.177 3.847
Efficiency Ratio 86.585 70.925
Noninterest Income/Revenue 13.689 17.219
Balance Sheet Ratios
Loan-to-Deposit 96.957 76.952
Securities/Assets .085 .219
Total Equity/Total Assets .078 .11
Tangible Equity/Tangible Assets .078 .107
Capital Adequacy
Tier 1 Common Capital 12,382 29,354
Tier 1 Capital 12,382 29,354
Tier 2 Capital 1,462 2,092
Total Capital 13,844 31,454
Total Risk Weighted Assets 116,592 190,479
Leverage Ratio 7.96 11.285
Common Equity Tier 1 Capital Ratio 10.62 17.115
Tier 1 Capital Ratio 10.62 17.115
Total Capital Ratio 11.87 18.174

Timeline for Citizens Guaranty Bank

Bankers Service Corporation

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

View Profile Mar 15 2000

Citizens Guaranty Financial Corporation

Citizens Guaranty Financial Corporation became a new parent organization for Citizens Guaranty Bank.

View Profile Jun 05 1987

Citizens Guaranty Bancshares Inc.

Citizens Guaranty Bancshares Inc. became a new parent organization for Citizens Guaranty Bank.

View Profile Sep 19 1984

Citizens Guaranty Bank

Citizens Guaranty Bank was established 51 years ago and is currently headquartered in Richmond, KY.

Nov 29 1972
Relationships Role Relationship Start Relationship End
Citizens Guaranty Financial Corporation Parent 6/5/1987
Citizens Guaranty Bancshares Inc. Parent 9/19/1984 6/4/1987
Bankers Service Corporation Subsidary 3/15/2000 8/31/2001
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