Vitals
  • Total Assets
    273.3M -7.8 %
  • Total Deposits
    244.3M -1.4 %
  • Total Net Loans
    227.0M -6.8 %
  • Net Income
  • Book Value
    23.1M -10.4 %
  • Book Value x2
    46.3M -10.4 %
  • Book Value x3
    69.4M -10.4 %
ROAA

ROAE

Efficiency Ratio

148.621

Net Interest Margin

2.375

Balance Sheet Highlights
Financial Highlights Citizens & Merchants State Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 273,262 232,289
Total Net Loans 226,989 175,176
Total Deposits 244,269 192,085
Total Equity 23,149 22,107
Profitability
Net Income — 9,172
Return on Average Assets — .995
Return on Average Equity — 9.344
Net Interest Margin 2.375 3.539
Efficiency Ratio 148.621 84.879
Noninterest Income/Revenue 54.021
Balance Sheet Ratios
Loan-to-Deposit 92.926 88.541
Securities/Assets .081 .188
Total Equity/Total Assets .085 .095
Tangible Equity/Tangible Assets .085 -.778
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 23,032 20,998
Tier 2 Capital 3,275 2,431
Total Capital 26,307 23,373
Total Risk Weighted Assets 260,175 186,909
Leverage Ratio 8.41 10.076
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 8.85 12.978
Total Capital Ratio 10.11 14.174

Timeline for Citizens & Merchants State Bank

Bank Of North Georgia

Citizens & Merchants State Bank was acquired by Bank Of North Georgia 15 years

View Profile Oct 25 2008

Synovus Financial Corp.

Synovus Financial Corp. became a new parent organization for Citizens & Merchants State Bank.

View Profile Apr 29 1995

Citizens And Merchants Corporation

Citizens And Merchants Corporation became a new parent organization for Citizens & Merchants State Bank.

View Profile Jan 18 1990

Citizens & Merchants State Bank

Citizens & Merchants State Bank was established 36 years ago and is currently headquartered in Douglasville, GA.

Oct 06 1987
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of North Georgia Buyer 4,673,717 Pooling of Interests Discontinued 10/25/2008
Relationships Role Relationship Start Relationship End
Synovus Financial Corp. Parent 4/29/1995 10/24/2008
Citizens And Merchants Corporation Parent 1/18/1990 4/28/1995
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