Vitals
  • Total Assets
    325.3M 2.8 %
  • Total Deposits
    261.3M 2.3 %
  • Total Net Loans
    239.2M 8.2 %
  • Net Income
    3.1M -0.7 %
  • Book Value
    48.3M 2.2 %
  • Book Value x2
    96.6M 2.2 %
  • Book Value x3
    144.9M 2.2 %
ROAA

.987

ROAE

6.438

Efficiency Ratio

54.252

Net Interest Margin

3.497

Balance Sheet Highlights
Financial Highlights Citizens National Bank Of Albion All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 325,292 290,894
Total Net Loans 239,158 191,278
Total Deposits 261,286 246,407
Total Equity 48,312 31,125
Profitability
Net Income 3,120 2,670
Return on Average Assets .987 .919
Return on Average Equity 6.438 8.247
Net Interest Margin 3.497 3.499
Efficiency Ratio 54.252 67.9
Noninterest Income/Revenue 8.184 16.598
Balance Sheet Ratios
Loan-to-Deposit 91.531 72.669
Securities/Assets .224 .191
Total Equity/Total Assets .149 .107
Tangible Equity/Tangible Assets .146 .103
Capital Adequacy
Tier 1 Common Capital 47,824 29,670
Tier 1 Capital 47,824 29,720
Tier 2 Capital 2,985 2,112
Total Capital 50,809 31,905
Total Risk Weighted Assets 245,450 212,461
Leverage Ratio 14.8 10.62
Common Equity Tier 1 Capital Ratio 19.48 16.313
Tier 1 Capital Ratio 19.48 16.329
Total Capital Ratio 20.7 17.341

Timeline for Citizens National Bank Of Albion

The Bank Of Lawrence County

Acquisition: Citizens National Bank Of Albion acquired a new subsidiary, The Bank Of Lawrence County, 9 years

View Profile Apr 18 2015

Citizens Bancshares, Inc.

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

View Profile Sep 30 1996

Citizens National Bank Of Albion

Citizens National Bank Of Albion was established 83 years ago and is currently headquartered in Albion, IL.

Aug 05 1940
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Bank Of Lawrence County Seller 44,794 Acquisition Discontinued 4/18/2015
Relationships Role Relationship Start Relationship End
Citizens Bancshares, Inc. Parent 9/30/1996
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