Vitals
  • Total Assets
    278.6M 2.7 %
  • Total Deposits
    250.3M 2.9 %
  • Total Net Loans
    137.6M 11.6 %
  • Net Income
    1.7M -1.8 %
  • Book Value
    22.5M -4.6 %
  • Book Value x2
    45.0M -4.6 %
  • Book Value x3
    67.5M -4.6 %
ROAA

.622

ROAE

7.151

Efficiency Ratio

78.222

Net Interest Margin

3.36

Balance Sheet Highlights
Financial Highlights Citizens National Bank Of Cheboygan All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 278,628 330,697
Total Net Loans 137,614 227,599
Total Deposits 250,298 278,247
Total Equity 22,506 33,935
Profitability
Net Income 1,702 3,589
Return on Average Assets .622 .954
Return on Average Equity 7.151 8.772
Net Interest Margin 3.36 3.821
Efficiency Ratio 78.222 71.925
Noninterest Income/Revenue 22.279 24.061
Balance Sheet Ratios
Loan-to-Deposit 54.98 76.845
Securities/Assets .329 .16
Total Equity/Total Assets .081 .103
Tangible Equity/Tangible Assets .078 .098
Capital Adequacy
Tier 1 Common Capital 25,084 32,553
Tier 1 Capital 25,084 32,664
Tier 2 Capital 1,625 2,479
Total Capital 26,709 35,133
Total Risk Weighted Assets 151,985 242,208
Leverage Ratio 9.04 10.341
Common Equity Tier 1 Capital Ratio 16.5 15.339
Tier 1 Capital Ratio 16.5 15.393
Total Capital Ratio 17.57 16.423

Timeline for Citizens National Bank Of Cheboygan

Cnb Corporation

Cnb Corporation became a new parent organization for Citizens National Bank Of Cheboygan.

View Profile Dec 31 1985

Onaway State Bank

Acquisition: Citizens National Bank Of Cheboygan acquired a new subsidiary, Onaway State Bank , 57 years

View Profile Dec 01 1966

Citizens National Bank Of Cheboygan

Citizens National Bank Of Cheboygan was established 93 years ago and is currently headquartered in Cheboygan, MI.

Jan 24 1931
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Onaway State Bank Seller Discontinued 12/1/1966
Relationships Role Relationship Start Relationship End
Cnb Corporation Parent 12/31/1985
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