Vitals
  • Total Assets
    438.6M -8.8 %
  • Total Deposits
    393.6M 0.9 %
  • Total Net Loans
    184.9M -7.9 %
  • Net Income
  • Book Value
    16.7M -66.8 %
  • Book Value x2
    33.4M -66.8 %
  • Book Value x3
    50.1M -66.8 %
ROAA

ROAE

Efficiency Ratio

63.56

Net Interest Margin

3.161

Balance Sheet Highlights
Financial Highlights Citizens National Bank All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 438,560 207,277
Total Net Loans 184,911 141,870
Total Deposits 393,635 173,631
Total Equity 16,707 20,140
Profitability
Net Income — 1,034
Return on Average Assets — 1.052
Return on Average Equity — 10.469
Net Interest Margin 3.161 3.54
Efficiency Ratio 63.56 69.904
Noninterest Income/Revenue 8.696 13.082
Balance Sheet Ratios
Loan-to-Deposit 46.975 74.655
Securities/Assets .395 .656
Total Equity/Total Assets .038 .097
Tangible Equity/Tangible Assets -.015 -.028
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 9,321 18,767
Tier 2 Capital 3,108 1,919
Total Capital 12,429 20,757
Total Risk Weighted Assets 272,968 156,376
Leverage Ratio 2.21 9.734
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 3.41 14.326
Total Capital Ratio 4.55 15.41

Timeline for Citizens National Bank

Morton Community Bank

Citizens National Bank was acquired by Morton Community Bank 15 years

View Profile May 23 2009

Roseville State Bank

Acquisition: Citizens National Bank acquired a new subsidiary, Roseville State Bank, 28 years

View Profile Sep 16 1995

Citizens Central Bancorp, Inc.

Citizens Central Bancorp, Inc. became a new parent organization for Citizens National Bank.

View Profile Dec 31 1983

Citizens National Bank

Citizens National Bank was established 134 years ago and is currently headquartered in Macomb, IL.

Jan 01 1890
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Morton Community Bank Buyer 3,332,690 Failure 5/23/2009
Roseville State Bank Seller 17,659 Pooling of Interests Discontinued 9/16/1995
Relationships Role Relationship Start Relationship End
Citizens Central Bancorp, Inc. Parent 1/31/2006 5/22/2009
Citizens Central Bancorp, Inc. Parent 12/31/1983 1/30/2006
Similar Organizations
Organization City State Total Assets
Southwest National Bank
 		Wichita KS 439.7M
Integrity First Bank, National Association
 		Mountain Home AR 432.4M
First National Bank Of Waterloo
 		Waterloo IL 446.7M
First National Bank
 		Wichita Falls TX 448.7M
Citizens National Bank Of Greater St. Louis
 		Maplewood MO 439.8M
Cumberland Valley National Bank & Trust Company
 		East Bernstadt KY 440.4M
Resource Bank, National Association
 		Dekalb IL 428.3M
Athens Federal Community Bank National Association
 		Athens TN 426.0M
First National Bank & Trust Co. Of Williston
 		Williston ND 444.0M
Consumers National Bank
 		Minerva OH 431.7M