Vitals
  • Total Assets
    183.6M 11.2 %
  • Total Deposits
    151.0M 12.3 %
  • Total Net Loans
    129.6M 5.0 %
  • Net Income
    3.1M 3.6 %
  • Book Value
    16.8M 1.5 %
  • Book Value x2
    33.6M 1.5 %
  • Book Value x3
    50.5M 1.5 %
ROAA

1.769

ROAE

19.384

Efficiency Ratio

53.611

Net Interest Margin

5.063

Balance Sheet Highlights
Financial Highlights Citizens Security Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 183,563 185,759
Total Net Loans 129,556 137,560
Total Deposits 150,954 154,387
Total Equity 16,819 17,752
Profitability
Net Income 3,078 11,253
Return on Average Assets 1.769 1.405
Return on Average Equity 19.384 14.35
Net Interest Margin 5.063 4.561
Efficiency Ratio 53.611 62.186
Noninterest Income/Revenue 14.923 11.405
Balance Sheet Ratios
Loan-to-Deposit 85.825 84.834
Securities/Assets .185 .213
Total Equity/Total Assets .092 .096
Tangible Equity/Tangible Assets .079 -.929
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 14,774 17,144
Tier 2 Capital 1,734 1,758
Total Capital 16,508 18,847
Total Risk Weighted Assets 138,358 144,350
Leverage Ratio 8.21 10.263
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.68 13.733
Total Capital Ratio 11.93 14.902

Timeline for Citizens Security Bank

Ameris Bank

Citizens Security Bank was acquired by Ameris Bank 18 years

View Profile Feb 11 2006

Citizens Holding Company, Inc.

Citizens Holding Company, Inc. became a new subsidiary organization for Citizens Security Bank.

View Profile Jul 06 1999

The Bank Of Ocilla, Georgia

Acquisition: Citizens Security Bank acquired a new subsidiary, The Bank Of Ocilla, Georgia, 26 years

View Profile Aug 29 1997

Ameris Bancorp

Ameris Bancorp became a new parent organization for Citizens Security Bank.

View Profile Dec 31 1986

Citizens Security Bank

Citizens Security Bank was established 78 years ago and is currently headquartered in Tifton, GA.

Jul 02 1945
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Ameris Bank Buyer 6,487,996 Pooling of Interests Discontinued 2/11/2006
The Bank Of Ocilla, Georgia Seller 36,996 Pooling of Interests Discontinued 8/29/1997
Relationships Role Relationship Start Relationship End
Ameris Bancorp Parent 12/31/1986 2/10/2006
Citizens Holding Company, Inc. Subsidary 7/6/1999 2/10/2006
Similar Organizations
Organization City State Total Assets
Security First Bank Of North Dakota
 		New Salem ND 182.8M
Bank Of Jamestown
 		Jamestown KY 180.7M
F & C Bank
 		Holden MO 179.9M
Golden Valley Bank
 		Chico CA 187.9M
Kearney Trust Company
 		Kearney MO 179.2M
Tri-County Bank & Trust Company
 		Roachdale IN 188.1M
Pearland State Bank
 		Pearland TX 188.2M
Farmers And Drovers Bank
 		Council Grove KS 188.6M
Farmers & Merchants Bank Of Colby
 		Colby KS 188.8M
Fortunebank
 		Arnold MO 189.1M