Vitals
  • Total Assets
    55.8M -3.2 %
  • Total Deposits
    51.8M -3.7 %
  • Total Net Loans
    39.7M 7.0 %
  • Net Income
    -214000.0000 39.0 %
  • Book Value
    3.9M 2.8 %
  • Book Value x2
    7.8M 2.8 %
  • Book Value x3
    11.7M 2.8 %
ROAA

-.75

ROAE

-10.673

Efficiency Ratio

127.515

Net Interest Margin

4.625

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 55,848 238,633
Total Net Loans 39,666 147,969
Total Deposits 51,772 205,277
Total Equity 3,891 26,530
Profitability
Net Income -214 1,402
Return on Average Assets -.75 .977
Return on Average Equity -10.673 8.94
Net Interest Margin 4.625 4.008
Efficiency Ratio 127.515 71.801
Noninterest Income/Revenue 2.83 19.205
Balance Sheet Ratios
Loan-to-Deposit 76.617 71.648
Securities/Assets .034 .168
Total Equity/Total Assets .07 .111
Tangible Equity/Tangible Assets .07 .109
Capital Adequacy
Tier 1 Common Capital 3,640 24,640
Tier 1 Capital 3,640 24,714
Tier 2 Capital 537 1,820
Total Capital 4,177 26,588
Total Risk Weighted Assets 42,922 160,697
Leverage Ratio 6.46 10.588
Common Equity Tier 1 Capital Ratio 8.48 16.043
Tier 1 Capital Ratio 8.48 16.138
Total Capital Ratio 9.73 17.308

Timeline for Citizens State Bank

Pineland Bank

Citizens State Bank was acquired by Pineland Bank 7 years

View Profile Sep 01 2016

South Banking Company

South Banking Company became a new parent organization for Citizens State Bank.

View Profile Jul 28 1981

Citizens State Bank

Citizens State Bank was established 77 years ago and is currently headquartered in Kingsland, GA.

Feb 24 1947
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Pineland Bank Buyer 286,448 Pooling of Interests Discontinued 9/1/2016
Relationships Role Relationship Start Relationship End
South Banking Company Parent 7/28/1981 8/31/2016
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