Vitals
  • Total Assets
    394.8M 1.8 %
  • Total Deposits
    339.8M 3.3 %
  • Total Net Loans
    208.1M 12.6 %
  • Net Income
    2.4M 18.9 %
  • Book Value
    45.3M -8.8 %
  • Book Value x2
    90.6M -8.8 %
  • Book Value x3
    136.0M -8.8 %
ROAA

.593

ROAE

4.832

Efficiency Ratio

79.817

Net Interest Margin

3.314

Balance Sheet Highlights
Financial Highlights Citizens Trust Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 394,849 256,123
Total Net Loans 208,139 160,108
Total Deposits 339,810 221,413
Total Equity 45,317 27,434
Profitability
Net Income 2,406 2,812
Return on Average Assets .593 .99
Return on Average Equity 4.832 8.811
Net Interest Margin 3.314 4.031
Efficiency Ratio 79.817 72.067
Noninterest Income/Revenue 25.975 19.316
Balance Sheet Ratios
Loan-to-Deposit 61.252 70.662
Securities/Assets .306 .165
Total Equity/Total Assets .115 .107
Tangible Equity/Tangible Assets .114 .105
Capital Adequacy
Tier 1 Common Capital 43,752 26,376
Tier 1 Capital 43,752 26,452
Tier 2 Capital 1,831 1,919
Total Capital 45,583 28,453
Total Risk Weighted Assets 261,863 174,280
Leverage Ratio 10.8 10.62
Common Equity Tier 1 Capital Ratio 16.71 16.191
Tier 1 Capital Ratio 16.71 16.286
Total Capital Ratio 17.41 17.433

Timeline for Citizens Trust Bank

Citizens Federal Savings Bank

Acquisition: Citizens Trust Bank acquired a new subsidiary, Citizens Federal Savings Bank, 21 years

View Profile Mar 01 2003

Mutual Federal Savings Bank

Acquisition: Citizens Trust Bank acquired a new subsidiary, Mutual Federal Savings Bank, 24 years

View Profile Mar 11 2000

First Southern Bank

Acquisition: Citizens Trust Bank acquired a new subsidiary, First Southern Bank, 26 years

View Profile Jan 31 1998

Southern Federal Savings Association Of Georgia

Acquisition: Citizens Trust Bank acquired a new subsidiary, Southern Federal Savings Association Of Georgia, 30 years

View Profile Apr 23 1994

Citizens Bancshares Corporation

Citizens Bancshares Corporation became a new parent organization for Citizens Trust Bank.

View Profile Sep 20 1973

Want to see more?

Complete timeline for Citizens Trust Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens Federal Savings Bank Seller 108,540 Acquisition Discontinued 3/1/2003
Mutual Federal Savings Bank Seller 31,479 Failure 3/11/2000
First Southern Bank Seller 57,192 Pooling of Interests Discontinued 1/31/1998
Southern Federal Savings Association Of Georgia Seller 51,864 Failure 4/23/1994
Relationships Role Relationship Start Relationship End
Citizens Bancshares Corporation Parent 9/20/1973
Atlanta Mortgage Brokerage And Servicing Company, Inc. Subsidary 6/30/2007 8/1/2007
Atlanta Mortgage Brokerage And Servicing Company, Inc. Subsidary 9/20/1973 6/29/2007
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