Vitals
  • Total Assets
    143.8M 2.4 %
  • Total Deposits
    100.7M 6.4 %
  • Total Net Loans
    61.2M 4.5 %
  • Net Income
    346000.0000 11.3 %
  • Book Value
    18.3M 4.0 %
  • Book Value x2
    36.6M 4.0 %
  • Book Value x3
    54.9M 4.0 %
ROAA

.97

ROAE

7.535

Efficiency Ratio

63.673

Net Interest Margin

3.043

Balance Sheet Highlights
Financial Highlights Citizens Trust Company All Insured Commercial Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 143,795 460,247
Total Net Loans 61,224 305,943
Total Deposits 100,716 356,842
Total Equity 18,313 46,814
Profitability
Net Income 346 4,861
Return on Average Assets .97 .917
Return on Average Equity 7.535 9.129
Net Interest Margin 3.043 3.49
Efficiency Ratio 63.673 73.073
Noninterest Income/Revenue 15.565 14.901
Balance Sheet Ratios
Loan-to-Deposit 60.789 80.797
Securities/Assets .421 1.526
Total Equity/Total Assets .127 .102
Tangible Equity/Tangible Assets .127 -.111
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 18,629 41,851
Tier 2 Capital 602 4,157
Total Capital 19,231 45,809
Total Risk Weighted Assets 65,603 338,669
Leverage Ratio 13.05 10.514
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 28.4 15.505
Total Capital Ratio 29.31 16.681

Timeline for Citizens Trust Company

Citizens & Northern Bank

Citizens Trust Company was acquired by Citizens & Northern Bank 17 years

View Profile May 01 2007

Citizens Bancorp, Inc.

Citizens Bancorp, Inc. became a new parent organization for Citizens Trust Company.

View Profile Jul 01 1991

Citizens Trust Company

Citizens Trust Company was established 120 years ago and is currently headquartered in Coudersport, PA.

Jun 06 1903
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens & Northern Bank Buyer 1,230,460 Acquisition Discontinued 5/1/2007
Relationships Role Relationship Start Relationship End
Citizens Bancorp, Inc. Parent 7/1/1991 4/30/2007
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