Vitals
  • Total Assets
    122.5M -3.2 %
  • Total Deposits
    107.0M -4.0 %
  • Total Net Loans
    60.8M -5.5 %
  • Net Income
    254000.0000 -56.7 %
  • Book Value
    15.0M 2.6 %
  • Book Value x2
    30.0M 2.6 %
  • Book Value x3
    45.0M 2.6 %
ROAA

.273

ROAE

2.259

Efficiency Ratio

88.347

Net Interest Margin

3.368

Balance Sheet Highlights
Financial Highlights First And Citizens Bank All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 122,486 828,641
Total Net Loans 60,785 582,259
Total Deposits 106,999 677,995
Total Equity 15,011 95,512
Profitability
Net Income 254 6,054
Return on Average Assets .273 .793
Return on Average Equity 2.259 6.953
Net Interest Margin 3.368 3.807
Efficiency Ratio 88.347 70.908
Noninterest Income/Revenue 9.137 17.017
Balance Sheet Ratios
Loan-to-Deposit 56.809 83.618
Securities/Assets .047 .136
Total Equity/Total Assets .123 .115
Tangible Equity/Tangible Assets .123 .105
Capital Adequacy
Tier 1 Common Capital 14,971 83,744
Tier 1 Capital 14,971 83,745
Tier 2 Capital 623 6,104
Total Capital 15,594 90,003
Total Risk Weighted Assets 49,406 628,658
Leverage Ratio 12.2 10.699
Common Equity Tier 1 Capital Ratio 30.3 14.765
Tier 1 Capital Ratio 30.3 14.791
Total Capital Ratio 31.56 15.981

Timeline for First And Citizens Bank

Summit Community Bank, Inc

First And Citizens Bank was acquired by Summit Community Bank, Inc 7 years

View Profile Oct 01 2016

Highland County Bankshares, Inc.

Highland County Bankshares, Inc. became a new parent organization for First And Citizens Bank.

View Profile Dec 18 1996

First And Citizens Bank

First And Citizens Bank was established 94 years ago and is currently headquartered in Monterey, VA.

Sep 01 1929
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Summit Community Bank, Inc Buyer 1,650,253 Acquisition Discontinued 10/1/2016
Relationships Role Relationship Start Relationship End
Highland County Bankshares, Inc. Parent 12/18/1996 9/30/2016
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