Vitals
  • Total Assets
    1.0B 5.3 %
  • Total Deposits
    761.6M 0.8 %
  • Total Net Loans
    390.1M -7.8 %
  • Net Income
    6.9M -10.5 %
  • Book Value
    83.0M -0.9 %
  • Book Value x2
    166.0M -0.9 %
  • Book Value x3
    249.0M -0.9 %
ROAA

.698

ROAE

7.967

Efficiency Ratio

71.67

Net Interest Margin

3.13

Balance Sheet Highlights
Financial Highlights The Citizens Bank Of Philadelphia, Mississippi All Insured Commercial Banks in Mississippi
Balance Sheet $(000)
Total Assets 1,024,898 525,484
Total Net Loans 390,148 348,104
Total Deposits 761,597 440,088
Total Equity 82,996 60,485
Profitability
Net Income 6,949 5,177
Return on Average Assets .698 .911
Return on Average Equity 7.967 8.357
Net Interest Margin 3.13 3.971
Efficiency Ratio 71.67 70.327
Noninterest Income/Revenue 19.116 22.171
Balance Sheet Ratios
Loan-to-Deposit 51.228 71.665
Securities/Assets .484 .197
Total Equity/Total Assets .081 .115
Tangible Equity/Tangible Assets .078 .102
Capital Adequacy
Tier 1 Common Capital 90,565 52,498
Tier 1 Capital 90,565 52,598
Tier 2 Capital 3,903 3,510
Total Capital 94,468 56,103
Total Risk Weighted Assets 516,707 380,206
Leverage Ratio 9.02 10.71
Common Equity Tier 1 Capital Ratio 17.53 16.284
Tier 1 Capital Ratio 17.53 16.342
Total Capital Ratio 18.28 17.377

Timeline for The Citizens Bank Of Philadelphia, Mississippi

Citizens Bank And Trust Company

Acquisition: The Citizens Bank Of Philadelphia, Mississippi acquired a new subsidiary, Citizens Bank And Trust Company, 22 years

View Profile May 18 2002

Security Federal Savings And Loan Association

Acquisition: The Citizens Bank Of Philadelphia, Mississippi acquired a new subsidiary, Security Federal Savings And Loan Association, 30 years

View Profile Apr 16 1994

Bank Of Central Mississippi

Acquisition: The Citizens Bank Of Philadelphia, Mississippi acquired a new subsidiary, Bank Of Central Mississippi, 38 years

View Profile Dec 01 1985

Citizens Holding Company

Citizens Holding Company became a new parent organization for The Citizens Bank Of Philadelphia, Mississippi.

View Profile Jun 28 1982

The Citizens Bank Of Philadelphia, Mississippi

The Citizens Bank Of Philadelphia, Mississippi was established 116 years ago and is currently headquartered in Philadelphia, MS.

Jan 01 1908
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens Bank And Trust Company Seller 71,508 Acquisition Discontinued 5/18/2002
Security Federal Savings And Loan Association Seller 162,511 Failure 4/16/1994
Bank Of Central Mississippi Seller 25,166 Discontinued 12/1/1985
Relationships Role Relationship Start Relationship End
Citizens Holding Company Parent 1/2/2007
Citizens Holding Company Parent 12/13/2001 1/1/2007
Citizens Holding Company Parent 12/31/1983 12/12/2001
Citizens Holding Company Parent 6/28/1982 12/30/1983
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