Vitals
  • Total Assets
    180.6M 9.3 %
  • Total Deposits
    156.5M 6.7 %
  • Total Net Loans
    128.3M 14.8 %
  • Net Income
    1.7M 14.8 %
  • Book Value
    18.1M 7.3 %
  • Book Value x2
    36.2M 7.3 %
  • Book Value x3
    54.4M 7.3 %
ROAA

.991

ROAE

9.377

Efficiency Ratio

64.293

Net Interest Margin

4.755

Balance Sheet Highlights
Financial Highlights The Citizens Bank Of Swainsboro All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 180,557 256,123
Total Net Loans 128,316 160,108
Total Deposits 156,462 221,413
Total Equity 18,118 27,434
Profitability
Net Income 1,653 2,812
Return on Average Assets .991 .99
Return on Average Equity 9.377 8.811
Net Interest Margin 4.755 4.031
Efficiency Ratio 64.293 72.067
Noninterest Income/Revenue 15.077 19.316
Balance Sheet Ratios
Loan-to-Deposit 82.011 70.662
Securities/Assets .127 .165
Total Equity/Total Assets .1 .107
Tangible Equity/Tangible Assets .1 .105
Capital Adequacy
Tier 1 Common Capital 18,307 26,376
Tier 1 Capital 18,307 26,452
Tier 2 Capital 1,551 1,919
Total Capital 19,858 28,453
Total Risk Weighted Assets 122,450 174,280
Leverage Ratio 10.58 10.62
Common Equity Tier 1 Capital Ratio 14.95 16.191
Tier 1 Capital Ratio 14.95 16.286
Total Capital Ratio 16.22 17.433

Timeline for The Citizens Bank Of Swainsboro

Cbs Insurance Services, Inc.

Cbs Insurance Services, Inc. became a new subsidiary organization for The Citizens Bank Of Swainsboro.

View Profile Aug 01 2000

Swainsboro Bankshares, Inc.

Swainsboro Bankshares, Inc. became a new parent organization for The Citizens Bank Of Swainsboro.

View Profile Jul 10 1992

Bmr Financial Group, Inc.

Bmr Financial Group, Inc. became a new parent organization for The Citizens Bank Of Swainsboro.

View Profile Dec 29 1986

The Citizens Bank Of Swainsboro

The Citizens Bank Of Swainsboro was established 124 years ago and is currently headquartered in Swainsboro, GA.

Jan 01 1900
Relationships Role Relationship Start Relationship End
Swainsboro Bankshares, Inc. Parent 7/10/1992
Bmr Financial Group, Inc. Parent 12/29/1986 7/9/1992
Cbs Insurance Services, Inc. Subsidary 6/30/2007
Cbs Insurance Services, Inc. Subsidary 8/1/2000 6/29/2007
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