Vitals
  • Total Assets
    125.0M 9.6 %
  • Total Deposits
    112.2M 10.7 %
  • Total Net Loans
    75.1M 20.6 %
  • Net Income
    594000.0000 35.3 %
  • Book Value
    12.6M 1.6 %
  • Book Value x2
    25.3M 1.6 %
  • Book Value x3
    37.9M 1.6 %
ROAA

.49

ROAE

4.628

Efficiency Ratio

82.04

Net Interest Margin

3.496

Balance Sheet Highlights
Financial Highlights The Citizens Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 125,037 266,812
Total Net Loans 75,101 157,006
Total Deposits 112,230 227,200
Total Equity 12,639 30,855
Profitability
Net Income 594 2,603
Return on Average Assets .49 .91
Return on Average Equity 4.628 7.525
Net Interest Margin 3.496 3.872
Efficiency Ratio 82.04 69.238
Noninterest Income/Revenue 19.578 15.218
Balance Sheet Ratios
Loan-to-Deposit 66.917 65.031
Securities/Assets .208 .23
Total Equity/Total Assets .101 .116
Tangible Equity/Tangible Assets .101 .114
Capital Adequacy
Tier 1 Common Capital 12,427 30,655
Tier 1 Capital 12,427 30,655
Tier 2 Capital 869 1,864
Total Capital 13,296 32,526
Total Risk Weighted Assets 82,694 184,216
Leverage Ratio 9.93 11.829
Common Equity Tier 1 Capital Ratio 15.03 18.757
Tier 1 Capital Ratio 15.03 18.762
Total Capital Ratio 16.08 19.824

Timeline for The Citizens Bank

Citizens Mortgage And Loan Company, Inc., The

Citizens Mortgage And Loan Company, Inc., The became a new subsidiary organization for The Citizens Bank.

View Profile Dec 03 1993

Enterprise Capital Corporation, Inc.

Enterprise Capital Corporation, Inc. became a new parent organization for The Citizens Bank.

View Profile Feb 19 1979

The Citizens Bank

The Citizens Bank was established 78 years ago and is currently headquartered in Enterprise, AL.

Feb 05 1946
Relationships Role Relationship Start Relationship End
Enterprise Capital Corporation, Inc. Parent 2/19/1979
Citizens Mortgage And Loan Company, Inc., The Subsidary 12/3/1993 2/28/1995
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