Vitals
  • Total Assets
    100.1M 1.1 %
  • Total Deposits
    83.7M 2.2 %
  • Total Net Loans
    45.0M -3.0 %
  • Net Income
    852000.0000 -29.1 %
  • Book Value
    11.9M -5.1 %
  • Book Value x2
    23.8M -5.1 %
  • Book Value x3
    35.6M -5.1 %
ROAA

.844

ROAE

6.643

Efficiency Ratio

46.064

Net Interest Margin

3.444

Balance Sheet Highlights
Financial Highlights The Citizens Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 100,116 266,812
Total Net Loans 44,952 157,006
Total Deposits 83,656 227,200
Total Equity 11,883 30,855
Profitability
Net Income 852 2,603
Return on Average Assets .844 .91
Return on Average Equity 6.643 7.525
Net Interest Margin 3.444 3.872
Efficiency Ratio 46.064 69.238
Noninterest Income/Revenue 4.93 15.218
Balance Sheet Ratios
Loan-to-Deposit 53.734 65.031
Securities/Assets .45 .23
Total Equity/Total Assets .119 .116
Tangible Equity/Tangible Assets .119 .114
Capital Adequacy
Tier 1 Common Capital 12,244 30,655
Tier 1 Capital 12,244 30,655
Tier 2 Capital 680 1,864
Total Capital 12,924 32,526
Total Risk Weighted Assets 54,244 184,216
Leverage Ratio 12.12 11.829
Common Equity Tier 1 Capital Ratio 22.57 18.757
Tier 1 Capital Ratio 22.57 18.762
Total Capital Ratio 23.83 19.824

Timeline for The Citizens Bank

Citizens Bancshares, Inc.

Citizens Bancshares, Inc. became a new parent organization for The Citizens Bank.

View Profile Jun 18 1984

The Citizens Bank

The Citizens Bank was established 47 years ago and is currently headquartered in Greensboro, AL.

Nov 01 1976
Relationships Role Relationship Start Relationship End
Citizens Bancshares, Inc. Parent 6/18/1984
Similar Organizations
Organization City State Total Assets
New Jersey Community Bank
 		Freehold NJ 101.9M
Merit Bank
 		Overland Park KS 102.1M
Oklahoma Heritage Bank
 		Roff OK 100.8M
First Central Bank
 		Cambridge NE 100.7M
Pioneer State Bank
 		Earlville IL 102.7M
American Founders Bank, Inc.
 		Louisville KY 99.9M
Williamsville State Bank & Trust
 		Williamsville IL 103.4M
The Citizens State Bank Of Ouray
 		Ouray CO 99.5M
The Tri-County Bank
 		Stuart NE 103.8M
Farmers State Bank
 		Algona IA 104.0M