Vitals
  • Total Assets
    255.1M -0.8 %
  • Total Deposits
    221.6M -1.5 %
  • Total Net Loans
    155.3M 0.3 %
  • Net Income
    2.5M -2.1 %
  • Book Value
    32.3M 4.0 %
  • Book Value x2
    64.7M 4.0 %
  • Book Value x3
    97.0M 4.0 %
ROAA

.998

ROAE

8.131

Efficiency Ratio

69.795

Net Interest Margin

3.763

Balance Sheet Highlights
Financial Highlights The Citizens Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 255,071 256,123
Total Net Loans 155,312 160,108
Total Deposits 221,639 221,413
Total Equity 32,339 27,434
Profitability
Net Income 2,547 2,812
Return on Average Assets .998 .99
Return on Average Equity 8.131 8.811
Net Interest Margin 3.763 4.031
Efficiency Ratio 69.795 72.067
Noninterest Income/Revenue 9.686 19.316
Balance Sheet Ratios
Loan-to-Deposit 70.074 70.662
Securities/Assets .147 .165
Total Equity/Total Assets .127 .107
Tangible Equity/Tangible Assets .127 .105
Capital Adequacy
Tier 1 Common Capital 32,339 26,376
Tier 1 Capital 32,339 26,452
Tier 2 Capital 1,908 1,919
Total Capital 34,247 28,453
Total Risk Weighted Assets 151,836 174,280
Leverage Ratio 12.64 10.62
Common Equity Tier 1 Capital Ratio 21.3 16.191
Tier 1 Capital Ratio 21.3 16.286
Total Capital Ratio 22.56 17.433

Timeline for The Citizens Bank

Adel Banking Company

Acquisition: The Citizens Bank acquired a new subsidiary, Adel Banking Company, 18 years

View Profile Oct 05 2005

Nashville Holding Company, The

Nashville Holding Company, The became a new parent organization for The Citizens Bank.

View Profile Aug 19 1985

Ray City Branch

Acquisition: The Citizens Bank acquired a new subsidiary, Ray City Branch , 50 years

View Profile Jun 13 1973

The Citizens Bank

The Citizens Bank was established 82 years ago and is currently headquartered in Nashville, GA.

Nov 05 1941
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Adel Banking Company Seller 81,204 Pooling of Interests Discontinued 10/5/2005
Ray City Branch Seller Discontinued 6/13/1973
Relationships Role Relationship Start Relationship End
Nashville Holding Company, The Parent 8/19/1985
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