Vitals
  • Total Assets
    719.7M -1.5 %
  • Total Deposits
    583.3M -1.6 %
  • Total Net Loans
    217.9M 1.9 %
  • Net Income
    10.5M -9.7 %
  • Book Value
    68.2M -2.2 %
  • Book Value x2
    136.3M -2.2 %
  • Book Value x3
    204.5M -2.2 %
ROAA

1.45

ROAE

14.891

Efficiency Ratio

53.876

Net Interest Margin

3.103

Balance Sheet Highlights
Financial Highlights The Citizens Bank All Insured Commercial Banks in New Mexico
Balance Sheet $(000)
Total Assets 719,690 339,861
Total Net Loans 217,941 173,600
Total Deposits 583,336 292,057
Total Equity 68,158 32,782
Profitability
Net Income 10,451 4,263
Return on Average Assets 1.45 1.173
Return on Average Equity 14.891 11.107
Net Interest Margin 3.103 3.853
Efficiency Ratio 53.876 66.802
Noninterest Income/Revenue 18.312 16.429
Balance Sheet Ratios
Loan-to-Deposit 37.361 55.841
Securities/Assets .607 .309
Total Equity/Total Assets .095 .096
Tangible Equity/Tangible Assets .095 .094
Capital Adequacy
Tier 1 Common Capital 68,789 32,911
Tier 1 Capital 68,789 32,911
Tier 2 Capital 3,718 2,368
Total Capital 72,507 35,303
Total Risk Weighted Assets 297,333 207,548
Leverage Ratio 9.53 10.492
Common Equity Tier 1 Capital Ratio 23.14 19.329
Tier 1 Capital Ratio 23.14 19.329
Total Capital Ratio 24.39 20.505

Timeline for The Citizens Bank

Citizens Bankshares, Inc.

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

View Profile Jan 31 1979

Pierce Agency, Inc.

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

View Profile Dec 31 1970

The Citizens Bank

The Citizens Bank was established 119 years ago and is currently headquartered in Farmington, NM.

Jan 01 1905
Relationships Role Relationship Start Relationship End
Citizens Bankshares, Inc. Parent 12/31/1989
Citizens Bankshares, Inc. Parent 12/31/1984 12/30/1989
Citizens Bankshares, Inc. Parent 12/31/1983 12/30/1984
Citizens Bankshares, Inc. Parent 1/31/1979 12/30/1983
Pierce Agency, Inc. Parent 12/31/1970 1/30/1979
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