Vitals
  • Total Assets
    135.2M 2.7 %
  • Total Deposits
    106.5M -0.1 %
  • Total Net Loans
    99.3M 8.7 %
  • Net Income
    890000.0000 6.3 %
  • Book Value
    12.4M 0.4 %
  • Book Value x2
    24.9M 0.4 %
  • Book Value x3
    37.3M 0.4 %
ROAA

.676

ROAE

7.066

Efficiency Ratio

82.739

Net Interest Margin

4.145

Balance Sheet Highlights
Financial Highlights The Citizens Bank All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 135,250 275,102
Total Net Loans 99,258 177,820
Total Deposits 106,547 227,063
Total Equity 12,448 30,287
Profitability
Net Income 890 2,592
Return on Average Assets .676 .944
Return on Average Equity 7.066 8.074
Net Interest Margin 4.145 3.847
Efficiency Ratio 82.739 70.925
Noninterest Income/Revenue 14.754 17.219
Balance Sheet Ratios
Loan-to-Deposit 93.159 76.952
Securities/Assets .127 .219
Total Equity/Total Assets .092 .11
Tangible Equity/Tangible Assets .076 .107
Capital Adequacy
Tier 1 Common Capital 10,683 29,354
Tier 1 Capital 10,683 29,354
Tier 2 Capital 706 2,092
Total Capital 11,389 31,454
Total Risk Weighted Assets 82,748 190,479
Leverage Ratio 8.07 11.285
Common Equity Tier 1 Capital Ratio 12.91 17.115
Tier 1 Capital Ratio 12.91 17.115
Total Capital Ratio 13.76 18.174

Timeline for The Citizens Bank

Diamond Finance Company

Diamond Finance Company became a new subsidiary organization for The Citizens Bank.

View Profile Mar 14 2000

Citizens Bancorp Of Morehead Incorporated, The

Citizens Bancorp Of Morehead Incorporated, The became a new parent organization for The Citizens Bank.

View Profile Aug 01 1984

The Citizens Bank

The Citizens Bank was established 96 years ago and is currently headquartered in Morehead, KY.

Sep 28 1928
Relationships Role Relationship Start Relationship End
Citizens Bancorp Of Morehead Incorporated, The Parent 8/1/1984
Diamond Finance Company Subsidary 6/30/2007 11/6/2013
Diamond Finance Company Subsidary 3/14/2000 6/29/2007
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