Vitals
  • Total Assets
    100.7M -5.1 %
  • Total Deposits
    84.4M -5.7 %
  • Total Net Loans
    41.3M -1.9 %
  • Net Income
    662000.0000 -1.8 %
  • Book Value
    15.6M 3.1 %
  • Book Value x2
    31.2M 3.1 %
  • Book Value x3
    46.9M 3.1 %
ROAA

.816

ROAE

5.764

Efficiency Ratio

72.132

Net Interest Margin

3.945

Balance Sheet Highlights
Financial Highlights The Citizens Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 100,667 211,591
Total Net Loans 41,304 146,959
Total Deposits 84,439 169,649
Total Equity 15,621 21,286
Profitability
Net Income 662 9,972
Return on Average Assets .816 1.045
Return on Average Equity 5.764 10.084
Net Interest Margin 3.945 3.833
Efficiency Ratio 72.132 69.842
Noninterest Income/Revenue 12.306 11.292
Balance Sheet Ratios
Loan-to-Deposit 48.916 77.099
Securities/Assets .336 .364
Total Equity/Total Assets .155 .101
Tangible Equity/Tangible Assets .155 -7.451
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 15,983 21,165
Tier 2 Capital 639 1,820
Total Capital 16,622 22,863
Total Risk Weighted Assets 51,140 159,609
Leverage Ratio 15.56 10.892
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 31.25 15.93
Total Capital Ratio 32.5 16.961

Timeline for The Citizens Bank

Bank Independent

The Citizens Bank was acquired by Bank Independent 15 years

View Profile Dec 06 2008

Citizens Bancorp Of Lawrence

Citizens Bancorp Of Lawrence became a new parent organization for The Citizens Bank.

View Profile Jun 30 1986

The Citizens Bank

The Citizens Bank was established 112 years ago and is currently headquartered in Moulton, AL.

Jan 01 1912
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Independent Buyer 1,284,863 Acquisition Discontinued 12/6/2008
Relationships Role Relationship Start Relationship End
Citizens Bancorp Of Lawrence Parent 6/30/1986 12/5/2008
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