Vitals
  • Total Assets
    388.0M 1.7 %
  • Total Deposits
    318.7M 0.9 %
  • Total Net Loans
    242.0M 10.5 %
  • Net Income
    5.0M 5.9 %
  • Book Value
    38.3M -1.3 %
  • Book Value x2
    76.6M -1.3 %
  • Book Value x3
    115.0M -1.3 %
ROAA

1.303

ROAE

12.709

Efficiency Ratio

67.234

Net Interest Margin

3.747

Balance Sheet Highlights
Financial Highlights The Citizens National Bank Of Somerset All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 387,951 275,102
Total Net Loans 241,956 177,820
Total Deposits 318,728 227,063
Total Equity 38,317 30,287
Profitability
Net Income 5,031 2,592
Return on Average Assets 1.303 .944
Return on Average Equity 12.709 8.074
Net Interest Margin 3.747 3.847
Efficiency Ratio 67.234 70.925
Noninterest Income/Revenue 20.312 17.219
Balance Sheet Ratios
Loan-to-Deposit 75.913 76.952
Securities/Assets .311 .219
Total Equity/Total Assets .099 .11
Tangible Equity/Tangible Assets .099 .107
Capital Adequacy
Tier 1 Common Capital 42,300 29,354
Tier 1 Capital 42,300 29,354
Tier 2 Capital 2,915 2,092
Total Capital 45,215 31,454
Total Risk Weighted Assets 232,863 190,479
Leverage Ratio 10.8 11.285
Common Equity Tier 1 Capital Ratio 18.17 17.115
Tier 1 Capital Ratio 18.17 17.115
Total Capital Ratio 19.42 18.174

Timeline for The Citizens National Bank Of Somerset

Citizens Bancshares, Inc.

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

View Profile Nov 16 1978

The Citizens National Bank Of Somerset

The Citizens National Bank Of Somerset was established 105 years ago and is currently headquartered in Somerset, KY.

Jan 01 1919
Relationships Role Relationship Start Relationship End
Citizens Bancshares, Inc. Parent 11/16/1987
Citizens Bancshares, Inc. Parent 11/16/1978 11/15/1987
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