Vitals
  • Total Assets
    1.5B 7.4 %
  • Total Deposits
    1.2B 8.5 %
  • Total Net Loans
    1.1B 3.9 %
  • Net Income
    11.2M 10.8 %
  • Book Value
    168.1M 8.9 %
  • Book Value x2
    336.3M 8.9 %
  • Book Value x3
    504.4M 8.9 %
ROAA

1.53

ROAE

13.657

Efficiency Ratio

46.108

Net Interest Margin

3.896

Balance Sheet Highlights
Financial Highlights The Citizens National Bank All Insured Commercial Banks in Maryland
Balance Sheet $(000)
Total Assets 1,481,316 486,679
Total Net Loans 1,110,711 386,356
Total Deposits 1,166,799 380,946
Total Equity 168,140 54,214
Profitability
Net Income 11,174 5,081
Return on Average Assets 1.53 1.251
Return on Average Equity 13.657 12.118
Net Interest Margin 3.896 4.23
Efficiency Ratio 46.108 66.598
Noninterest Income/Revenue 9.152 13.202
Balance Sheet Ratios
Loan-to-Deposit 95.193 91.283
Securities/Assets .087 .316
Total Equity/Total Assets .114 .111
Tangible Equity/Tangible Assets .079 -.041
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 120,457 43,464
Tier 2 Capital 47,122 8,781
Total Capital 167,579 51,591
Total Risk Weighted Assets 1,225,845 373,589
Leverage Ratio 8.5 10.128
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.83 12.736
Total Capital Ratio 13.67 14.264

Timeline for The Citizens National Bank

Pnc Bank, National Association

The Citizens National Bank was acquired by Pnc Bank, National Association 16 years

View Profile Sep 15 2007

Pnc Financial Services Group, Inc., The

Pnc Financial Services Group, Inc., The became a new parent organization for The Citizens National Bank.

View Profile Mar 02 2007

Cnb Realty Holdings, Inc.

Cnb Realty Holdings, Inc. became a new subsidiary organization for The Citizens National Bank.

View Profile May 31 1996

C N B Holdings & Investments, Inc.

C N B Holdings & Investments, Inc. became a new subsidiary organization for The Citizens National Bank.

View Profile Jun 01 1994

Belair National Bank

Acquisition: The Citizens National Bank acquired a new subsidiary, Belair National Bank, 47 years

View Profile Jan 03 1977

Want to see more?

Complete timeline for The Citizens National Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Pnc Bank, National Association Buyer 43,244,081 Pooling of Interests Discontinued 9/15/2007
Belair National Bank Seller 21,389 Discontinued 1/3/1977
Central Bank Of Howard County Seller Discontinued 4/1/1965
Relationships Role Relationship Start Relationship End
Pnc Financial Services Group, Inc., The Parent 3/2/2007 9/14/2007
Mercantile Bankshares Corporation Parent 12/31/1977 3/1/2007
Mercantile Bankshares Corporation Parent 6/20/1973 12/30/1977
C N B Holdings & Investments, Inc. Subsidary 6/1/1994 8/24/2007
Cnb Realty Holdings, Inc. Subsidary 5/31/1996 8/31/2001
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