Vitals
  • Total Assets
    63.1M 33.2 %
  • Total Deposits
    56.7M 37.1 %
  • Total Net Loans
    27.0M 13.8 %
  • Net Income
    136000.0000 109.2 %
  • Book Value
    6.0M 5.3 %
  • Book Value x2
    12.0M 5.3 %
  • Book Value x3
    18.0M 5.3 %
ROAA

.329

ROAE

3.071

Efficiency Ratio

90.43

Net Interest Margin

3.82

Balance Sheet Highlights
Financial Highlights The Citizens State Bank Of Taylor County All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 63,058 247,607
Total Net Loans 27,042 156,011
Total Deposits 56,660 212,199
Total Equity 6,003 27,648
Profitability
Net Income 136 2,180
Return on Average Assets .329 1.008
Return on Average Equity 3.071 9.016
Net Interest Margin 3.82 4.028
Efficiency Ratio 90.43 71.784
Noninterest Income/Revenue 7.874 19.036
Balance Sheet Ratios
Loan-to-Deposit 47.727 72.795
Securities/Assets .245 .165
Total Equity/Total Assets .095 .112
Tangible Equity/Tangible Assets .095 .11
Capital Adequacy
Tier 1 Common Capital 5,721 25,721
Tier 1 Capital 5,721 25,796
Tier 2 Capital 368 1,898
Total Capital 6,089 27,748
Total Risk Weighted Assets 32,238 168,792
Leverage Ratio 9.76 10.74
Common Equity Tier 1 Capital Ratio 17.75 16.222
Tier 1 Capital Ratio 17.75 16.316
Total Capital Ratio 18.89 17.473

Timeline for The Citizens State Bank Of Taylor County

Commercial State Bank

Acquisition: The Citizens State Bank Of Taylor County acquired a new subsidiary, Commercial State Bank, 25 years

View Profile Jan 01 1999

Bank Of Terrell

Acquisition: The Citizens State Bank Of Taylor County acquired a new subsidiary, Bank Of Terrell, 25 years

View Profile Jan 01 1999

Georgia Community Bancorp, Incorporated

Georgia Community Bancorp, Incorporated became a new parent organization for The Citizens State Bank Of Taylor County.

View Profile Nov 28 1984

The Citizens State Bank Of Taylor County

The Citizens State Bank Of Taylor County was established 101 years ago and is currently headquartered in Reynolds, GA.

Sep 08 1922
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Commercial State Bank Seller 67,402 Pooling of Interests Discontinued 1/1/1999
Bank Of Terrell Seller 84,977 Pooling of Interests Discontinued 1/1/1999
Relationships Role Relationship Start Relationship End
Georgia Community Bancorp, Incorporated Parent 1/1/1999
Georgia Community Bancorp, Incorporated Parent 11/21/1985 12/31/1998
Georgia Community Bancorp, Incorporated Parent 11/28/1984 11/20/1985
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