Vitals
  • Total Assets
    105.7M 3.3 %
  • Total Deposits
    85.1M 2.0 %
  • Total Net Loans
    33.9M -4.6 %
  • Net Income
    708000.0000 4.0 %
  • Book Value
    18.5M 8.6 %
  • Book Value x2
    37.1M 8.6 %
  • Book Value x3
    55.6M 8.6 %
ROAA

.87

ROAE

5.294

Efficiency Ratio

65.325

Net Interest Margin

3.359

Balance Sheet Highlights
Financial Highlights The Merchants & Citizens Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 105,702 247,607
Total Net Loans 33,904 156,011
Total Deposits 85,132 212,199
Total Equity 18,545 27,648
Profitability
Net Income 708 2,180
Return on Average Assets .87 1.008
Return on Average Equity 5.294 9.016
Net Interest Margin 3.359 4.028
Efficiency Ratio 65.325 71.784
Noninterest Income/Revenue 16.143 19.036
Balance Sheet Ratios
Loan-to-Deposit 39.825 72.795
Securities/Assets .518 .165
Total Equity/Total Assets .175 .112
Tangible Equity/Tangible Assets .148 .11
Capital Adequacy
Tier 1 Common Capital 15,203 25,721
Tier 1 Capital 15,203 25,796
Tier 2 Capital 595 1,898
Total Capital 15,798 27,748
Total Risk Weighted Assets 47,213 168,792
Leverage Ratio 14.54 10.74
Common Equity Tier 1 Capital Ratio 32.2 16.222
Tier 1 Capital Ratio 32.2 16.316
Total Capital Ratio 33.46 17.473

Timeline for The Merchants & Citizens Bank

The Merchants & Citizens Bank

The Merchants & Citizens Bank was established 95 years ago and is currently headquartered in Mcrae, GA.

Feb 23 1929
Relationships Role Relationship Start Relationship End
Similar Organizations
Organization City State Total Assets
Bank Of Prairie Village
 		Prairie Village KS 105.8M
Whitesville State Bank
 		Whitesville WV 105.8M
Peoples State Bank
 		Shepherd TX 105.9M
De Witt Bank And Trust Company
 		De Witt AR 106.2M
Civis Bank
 		Rogersville TN 106.3M
United Citizens Bank & Trust Company
 		Campbellsburg KY 106.4M
Holmes County Bank & Trust Company
 		Lexington MS 106.7M
Redstone Bank
 		Centennial CO 104.5M
Community Pride Bank
 		Isanti MN 107.0M
Farmers State Bank
 		Algona IA 104.0M