Citizens Bank and Trust Company

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Deposit Rates - May 8, 2021

SAVINGS RATES APY MIN MAX
Savings
0.20% $1 - Compare
CD RATES APY MIN MAX
6 Mo CD
0.20% $1,000 - Compare
12 Mo CD
0.25% $1,000 - Compare
18 Mo CD
0.25% $1,000 - Compare
24 Mo CD
0.30% $1,000 - Compare
30 Mo CD
0.30% $1,000 - Compare
Special: 36 Mo CD
0.50% $500 - Compare
36 Mo CD
0.35% $1,000 - Compare
48 Mo CD
0.40% $1,000 - Compare
60 Mo CD
0.75% $1,000 - Compare
MM RATES APY MIN MAX
Money Market
0.15% $2,500 $9,999 Compare
Money Market
0.15% $10,000 $24,999 Compare
Money Market
0.20% $25,000 $49,999 Compare
INT CHECKING RATES APY MIN MAX
Int Ckg
0.05% $1 -

Overview 2021

General Bank Information

FDIC Insured Yes
FDIC Certificate # 823
Date Established 1873
Assets $ 492.86 million
Loans $ 231.85 million
Deposits $ 419.83 million
Capital $ 57.91 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 14.55 million
Interest-bearing balances $ 7.15 million
Total securities $ 175.94 million
Federal funds sold and reverse repurchase $ 42.34 million
Net loans and leases $ 231.85 million
Loan loss allowance $ 3.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.96 million
Goodwill and other intangibles N.A.
All other assets $ 16.28 million
     Total Assets $ 434.95 million

LIABILITIES
Total deposits $ 419.83 million
      Interest-bearing deposits $ 319.43 million
      Deposits held in domestic offices $ 419.83 million
      % insured (estimated) 79.05%
Federal funds purchased and repurchase agreements $ 11.89 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 3.23 millionn
      Total Liabilities $ 434.95 million
      Shareholders’ Equity $ 57.91 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 15.51 million
Total Interest Expense $ 1.62 million
Net interest income $ 13.89 million
Provision for loan and lease losses $ 0.40 million
Total non interest income $ 3.53 million
Total non interest expense $ 10.33 million
Pre-tax Net Operating Income $ 6.69 million

Citizens Bank and Trust Company is an FDIC insured institution headquartered at 126 South Main Street, Blackstone, VA 23824.
It was founded in 1873 and has approximately $0 billion in assets. Customers can open an account at one of its 11 branches.