CITIZENS BANCSHARES CORPORATION Financial Reports

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CITIZENS BANCSHARES CORPORATION

Institution Profile

Year Opened :

1973

Institution Type :

Holding Company

Reserve District :

Atlanta

Federal Regulator :

FED

Entity Type :

Financial Holding Company - Domestic

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

External Auditor :

Elliott Davis LLC

Related Bank / Thrift	Assets	Asset Concentration
Citizens Trust Bank	769,635	Commercial Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	186,303	Total Operating Income	6,172
Total Liabilities	37	Total Operating Expenses	1,085
Total Equity Capital	186,266	Equity in Undistributed Income	7,540
		Net income (loss)	12,877

Miscellaneous
Cash Dividends Declared by Bank Holding Company	3,056
Total Consolidated Assets of Bank Holding Company	799,902

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury