Citizens Bancshares Corporation (GA)  

(Public, OTCMKTS:CZBS)   Watch this stock  
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0.00 (0.00%)
Feb 23 - Close
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Currency in USD
Range     -
52 week 8.77 - 14.30
Open     -
Vol / Avg. 34.00/314.00
Mkt cap 27.04M
P/E 14.21
Div/yield 0.08/0.62
EPS 0.91
Shares 2.08M
Beta 0.00
Inst. own 7%

Key stats and ratios

Q3 (Sep '16) 2015
Net profit margin 12.93% 10.91%
Operating margin 17.09% 12.75%
EBITD margin - 18.89%
Return on average assets 0.53% 0.46%
Return on average equity 4.77% 4.15%
Employees 102 -
CDP Score - -


75 Piedmont Ave NE PO Box 4485
ATLANTA, GA 30303-2544
United States - Map
+1-404-6595959 (Phone)

Website links


Citizens Bancshares Corporation is a bank holding company. The Company provides a range of commercial banking to individual and corporate customers through its subsidiary, Citizens Trust Bank (the Bank). The primary focus of the Bank is the small business and commercial/service firms in the area plus individuals and households who reside in or commute to the area. The Bank engages in a range of lending activities, including consumer/installment loans, mortgage loans, home equity lines of credit, and construction loans and commercial loans. The Bank invests primarily in obligations of the United States, obligations guaranteed as to principal and interest by the United States, Government-sponsored enterprises securities, general obligation municipals and other taxable securities. The Bank offers a range of commercial and consumer deposit accounts, including non-interest bearing checking accounts, individual retirement accounts, time certificates of deposit and regular savings accounts.

Officers and directors

Ray M. Robinson Independent Chairman of the Board
Age: 69
Cynthia N. Day President, Chief Executive Officer of the Company and the Bank; Director
Age: 51
Samuel J. Cox Chief Financial Officer, Executive Vice President of the Company and the Bank
Age: 57
Frederick L. Daniels Executive Vice President, Chief Credit Officer
Age: 49
Robert L. Brown Jr. Independent Director
Age: 63
Stephen A. Elmore Sr. Independent Director
Age: 63
Charles David Moody Jr. Independent Director
Age: 58
H. Jerome Russell Independent Director
Age: 52
James E. Williams Independent Director
Age: 66