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Profile - Citizens Bancshares Corp. (OTC BB:CZBS.OB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Insider
Location
175 John Wessley Dobbs Avenue
Atlanta, GA 30303
Phone: (404) 659-5959
Fax: (404) 659-6424
Employees (last reported count): 158
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 31%
·Over the last 6 months:
 · one insider buy; 0  shares
·Institutional: 1% (1% of float)
(one institution)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Citizens Bancshares Corp. is a financial holding company that operates Citizens Trust Bank (the Bank) and Citizens Trust Bank Mortgage Services, Inc. (Mortgage Services). The Bank operates thirteen branch offices located in Atlanta, Lithonia, Decatur, Stone Mountain and Columbus, Georgia. The Bank conducts a general commercial banking business that serves Fulton, DeKalb and Muscogee Counties, acts as an issuing agent for U.S. savings bonds, traveler's checks and cashiers checks, and offers collection teller services. The Bank has no subsidiaries. Mortgage Services is a mortgage company licensed by the State of Georgia and has received lender approval from the Department of Housing and Urban Development, FHA, Fannie Mae and the Veterans Administration.
More from Market Guide: Expanded Business Description

Financial Summary
CZBS is a holding company that provides commercial banking and mortgage brokerage services to individual and corporate customers in Atlanta, GA. For the six months ended 6/30/01, interest income rose 7% to $9.8 million. Net interest income after loan loss prov. fell 14% to $4.7 million. Net income fell 14% to $1.2 million. Net interest income reflects growth in loan volume, offset by higher loan loss provision. Net income reflects an increase in salaries and employee benefits.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY1999 Pay

Herman Russell, 69
Chairman
--  
James Young, 50
Pres, CEO, Director
$188K
Gregory Baranco, 51
Vice Chairman
--  
Samuel Cox, 42
CFO, Sr. VP
--  
Williard Lewis, 39
COO, Sr. Exec. VP, Sec.
129K
Dollar amounts are as of 31-Dec-1999 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:CZBS.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 29-Sep-2000
$4.50 
Recent Price$8.25 
52-Week High
on 26-June-2001
$9.00 
Beta-0.34 
Daily Volume (3-month avg)1,227 
Daily Volume (10-day avg)4,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+37.5%
52-Week Change
relative to S&P500
+84.5%
Share-Related Items
Market Capitalization$18.0M
Shares Outstanding2.18M
Float1.50M
Dividends & Splits
Annual Dividend (indicated)$0.17 
Dividend Yield2.06%
Last Splitnone 
Per-Share Data
Book Value (mrq)$10.34 
Earnings (ttm)$0.86 
Earnings (mrq)$0.22 
Sales (ttm)$8.98 
Cash (mrq)$4.51 
Valuation Ratios
Price/Book (mrq)0.80 
Price/Earnings (ttm)9.55 
Price/Sales (ttm)0.92 
Income Statements
Sales (ttm)$19.8M
EBITDAN/A 
Income available to common (ttm)$1.90M
Profitability
Profit Margin (ttm)9.6%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.73%
Return on Equity (ttm)8.78%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$9.83M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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