CITIZENS BANCSHARES CORP /GA/
10QSB, EX-27, 2000-11-15
STATE COMMERCIAL BANKS
Previous: CITIZENS BANCSHARES CORP /GA/, 10QSB, 2000-11-15
Next: EXIDE CORP, 10-Q, 2000-11-15



<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          11,914
<INT-BEARING-DEPOSITS>                           7,958
<FED-FUNDS-SOLD>                                    30
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     48,807
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                             6,119
<LOANS>                                        167,028
<ALLOWANCE>                                      2,251
<TOTAL-ASSETS>                                 260,044
<DEPOSITS>                                     223,414
<SHORT-TERM>                                    11,496
<LIABILITIES-OTHER>                              3,923
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                         2,320
<OTHER-SE>                                      18,891
<TOTAL-LIABILITIES-AND-EQUITY>                 260,044
<INTEREST-LOAN>                                  3,973
<INTEREST-INVEST>                                  897
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 4,870
<INTEREST-DEPOSIT>                               1,762
<INTEREST-EXPENSE>                               2,037
<INTEREST-INCOME-NET>                            2,743
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,011
<INCOME-PRETAX>                                    709
<INCOME-PRE-EXTRAORDINARY>                         709
<EXTRAORDINARY>                                    638
<CHANGES>                                            0
<NET-INCOME>                                     1,147
<EPS-BASIC>                                        .23
<EPS-DILUTED>                                      .23
<YIELD-ACTUAL>                                     .87
<LOANS-NON>                                      1,894
<LOANS-PAST>                                        11
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,772
<ALLOWANCE-OPEN>                                 1,612
<CHARGE-OFFS>                                    1,655
<RECOVERIES>                                       654
<ALLOWANCE-CLOSE>                                2,251
<ALLOWANCE-DOMESTIC>                             2,251
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission