This institution is no longer active

Operations ceased on September 1, 2007. CRA examination history below reflects the period it was active.

CITIZENS BANK

WILMINGTON, DE · Supervised by FDIC

Est. 2001FDIC #57,281RSSD: FDIC-57281

Part ofROYAL BK SCOTLAND GROUP PLC→ View all charters

Outstanding

Current rating · Exam: June 2004

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

919 North Market Street, Suite 200, WILMINGTON, DE

County

New Castle County

Established

December 1, 2001

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2004

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2007Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.2B

Net Loans

$1.0B

Net Income

$9M

ROA

1.17%

ROE

10.81%

Risk-Based Capital

13.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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