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This institution is no longer active

Operations ceased on May 17, 2002. CRA examination history below reflects the period it was active.

CITIZENS BANK AND TRUST COMPANY

LOUISVILLE, MS · Supervised by FDIC

Est. 1947FDIC #16,536RSSD: FDIC-16536
Part ofCB&T CAPITAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.28%

Institution Profile

FDIC BankFind

Address

100 East Main Street, LOUISVILLE, MS

County

Winston County

Established

January 27, 1947

Total Assets

$72M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 Q1 2002Call Report / FDIC

Total Assets

$72M

Total Deposits

$58M

Net Loans

$16M

Net Income

$50K

ROA

0.28%

ROE

2.38%

Risk-Based Capital

32.12%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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