The Citizens Bank of Swainsboro, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

The Citizens Bank of Swainsboro efficiently provides a wide range of quality banking services to its market area which includes Emanuel, Laurens and surrounding counties. The Citizens Bank of Swainsboro was chartered in November of 1900 making it the oldest existing financial institution in Emanuel County.

The Bank has occupied three locations since its inception. The first being at the corner of West Main and Green Streets, the second at the current City Hall Building and now at 121 North Main Street which was built in 1973. The Bank is owned by Swainsboro Bankshares, Inc. and as of June 30, 2012, has $143,082,310.00 in assets, $129,782,744.00 in deposits and $100,580,212.00 in loans.

The Citizens Bank of Swainsboro/Laurens County is a full service financial institution, offering a full line of banking services, including 24 Hour ATM services, Internet Banking (including Bill Pay), Telephone Banking, safe deposit boxes, various types of loan and deposit products, and debit card services.

Citizens Bank of Swainsboro
121 North Main Street
Swainsboro, GA 30401
Phone: (478) 237-7001

Citizens Bank of Laurens County
1210 Hillcrest Parkway
Dublin, GA 31021
Phone: (478) 272-7775