Citizen's Bancshares Corp.

President and CEO Cynthia N. Day

After being groomed to assume the helm, Cynthia Day is ready to navigate Citizens Bancshares Corp. into the future. Day was named president and CEO of the Atlanta-based bank holding company and its main subsidlary, Citizens Trust Bank in February. With assets of $397.2 million in 2011, Citizens Trust ranks on the BE BANKS list.

Day, 47, became the bank's skipper after the death of James E. Young, the bank's president and CEO since 1998. Day started working with Young to succeed him in 2005 when she became executive vice president of management services. Under Young's guidance. she worked on all aspects of the bank including new product development and an acquisition 11 branches throughout metro Atlanta and Columbus, Georgia, as well as Birmingham and Eutaw, Alabama The bank employs 107 and serves some 6.000 consumer and commercial customers. Day's appointment came when the bank posted the results of what was a challenging 2011. Net income for the bank slipped to $32,000, down from $316,000 in 2010, and generated revenue of $21.5 million versus $23.7 million the prior year.

"The bank's strategy this year includes getting rid of about $21 million In non-performing assets. Moreover Citizens Trust is redesigning its online banking platform to improve Its ease of use for customers and is employing Facebook, Twitter, and other social media strategies to attract more young professional customers. CitizensTrust wants to expand Its footprint and is looking for acquisition opportunities in Alabama, Georgia and the Carolinas," says Day.