Citizens Bancshares Corp. of Atlanta announced that its earnings declined 30% in 2009.

The $388 million-asset company said Monday that its earnings dipped to $715,000, from $1 million in 2008. It said it earned $290,000 in the fourth quarter, compared with a $144,000 loss the year earlier. Citizens Bancshares boosted its provision for loan losses to $813,000 in the fourth quarter, a 5.4% increase from the third quarter but a 35% decrease from the year earlier.

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