Citizens Federal Savings And Loan Association Financial Statements & Health Reports

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Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Citizens Federal Savings And Loan Association	All Insured Savings Banks in Ohio
Balance Sheet $(000)
Total Assets	138,270	265,966
Total Net Loans	100,990	190,627
Total Deposits	121,780	206,710
Total Equity	14,468	32,574
Profitability
Net Income	391	2,411
Return on Average Assets	.28	.564
Return on Average Equity	2.747	4.535
Net Interest Margin	2.738	3.288
Efficiency Ratio	87.708	80.784
Noninterest Income/Revenue	8.808	22.248
Balance Sheet Ratios
Loan-to-Deposit	82.928	89.218
Securities/Assets	.183	.114
Total Equity/Total Assets	.105	.122
Tangible Equity/Tangible Assets	.103	.119
Capital Adequacy
Tier 1 Common Capital	16,022	31,883
Tier 1 Capital	16,022	31,883
Tier 2 Capital	280	1,822
Total Capital	16,302	33,702
Total Risk Weighted Assets	65,863	167,152
Leverage Ratio	11.65	13.259
Common Equity Tier 1 Capital Ratio	24.33	24.788
Tier 1 Capital Ratio	24.33	24.788
Total Capital Ratio	24.75	25.792

Citizens Federal Savings And Loan Association was established 139 years ago and is currently headquartered in Bellefontaine, OH.

Jan 01 1885

Relationships	Role	Relationship Start	Relationship End

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