Citizens Federal Savings And Loan Association Financial Statements & Health Reports

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ROAA

1.272

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Citizens Federal Savings And Loan Association	All Insured Savings Banks in Kentucky
Balance Sheet $(000)
Total Assets	37,134	131,497
Total Net Loans	21,499	96,989
Total Deposits	23,247	100,018
Total Equity	10,173	19,410
Profitability
Net Income	465	940
Return on Average Assets	1.272	.117
Return on Average Equity	4.596	2.026
Net Interest Margin	3.134	3.403
Efficiency Ratio	40.573	91.164
Noninterest Income/Revenue	2.757	14.973
Balance Sheet Ratios
Loan-to-Deposit	92.481	97.139
Securities/Assets	.256	.118
Total Equity/Total Assets	.274	.148
Tangible Equity/Tangible Assets	.274	.135
Capital Adequacy
Tier 1 Common Capital	10,173	18,072
Tier 1 Capital	10,173	18,072
Tier 2 Capital	209	796
Total Capital	10,382	18,868
Total Risk Weighted Assets	16,637	79,313
Leverage Ratio	27.23	17.17
Common Equity Tier 1 Capital Ratio	61.15	32.705
Tier 1 Capital Ratio	61.15	32.705
Total Capital Ratio	62.4	33.862

Citizens Federal Savings And Loan Association was established 138 years ago and is currently headquartered in Covington, KY.

Jan 01 1886

Relationships	Role	Relationship Start	Relationship End

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