Vitals
  • Total Assets
    1.1B -0.1 %
  • Total Deposits
    953.0M -0.6 %
  • Total Net Loans
    636.2M -8.2 %
  • Net Income
    3.6M 4.8 %
  • Book Value
    111.7M 4.2 %
  • Book Value x2
    223.3M 4.2 %
  • Book Value x3
    335.0M 4.2 %
ROAA

.419

ROAE

4.27

Efficiency Ratio

81.704

Net Interest Margin

3.291

Balance Sheet Highlights
Financial Highlights Citizens Financial Bank All Insured Savings Banks in Indiana
Balance Sheet $(000)
Total Assets 1,117,907 224,332
Total Net Loans 636,161 138,478
Total Deposits 953,026 180,735
Total Equity 111,667 26,280
Profitability
Net Income 3,575 991
Return on Average Assets .419 .427
Return on Average Equity 4.27 3.467
Net Interest Margin 3.291 3.286
Efficiency Ratio 81.704 79.674
Noninterest Income/Revenue 20.031 18.572
Balance Sheet Ratios
Loan-to-Deposit 66.752 76.063
Securities/Assets .18 .231
Total Equity/Total Assets .1 .117
Tangible Equity/Tangible Assets .099 .113
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 103,089 25,282
Tier 2 Capital 8,710 1,770
Total Capital 111,799 27,043
Total Risk Weighted Assets 693,106 138,362
Leverage Ratio 9.29 12.288
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.87 22.554
Total Capital Ratio 16.13 23.79

Timeline for Citizens Financial Bank

First Merchants Bank

Citizens Financial Bank was acquired by First Merchants Bank 10 years

View Profile Nov 13 2013

Whcc, Llc

Whcc, Llc became a new subsidiary organization for Citizens Financial Bank.

View Profile Jul 21 2011

Cfs Holdings, Ltd.

Cfs Holdings, Ltd. became a new subsidiary organization for Citizens Financial Bank.

View Profile Jul 21 2011

Suburban Federal Savings, A Federal Savings Bank

Acquisition: Citizens Financial Bank acquired a new subsidiary, Suburban Federal Savings, A Federal Savings Bank, 25 years

View Profile Jul 24 1998

Cfs Bancorp, Inc.

Cfs Bancorp, Inc. became a new parent organization for Citizens Financial Bank.

View Profile Jul 24 1998

Want to see more?

Complete timeline for Citizens Financial Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Merchants Bank Buyer 7,006,499 Acquisition Discontinued 11/13/2013
Suburban Federal Savings, A Federal Savings Bank Seller 451,469 Discontinued 7/24/1998
Anchor Savings And Loan Association Seller 9,272 Discontinued 10/1/1990
Gary Federal Savings And Loan Association Seller Discontinued 9/1/1983
First Federal Savings And Loan Association Of East Chicago Seller Discontinued 9/1/1983
Relationships Role Relationship Start Relationship End
Cfs Bancorp, Inc. Parent 7/21/2011 11/12/2013
Cfs Bancorp, Inc. Parent 7/24/1998 7/20/2011
Whcc, Llc Subsidary 7/21/2011 11/12/2013
Cfs Holdings, Ltd. Subsidary 7/21/2011 12/1/2012
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