Vitals
  • Total Assets
    103.1M
  • Total Deposits
    89.5M
  • Total Net Loans
    77.5M
  • Net Income
    188000.0000
  • Book Value
    11.2M
  • Book Value x2
    22.3M
  • Book Value x3
    33.5M
ROAA

.734

ROAE

6.717

Efficiency Ratio

77.383

Net Interest Margin

4.667

Balance Sheet Highlights
Financial Highlights Citizens Savings Bank And Trust Company All Insured Commercial Banks in Vermont
Balance Sheet $(000)
Total Assets 103,129 396,354
Total Net Loans 77,511 252,680
Total Deposits 89,454 334,172
Total Equity 11,159 34,378
Profitability
Net Income 188 1,731
Return on Average Assets .734 1.114
Return on Average Equity 6.717 12.232
Net Interest Margin 4.667 4.501
Efficiency Ratio 77.383 70.445
Noninterest Income/Revenue 11.435 19.757
Balance Sheet Ratios
Loan-to-Deposit 86.649 80.209
Securities/Assets .148 .311
Total Equity/Total Assets .108 .087
Tangible Equity/Tangible Assets .108 .072
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 10,704 31,611
Tier 2 Capital 866 3,305
Total Capital 11,570 34,914
Total Risk Weighted Assets 68,988 271,740
Leverage Ratio 10.45 9.379
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.52 14.617
Total Capital Ratio 16.77 15.829

Timeline for Citizens Savings Bank And Trust Company

Union Bank

Citizens Savings Bank And Trust Company was acquired by Union Bank 21 years

View Profile May 17 2003

Union Bankshares, Inc.

Union Bankshares, Inc. became a new parent organization for Citizens Savings Bank And Trust Company.

View Profile Nov 30 1999

Citizens Savings Bank And Trust Company

Citizens Savings Bank And Trust Company was established 138 years ago and is currently headquartered in Saint Johnsbury, VT.

Jan 01 1886
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Union Bank Buyer 671,693 Pooling of Interests Discontinued 5/17/2003
Relationships Role Relationship Start Relationship End
Union Bankshares, Inc. Parent 11/30/1999 5/16/2003
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