Vitals
  • Total Assets
    316.8M -1.8 %
  • Total Deposits
    222.5M -4.2 %
  • Total Net Loans
    212.4M -9.3 %
  • Net Income
    1.3M -36.3 %
  • Book Value
    53.7M 71.7 %
  • Book Value x2
    107.5M 71.7 %
  • Book Value x3
    161.2M 71.7 %
ROAA

.842

ROAE

6.165

Efficiency Ratio

61.466

Net Interest Margin

3.682

Balance Sheet Highlights
Financial Highlights Citizens Savings Bank All Insured Savings Banks in Illinois
Balance Sheet $(000)
Total Assets 316,828 146,420
Total Net Loans 212,411 90,105
Total Deposits 222,489 116,066
Total Equity 53,736 17,795
Profitability
Net Income 1,318 856
Return on Average Assets .842 .663
Return on Average Equity 6.165 6.16
Net Interest Margin 3.682 3.172
Efficiency Ratio 61.466 79.735
Noninterest Income/Revenue 8.656 7.216
Balance Sheet Ratios
Loan-to-Deposit 95.47 76.024
Securities/Assets .075 .385
Total Equity/Total Assets .17 .122
Tangible Equity/Tangible Assets .087 .036
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 30,102 16,796
Tier 2 Capital 2,422 795
Total Capital 32,524 17,738
Total Risk Weighted Assets 192,679 81,501
Leverage Ratio 10.28 11.28
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.62 23.834
Total Capital Ratio 16.88 24.94

Timeline for Citizens Savings Bank

Main Street Bank & Trust

Citizens Savings Bank was acquired by Main Street Bank & Trust 18 years

View Profile Oct 08 2005

Main Street Trust, Inc.

Main Street Trust, Inc. became a new parent organization for Citizens Savings Bank.

View Profile Apr 01 2005

Citizens First Financial Corp.

Citizens First Financial Corp. became a new parent organization for Citizens Savings Bank.

View Profile Jul 30 1996

Fairbury Federal Savings And Loan Association

Acquisition: Citizens Savings Bank acquired a new subsidiary, Fairbury Federal Savings And Loan Association, 28 years

View Profile Jun 01 1995

Citizens Savings Bank

Citizens Savings Bank was established 136 years ago and is currently headquartered in Bloomington, IL.

Jan 01 1888
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Main Street Bank & Trust Buyer 1,679,876 Pooling of Interests Discontinued 10/8/2005
Fairbury Federal Savings And Loan Association Seller 83,454 Discontinued 6/1/1995
Relationships Role Relationship Start Relationship End
Main Street Trust, Inc. Parent 4/1/2005 10/7/2005
Citizens First Financial Corp. Parent 7/30/1996 3/31/2005
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