Vitals
  • Total Assets
    104.3M 2.1 %
  • Total Deposits
    73.9M -7.6 %
  • Total Net Loans
    55.4M 18.0 %
  • Net Income
    1.6M 6.1 %
  • Book Value
    14.9M 6.2 %
  • Book Value x2
    29.8M 6.2 %
  • Book Value x3
    44.8M 6.2 %
ROAA

1.57

ROAE

10.619

Efficiency Ratio

42.055

Net Interest Margin

4.072

Balance Sheet Highlights
Financial Highlights Citizens Savings Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 104,321 198,346
Total Net Loans 55,376 133,864
Total Deposits 73,885 165,124
Total Equity 14,920 22,060
Profitability
Net Income 1,592 2,310
Return on Average Assets 1.57 1.15
Return on Average Equity 10.619 9.92
Net Interest Margin 4.072 3.587
Efficiency Ratio 42.055 60.34
Noninterest Income/Revenue 3.726 13.494
Balance Sheet Ratios
Loan-to-Deposit 74.949 77.091
Securities/Assets .43 .197
Total Equity/Total Assets .143 .111
Tangible Equity/Tangible Assets .143 .107
Capital Adequacy
Tier 1 Common Capital 14,394 21,135
Tier 1 Capital 14,394 21,140
Tier 2 Capital 774 1,625
Total Capital 15,168 22,777
Total Risk Weighted Assets 84,126 151,308
Leverage Ratio 14.02 10.944
Common Equity Tier 1 Capital Ratio 17.11 15.631
Tier 1 Capital Ratio 17.11 15.631
Total Capital Ratio 18.03 16.675

Timeline for Citizens Savings Bank

Citizens Savings Bank

Citizens Savings Bank was established 116 years ago and is currently headquartered in Spillville, IA.

Jan 01 1908
Relationships Role Relationship Start Relationship End
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