Vitals
  • Total Assets
    120.7M -6.1 %
  • Total Deposits
    107.1M -6.3 %
  • Total Net Loans
    60.8M 1.2 %
  • Net Income
    2.0M -6.8 %
  • Book Value
    11.7M -4.1 %
  • Book Value x2
    23.4M -4.1 %
  • Book Value x3
    35.1M -4.1 %
ROAA

1.62

ROAE

15.867

Efficiency Ratio

48.926

Net Interest Margin

4.092

Balance Sheet Highlights
Financial Highlights Citizens Savings Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 120,683 198,346
Total Net Loans 60,822 133,864
Total Deposits 107,064 165,124
Total Equity 11,716 22,060
Profitability
Net Income 2,006 2,310
Return on Average Assets 1.62 1.15
Return on Average Equity 15.867 9.92
Net Interest Margin 4.092 3.587
Efficiency Ratio 48.926 60.34
Noninterest Income/Revenue 6.121 13.494
Balance Sheet Ratios
Loan-to-Deposit 56.809 77.091
Securities/Assets .397 .197
Total Equity/Total Assets .097 .111
Tangible Equity/Tangible Assets .097 .107
Capital Adequacy
Tier 1 Common Capital 11,304 21,135
Tier 1 Capital 11,304 21,140
Tier 2 Capital 500 1,625
Total Capital 11,804 22,777
Total Risk Weighted Assets 78,031 151,308
Leverage Ratio 9.42 10.944
Common Equity Tier 1 Capital Ratio 14.49 15.631
Tier 1 Capital Ratio 14.49 15.631
Total Capital Ratio 15.13 16.675

Timeline for Citizens Savings Bank

Lesernal Corporation

Acquisition: Citizens Savings Bank acquired a new subsidiary, Lesernal Corporation , 26 years

View Profile Jan 16 1998

First Community Bancshares Corp.

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

View Profile Oct 28 1992

First National Bank Of Tipton

Acquisition: Citizens Savings Bank acquired a new subsidiary, First National Bank Of Tipton, 38 years

View Profile Feb 15 1986

Building Corporation Of Anamosa

Building Corporation Of Anamosa became a new subsidiary organization for Citizens Savings Bank.

View Profile Dec 31 1976

Lesernal Corporation

Lesernal Corporation became a new parent organization for Citizens Savings Bank.

View Profile Dec 31 1970

Want to see more?

Complete timeline for Citizens Savings Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Lesernal Corporation Seller Acquisition Discontinued 1/16/1998
First National Bank Of Tipton Seller 17,896 Failure 2/15/1986
Relationships Role Relationship Start Relationship End
First Community Bancshares Corp. Parent 1/16/1998
Lesernal Corporation Parent 12/31/1980 1/15/1998
First Community Bancshares Corp. Parent 10/28/1992 1/15/1998
Lesernal Corporation Parent 12/31/1978 12/30/1980
Lesernal Corporation Parent 12/31/1972 12/30/1978
Lesernal Corporation Parent 12/31/1970 12/30/1972
Building Corporation Of Anamosa Subsidary 12/31/1976 1/1/1990
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