Vitals
  • Total Assets
    334.7M 0.7 %
  • Total Deposits
    286.2M 0.2 %
  • Total Net Loans
    257.9M -2.3 %
  • Net Income
    1.7M -7.8 %
  • Book Value
    46.0M 3.1 %
  • Book Value x2
    92.0M 3.1 %
  • Book Value x3
    138.0M 3.1 %
ROAA

.504

ROAE

3.661

Efficiency Ratio

77.608

Net Interest Margin

3.202

Balance Sheet Highlights
Financial Highlights Citizens Savings Bank All Insured Savings Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 334,677 648,167
Total Net Loans 257,889 461,686
Total Deposits 286,157 495,804
Total Equity 45,987 86,443
Profitability
Net Income 1,662 4,600
Return on Average Assets .504 .53
Return on Average Equity 3.661 4.211
Net Interest Margin 3.202 2.964
Efficiency Ratio 77.608 73.743
Noninterest Income/Revenue 6.578 17.147
Balance Sheet Ratios
Loan-to-Deposit 90.122 82.148
Securities/Assets .112 .168
Total Equity/Total Assets .137 .133
Tangible Equity/Tangible Assets .137 .127
Capital Adequacy
Tier 1 Common Capital 45,820 83,501
Tier 1 Capital 45,820 83,501
Tier 2 Capital 782 4,056
Total Capital 46,602 87,552
Total Risk Weighted Assets 166,362 425,981
Leverage Ratio 13.95 13.562
Common Equity Tier 1 Capital Ratio 27.54 24.643
Tier 1 Capital Ratio 27.54 24.643
Total Capital Ratio 28.01 25.537

Timeline for Citizens Savings Bank

Sayre Savings And Loan Association

Acquisition: Citizens Savings Bank acquired a new subsidiary, Sayre Savings And Loan Association, 39 years

View Profile Oct 01 1984

Athens Bl And Savings Association

Acquisition: Citizens Savings Bank acquired a new subsidiary, Athens Bl And Savings Association, 40 years

View Profile Jan 01 1984

Colonial Savings Association

Acquisition: Citizens Savings Bank acquired a new subsidiary, Colonial Savings Association, 40 years

View Profile Jan 01 1984

Fairview Savings And Loan Association

Acquisition: Citizens Savings Bank acquired a new subsidiary, Fairview Savings And Loan Association, 41 years

View Profile May 02 1983

Keystone Savings & Loan Association Of Wilkes-Barre

Acquisition: Citizens Savings Bank acquired a new subsidiary, Keystone Savings & Loan Association Of Wilkes-Barre , 41 years

View Profile Sep 01 1982

Want to see more?

Complete timeline for Citizens Savings Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Sayre Savings And Loan Association Seller 36,452 Discontinued 10/1/1984
Athens Bl And Savings Association Seller Discontinued 1/1/1984
Colonial Savings Association Seller Discontinued 1/1/1984
Fairview Savings And Loan Association Seller Discontinued 5/2/1983
Keystone Savings & Loan Association Of Wilkes-Barre Seller Discontinued 9/1/1982
Northeast Savings And Loan Association Seller Discontinued 2/1/1980
Relationships Role Relationship Start Relationship End
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