Vitals
  • Total Assets
    54.4M -7.4 %
  • Total Deposits
    47.8M -7.2 %
  • Total Net Loans
    37.2M 15.4 %
  • Net Income
    322000.0000 -10.1 %
  • Book Value
    6.2M 8.2 %
  • Book Value x2
    12.5M 8.2 %
  • Book Value x3
    18.7M 8.2 %
ROAA

1.152

ROAE

10.008

Efficiency Ratio

64.509

Net Interest Margin

4.893

Balance Sheet Highlights
Financial Highlights Citizens State Bank Of Ballard County All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 54,378 146,105
Total Net Loans 37,203 98,909
Total Deposits 47,835 117,203
Total Equity 6,227 15,136
Profitability
Net Income 322 1,299
Return on Average Assets 1.152 1.258
Return on Average Equity 10.008 12.337
Net Interest Margin 4.893 4.12
Efficiency Ratio 64.509 63.278
Noninterest Income/Revenue 11.44 12.761
Balance Sheet Ratios
Loan-to-Deposit 77.774 81.913
Securities/Assets .186 .378
Total Equity/Total Assets .115 .104
Tangible Equity/Tangible Assets .062 .049
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 3,298 14,579
Tier 2 Capital 442 1,130
Total Capital 3,740 15,706
Total Risk Weighted Assets 35,274 99,435
Leverage Ratio 6.3 10.285
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.35 16.027
Total Capital Ratio 10.6 17.18

Timeline for Citizens State Bank Of Ballard County

First Southern National Bank

Citizens State Bank Of Ballard County was acquired by First Southern National Bank 18 years

View Profile Jul 01 2005

South Central Bancshares, Inc.

South Central Bancshares, Inc. became a new parent organization for Citizens State Bank Of Ballard County.

View Profile May 31 1999

Hopkins Bancorp, Inc.

Hopkins Bancorp, Inc. became a new parent organization for Citizens State Bank Of Ballard County.

View Profile Jan 13 1984

Citizens State Bank Of Ballard County

Citizens State Bank Of Ballard County was established 129 years ago and is currently headquartered in Wickliffe, KY.

Jan 01 1895
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Southern National Bank Buyer 845,094 Pooling of Interests Discontinued 7/1/2005
Relationships Role Relationship Start Relationship End
South Central Bancshares, Inc. Parent 5/31/1999 6/30/2005
Hopkins Bancorp, Inc. Parent 5/20/1994 5/30/1999
Hopkins Bancorp, Inc. Parent 12/31/1992 5/19/1994
Hopkins Bancorp, Inc. Parent 1/13/1984 12/30/1992
Similar Organizations
Organization City State Total Assets
Basile State Bank
 		Basile LA 54.3M
Breda Savings Bank
 		Breda IA 54.8M
Brighton Bank
 		Brighton TN 53.5M
Community Bank Owatonna
 		Owatonna MN 53.2M
The Kansas State Bank Overbrook Kansas
 		Overbrook KS 54.4M
Kansasland Bank
 		Quinter KS 54.3M
Community Bank
 		Avon SD 52.7M
Peoples Bank
 		Lebanon KY 54.4M
First State Bank
 		Valliant OK 54.4M
Sicily Island State Bank
 		Sicily Island LA 55.0M