Vitals
  • Total Assets
    222.1M 16.2 %
  • Total Deposits
    181.4M 15.2 %
  • Total Net Loans
    200.3M 16.5 %
  • Net Income
    5.4M 15.3 %
  • Book Value
    18.3M 14.6 %
  • Book Value x2
    36.6M 14.6 %
  • Book Value x3
    54.9M 14.6 %
ROAA

2.673

ROAE

31.307

Efficiency Ratio

48.407

Net Interest Margin

4.126

Balance Sheet Highlights
Financial Highlights Citizens State Bank Of La Crosse All Insured Commercial Banks in Wisconsin
Balance Sheet $(000)
Total Assets 222,114 272,940
Total Net Loans 200,275 188,306
Total Deposits 181,411 228,985
Total Equity 18,311 30,879
Profitability
Net Income 5,385 3,013
Return on Average Assets 2.673 1.04
Return on Average Equity 31.307 8.894
Net Interest Margin 4.126 3.727
Efficiency Ratio 48.407 64.939
Noninterest Income/Revenue 23.547 14.969
Balance Sheet Ratios
Loan-to-Deposit 110.399 81.441
Securities/Assets .022 .167
Total Equity/Total Assets .082 .113
Tangible Equity/Tangible Assets .082 .11
Capital Adequacy
Tier 1 Common Capital 18,263 29,936
Tier 1 Capital 18,263 29,937
Tier 2 Capital 1,572 2,305
Total Capital 19,835 32,273
Total Risk Weighted Assets 182,645 202,263
Leverage Ratio 8.53 11.31
Common Equity Tier 1 Capital Ratio 10 15.769
Tier 1 Capital Ratio 10 15.771
Total Capital Ratio 10.86 16.923

Timeline for Citizens State Bank Of La Crosse

New Castle Title Of La Crosse, Inc.

New Castle Title Of La Crosse, Inc. became a new subsidiary organization for Citizens State Bank Of La Crosse.

View Profile Dec 31 2007

Clayton Bankshares, Inc.

Clayton Bankshares, Inc. became a new parent organization for Citizens State Bank Of La Crosse.

View Profile Nov 08 1974

Citizens State Bank Of La Crosse

Citizens State Bank Of La Crosse was established 116 years ago and is currently headquartered in La Crosse, WI.

Dec 09 1907
Relationships Role Relationship Start Relationship End
Clayton Bankshares, Inc. Parent 1/31/2003
Clayton Bankshares, Inc. Parent 12/31/1989 1/30/2003
Clayton Bankshares, Inc. Parent 12/31/1978 12/30/1989
Clayton Bankshares, Inc. Parent 11/8/1974 12/30/1978
New Castle Title Of La Crosse, Inc. Subsidary 12/31/2007
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