Vitals
  • Total Assets
    204.4M 2.4 %
  • Total Deposits
    164.2M 2.5 %
  • Total Net Loans
    120.8M 0.2 %
  • Net Income
    2.2M 14.1 %
  • Book Value
    23.6M 4.1 %
  • Book Value x2
    47.2M 4.1 %
  • Book Value x3
    70.9M 4.1 %
ROAA

1.12

ROAE

9.373

Efficiency Ratio

59.879

Net Interest Margin

3.909

Balance Sheet Highlights
Financial Highlights Citizens State Bank Of Loyal All Insured Commercial Banks in Wisconsin
Balance Sheet $(000)
Total Assets 204,379 272,940
Total Net Loans 120,795 188,306
Total Deposits 164,179 228,985
Total Equity 23,620 30,879
Profitability
Net Income 2,207 3,013
Return on Average Assets 1.12 1.04
Return on Average Equity 9.373 8.894
Net Interest Margin 3.909 3.727
Efficiency Ratio 59.879 64.939
Noninterest Income/Revenue 15.583 14.969
Balance Sheet Ratios
Loan-to-Deposit 73.575 81.441
Securities/Assets .263 .167
Total Equity/Total Assets .116 .113
Tangible Equity/Tangible Assets .115 .11
Capital Adequacy
Tier 1 Common Capital 23,438 29,936
Tier 1 Capital 23,438 29,937
Tier 2 Capital 1,773 2,305
Total Capital 25,211 32,273
Total Risk Weighted Assets 144,297 202,263
Leverage Ratio 11.8 11.31
Common Equity Tier 1 Capital Ratio 16.24 15.769
Tier 1 Capital Ratio 16.24 15.771
Total Capital Ratio 17.47 16.923

Timeline for Citizens State Bank Of Loyal

Csb Of Loyal Investments, Inc.

Csb Of Loyal Investments, Inc. became a new subsidiary organization for Citizens State Bank Of Loyal.

View Profile Feb 01 1996

Citizens Bancshares Of Loyal, Inc.

Citizens Bancshares Of Loyal, Inc. became a new parent organization for Citizens State Bank Of Loyal.

View Profile Nov 29 1985

Citizens State Bank Of Loyal

Citizens State Bank Of Loyal was established 114 years ago and is currently headquartered in Loyal, WI.

Dec 15 1909
Relationships Role Relationship Start Relationship End
Citizens Bancshares Of Loyal, Inc. Parent 5/2/2001
Citizens Bancshares Of Loyal, Inc. Parent 2/20/1995 5/1/2001
Citizens Bancshares Of Loyal, Inc. Parent 11/29/1985 2/19/1995
Csb Of Loyal Investments, Inc. Subsidary 6/30/2007
Csb Of Loyal Investments, Inc. Subsidary 2/1/1996 6/29/2007
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