Vitals
  • Total Assets
    80.3M 5.9 %
  • Total Deposits
    63.2M 6.0 %
  • Total Net Loans
    67.7M 5.5 %
  • Net Income
    388000.0000 -3.2 %
  • Book Value
    7.5M 3.6 %
  • Book Value x2
    15.0M 3.6 %
  • Book Value x3
    22.4M 3.6 %
ROAA

1.922

ROAE

20.753

Efficiency Ratio

41.79

Net Interest Margin

3.677

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 80,298 101,344
Total Net Loans 67,664 69,963
Total Deposits 63,235 82,723
Total Equity 7,477 10,240
Profitability
Net Income 388 381
Return on Average Assets 1.922 1.149
Return on Average Equity 20.753 11.006
Net Interest Margin 3.677 3.624
Efficiency Ratio 41.79 63.023
Noninterest Income/Revenue 4.145 8.929
Balance Sheet Ratios
Loan-to-Deposit 107.004 81.365
Securities/Assets .085 .338
Total Equity/Total Assets .093 .101
Tangible Equity/Tangible Assets .093 .069
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 7,504 9,753
Tier 2 Capital 733 793
Total Capital 8,237 10,540
Total Risk Weighted Assets 58,357 75,138
Leverage Ratio 9.29 10.171
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.86 14.267
Total Capital Ratio 14.11 15.312

Timeline for Citizens State Bank

Arbor Bank

Citizens State Bank was acquired by Arbor Bank 16 years

View Profile Jun 01 2007

Oakland Financial Services, Inc.

Oakland Financial Services, Inc. became a new parent organization for Citizens State Bank.

View Profile Sep 01 1978

Citizens State Bank

Citizens State Bank was established 142 years ago and is currently headquartered in Oakland, IA.

Dec 23 1881
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Arbor Bank Buyer 280,391 Pooling of Interests Discontinued 6/1/2007
Relationships Role Relationship Start Relationship End
Oakland Financial Services, Inc. Parent 1/1/1988 5/31/2007
Oakland Financial Services, Inc. Parent 12/31/1984 12/31/1987
Oakland Financial Services, Inc. Parent 9/1/1978 12/30/1984
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