Vitals
  • Total Assets
    82.7M 13.4 %
  • Total Deposits
    67.5M 4.3 %
  • Total Net Loans
    49.1M 2.0 %
  • Net Income
    306000.0000 -63.0 %
  • Book Value
    12.9M 118.4 %
  • Book Value x2
    25.7M 118.4 %
  • Book Value x3
    38.6M 118.4 %
ROAA

1.631

ROAE

16.739

Efficiency Ratio

51.147

Net Interest Margin

5.771

Balance Sheet Highlights
Financial Highlights Citizens' State Bank All Insured Commercial Banks in Montana
Balance Sheet $(000)
Total Assets 82,668 123,306
Total Net Loans 49,145 87,485
Total Deposits 67,523 99,751
Total Equity 12,863 13,452
Profitability
Net Income 306 3,652
Return on Average Assets 1.631 1.671
Return on Average Equity 16.739 16.474
Net Interest Margin 5.771 5.102
Efficiency Ratio 51.147 58.044
Noninterest Income/Revenue 4.376 9.971
Balance Sheet Ratios
Loan-to-Deposit 72.783 80.73
Securities/Assets .009 .384
Total Equity/Total Assets .156 .109
Tangible Equity/Tangible Assets .06 .032
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 5,001 12,215
Tier 2 Capital 656 1,111
Total Capital 5,657 13,485
Total Risk Weighted Assets 52,306 96,677
Leverage Ratio 7.04 10.418
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.56 14.016
Total Capital Ratio 10.82 15.163

Timeline for Citizens' State Bank

First Security Bank Of Missoula

Citizens' State Bank was acquired by First Security Bank Of Missoula 17 years

View Profile Jan 27 2007

Glacier Bancorp, Inc.

Glacier Bancorp, Inc. became a new parent organization for Citizens' State Bank.

View Profile Oct 01 2006

Citizens Development Company

Citizens Development Company became a new parent organization for Citizens' State Bank.

View Profile Jun 30 1994

Citizens' State Bank

Citizens' State Bank was established 119 years ago and is currently headquartered in Hamilton, MT.

Apr 05 1905
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Security Bank Of Missoula Buyer 1,117,436 Pooling of Interests Discontinued 1/27/2007
Relationships Role Relationship Start Relationship End
Glacier Bancorp, Inc. Parent 10/1/2006 1/26/2007
Citizens Development Company Parent 6/30/1994 9/30/2006
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