Vitals
  • Total Assets
    70.3M -0.6 %
  • Total Deposits
    62.3M -0.7 %
  • Total Net Loans
    11.6M -7.9 %
  • Net Income
    409000.0000 92.0 %
  • Book Value
    4.8M -34.4 %
  • Book Value x2
    9.6M -34.4 %
  • Book Value x3
    14.4M -34.4 %
ROAA

.575

ROAE

6.707

Efficiency Ratio

82.286

Net Interest Margin

3.528

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Arkansas
Balance Sheet $(000)
Total Assets 70,277 264,010
Total Net Loans 11,614 162,636
Total Deposits 62,339 219,986
Total Equity 4,798 30,109
Profitability
Net Income 409 2,879
Return on Average Assets .575 .966
Return on Average Equity 6.707 8.612
Net Interest Margin 3.528 3.995
Efficiency Ratio 82.286 67.847
Noninterest Income/Revenue 14.086 20.03
Balance Sheet Ratios
Loan-to-Deposit 18.63 67.913
Securities/Assets .677 .22
Total Equity/Total Assets .068 .114
Tangible Equity/Tangible Assets .068 .106
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 5,008 28,340
Tier 2 Capital 378 2,135
Total Capital 5,219 30,469
Total Risk Weighted Assets 30,109 175,630
Leverage Ratio 7.26 10.786
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 16.63 17.352
Total Capital Ratio 17.33 18.549

Timeline for Citizens State Bank

Southern Bank

Citizens State Bank was acquired by Southern Bank 10 years

View Profile Feb 22 2014

Madison Guaranty Savings And Loan Association

Acquisition: Citizens State Bank acquired a new subsidiary, Madison Guaranty Savings And Loan Association, 33 years

View Profile Dec 01 1990

Citizens State Investments, Inc.

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

View Profile Nov 13 1987

Citizens State Bankshares Of Bald Knob, Inc.

Citizens State Bankshares Of Bald Knob, Inc. became a new parent organization for Citizens State Bank.

View Profile Jan 22 1982

Citizens State Bank

Citizens State Bank was established 90 years ago and is currently headquartered in Bald Knob, AR.

Jan 01 1934
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Southern Bank Buyer 1,465,880 Acquisition Discontinued 2/22/2014
Madison Guaranty Savings And Loan Association Seller 84,597 Failure 12/1/1990
Relationships Role Relationship Start Relationship End
Citizens State Bankshares Of Bald Knob, Inc. Parent 12/31/2005 2/21/2014
Citizens State Bankshares Of Bald Knob, Inc. Parent 12/31/1988 12/30/2005
Citizens State Bankshares Of Bald Knob, Inc. Parent 1/22/1982 12/30/1988
Citizens State Investments, Inc. Subsidary 6/30/2007 2/21/2014
Citizens State Investments, Inc. Subsidary 11/13/1987 6/29/2007
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