Vitals
  • Total Assets
    117.4M -3.1 %
  • Total Deposits
    95.0M -5.7 %
  • Total Net Loans
    78.9M -5.9 %
  • Net Income
    991000.0000 -65.1 %
  • Book Value
    10.0M -2.8 %
  • Book Value x2
    20.1M -2.8 %
  • Book Value x3
    30.1M -2.8 %
ROAA

1.706

ROAE

19.393

Efficiency Ratio

54.327

Net Interest Margin

4.456

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Indiana
Balance Sheet $(000)
Total Assets 117,361 310,136
Total Net Loans 78,937 212,438
Total Deposits 94,955 243,503
Total Equity 10,038 30,713
Profitability
Net Income 991 3,311
Return on Average Assets 1.706 1.016
Return on Average Equity 19.393 9.882
Net Interest Margin 4.456 3.96
Efficiency Ratio 54.327 65.656
Noninterest Income/Revenue 13.33 13.088
Balance Sheet Ratios
Loan-to-Deposit 83.131 86.425
Securities/Assets .179 .358
Total Equity/Total Assets .086 .099
Tangible Equity/Tangible Assets .079 -.161
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 9,236 28,275
Tier 2 Capital 884 2,426
Total Capital 10,120 30,765
Total Risk Weighted Assets 92,653 224,929
Leverage Ratio 8.11 10.334
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.97 14.956
Total Capital Ratio 10.92 16.073

Timeline for Citizens State Bank

German American Bancorp

Citizens State Bank was acquired by German American Bancorp 17 years

View Profile Oct 01 2006

German American Bancorp, Inc.

German American Bancorp, Inc. became a new parent organization for Citizens State Bank.

View Profile May 26 2006

German American Financial Advisors & Trust Company

German American Financial Advisors & Trust Company became a new subsidiary organization for Citizens State Bank.

View Profile Jul 01 2002

Csb Investment Company, Inc.

Csb Investment Company, Inc. became a new subsidiary organization for Citizens State Bank.

View Profile Jan 01 2002

First Title Insurance Company

First Title Insurance Company became a new subsidiary organization for Citizens State Bank.

View Profile Jan 01 2000

Want to see more?

Complete timeline for Citizens State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
German American Bancorp Buyer 2,972,616 Pooling of Interests Discontinued 10/1/2006
Fsb Bank Seller 15,664 Pooling of Interests Discontinued 6/1/1998
Community Trust Bank Seller 38,129 Pooling of Interests Discontinued 6/1/1998
Relationships Role Relationship Start Relationship End
German American Bancorp, Inc. Parent 5/26/2006 9/30/2006
German American Holdings Corporation Parent 6/1/1998 5/25/2006
Csb Bancorp Parent 4/9/1984 5/31/1998
German American Insurance, Inc. Subsidary 1/1/2005 9/30/2006
Csb Investment Company, Inc. Subsidary 1/1/2002 9/30/2006
German American Financial Advisors & Trust Company Subsidary 7/1/2002 9/30/2006
German American Insurance, Inc. Subsidary 1/4/1999 12/31/2004
First Title Insurance Company Subsidary 1/1/2000 3/31/2002
First Financial Insurance Agency Inc Subsidary 1/4/1999 12/30/1999
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