Citizens State Bank
Vernon, AL — Non-member Bank
Active
Vitals
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Total Assets76.3M -6.6 %
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Total Deposits55.6M -7.5 %
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Total Net Loans21.1M -7.9 %
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Net Income-142000.0000 -120.6 %
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Book Value9.5M -8.1 %
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Book Value x218.9M -8.1 %
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Book Value x328.4M -8.1 %
Balance Sheet Highlights
| Financial Highlights | Citizens State Bank | All Insured Commercial Banks in Alabama |
| Balance Sheet $(000) | ||
| Total Assets | 76,288 | 266,812 |
| Total Net Loans | 21,133 | 157,006 |
| Total Deposits | 55,603 | 227,200 |
| Total Equity | 9,457 | 30,855 |
| Profitability | ||
| Net Income | -142 | 2,603 |
| Return on Average Assets | -.181 | .91 |
| Return on Average Equity | -1.387 | 7.525 |
| Net Interest Margin | 2.158 | 3.872 |
| Efficiency Ratio | 60.35 | 69.238 |
| Noninterest Income/Revenue | 5.949 | 15.218 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 38.007 | 65.031 |
| Securities/Assets | .593 | .23 |
| Total Equity/Total Assets | .124 | .116 |
| Tangible Equity/Tangible Assets | .124 | .114 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 9,855 | 30,655 |
| Tier 1 Capital | 9,855 | 30,655 |
| Tier 2 Capital | 331 | 1,864 |
| Total Capital | 10,186 | 32,526 |
| Total Risk Weighted Assets | 26,940 | 184,216 |
| Leverage Ratio | 12.78 | 11.829 |
| Common Equity Tier 1 Capital Ratio | 36.58 | 18.757 |
| Tier 1 Capital Ratio | 36.58 | 18.762 |
| Total Capital Ratio | 37.81 | 19.824 |
Timeline for Citizens State Bank
Citizens Investments, Llc
Citizens Investments, Llc became a new subsidiary organization for Citizens State Bank.
View Profile Jun 08 2012
Citizens Southern Bancshares, Inc.
Citizens Southern Bancshares, Inc. became a new parent organization for Citizens State Bank.
View Profile Mar 10 1987
Citizens State Bank
Citizens State Bank was established 47 years ago and is currently headquartered in Vernon, AL.
Sep 09 1977| Relationships | Role | Relationship Start | Relationship End |
| Citizens Southern Bancshares, Inc. | Parent | 2/7/2008 | |
| Citizens Southern Bancshares, Inc. | Parent | 12/31/2007 | 2/6/2008 |
| Citizens Southern Bancshares, Inc. | Parent | 3/10/1987 | 12/30/2007 |
| Citizens Investments, Llc | Subsidary | 6/8/2012 |
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