Vitals
  • Total Assets
    121.7M 3.8 %
  • Total Deposits
    105.8M 3.7 %
  • Total Net Loans
    87.0M 6.2 %
  • Net Income
    1.6M 2.7 %
  • Book Value
    15.7M 4.3 %
  • Book Value x2
    31.4M 4.3 %
  • Book Value x3
    47.2M 4.3 %
ROAA

1.384

ROAE

10.645

Efficiency Ratio

56.885

Net Interest Margin

3.523

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 121,663 198,346
Total Net Loans 86,955 133,864
Total Deposits 105,850 165,124
Total Equity 15,720 22,060
Profitability
Net Income 1,638 2,310
Return on Average Assets 1.384 1.15
Return on Average Equity 10.645 9.92
Net Interest Margin 3.523 3.587
Efficiency Ratio 56.885 60.34
Noninterest Income/Revenue 9.592 13.494
Balance Sheet Ratios
Loan-to-Deposit 82.149 77.091
Securities/Assets .174 .197
Total Equity/Total Assets .129 .111
Tangible Equity/Tangible Assets .117 .107
Capital Adequacy
Tier 1 Common Capital 14,286 21,135
Tier 1 Capital 14,286 21,140
Tier 2 Capital 1,125 1,625
Total Capital 15,411 22,777
Total Risk Weighted Assets 89,851 151,308
Leverage Ratio 12.03 10.944
Common Equity Tier 1 Capital Ratio 15.9 15.631
Tier 1 Capital Ratio 15.9 15.631
Total Capital Ratio 17.15 16.675

Timeline for Citizens State Bank

Farmers Savings Bank

Acquisition: Citizens State Bank acquired a new subsidiary, Farmers Savings Bank, 23 years

View Profile Sep 07 2001

Boyden Bancorp

Acquisition: Citizens State Bank acquired a new subsidiary, Boyden Bancorp , 23 years

View Profile Sep 07 2001

Dixon Bancshares, Inc.

Dixon Bancshares, Inc. became a new parent organization for Citizens State Bank.

View Profile Apr 23 1992

Citizens State Bank

Citizens State Bank was established 63 years ago and is currently headquartered in Sheldon, IA.

Mar 15 1961
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Farmers Savings Bank Seller 16,979 Acquisition Discontinued 9/7/2001
Boyden Bancorp Seller Acquisition Discontinued 9/7/2001
Relationships Role Relationship Start Relationship End
Dixon Bancshares, Inc. Parent 11/24/2008
Dixon Bancshares, Inc. Parent 9/6/2001 11/23/2008
Dixon Bancshares, Inc. Parent 12/1/1999 9/5/2001
Dixon Bancshares, Inc. Parent 10/5/1992 11/30/1999
Dixon Bancshares, Inc. Parent 4/23/1992 10/4/1992
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