Vitals
  • Total Assets
    322.2M -3.6 %
  • Total Deposits
    285.2M 0.8 %
  • Total Net Loans
    267.6M -3.0 %
  • Net Income
    4.6M -4.4 %
  • Book Value
    33.6M 1.1 %
  • Book Value x2
    67.2M 1.1 %
  • Book Value x3
    100.9M 1.1 %
ROAA

1.402

ROAE

13.539

Efficiency Ratio

58.846

Net Interest Margin

3.977

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Nebraska
Balance Sheet $(000)
Total Assets 322,166 170,284
Total Net Loans 267,631 117,277
Total Deposits 285,248 137,686
Total Equity 33,618 18,945
Profitability
Net Income 4,555 1,911
Return on Average Assets 1.402 1.018
Return on Average Equity 13.539 9.028
Net Interest Margin 3.977 3.761
Efficiency Ratio 58.846 64.484
Noninterest Income/Revenue 7.242 12.891
Balance Sheet Ratios
Loan-to-Deposit 93.824 83.61
Securities/Assets .083 .163
Total Equity/Total Assets .104 .111
Tangible Equity/Tangible Assets .097 .107
Capital Adequacy
Tier 1 Common Capital 31,217 18,124
Tier 1 Capital 31,217 18,269
Tier 2 Capital 3,616 1,473
Total Capital 34,833 19,774
Total Risk Weighted Assets 287,409 134,666
Leverage Ratio 9.63 11.078
Common Equity Tier 1 Capital Ratio 10.86 14.674
Tier 1 Capital Ratio 10.86 14.698
Total Capital Ratio 12.12 15.794

Timeline for Citizens State Bank

The First National Bank Of Friend

Acquisition: Citizens State Bank acquired a new subsidiary, The First National Bank Of Friend, 12 years

View Profile May 04 2011

Citizens National Bank

Acquisition: Citizens State Bank acquired a new subsidiary, Citizens National Bank, 13 years

View Profile Oct 16 2010

Spalding City Bank

Acquisition: Citizens State Bank acquired a new subsidiary, Spalding City Bank, 15 years

View Profile Oct 25 2008

The First National Bank Of Belden

Acquisition: Citizens State Bank acquired a new subsidiary, The First National Bank Of Belden, 17 years

View Profile Aug 26 2006

Bank Of Leigh

Acquisition: Citizens State Bank acquired a new subsidiary, Bank Of Leigh, 17 years

View Profile Aug 26 2006

Want to see more?

Complete timeline for Citizens State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First National Bank Of Friend Seller 39,320 Acquisition Discontinued 5/4/2011
Citizens National Bank Seller 59,007 Pooling of Interests Discontinued 10/16/2010
Spalding City Bank Seller 33,999 Pooling of Interests Discontinued 10/25/2008
The First National Bank Of Belden Seller 30,908 Pooling of Interests Discontinued 8/26/2006
Bank Of Leigh Seller 22,229 Pooling of Interests Discontinued 8/26/2006
Relationships Role Relationship Start Relationship End
Citizens National Corporation Parent 1/6/1997
Citizens National Corporation Parent 12/5/1996 1/5/1997
Citizens National Corporation Parent 1/5/1977 12/4/1996
Elkhorn Valley Insurance Agency, Inc. Subsidary 6/30/2007
Elkhorn Valley Insurance Agency, Inc. Subsidary 8/12/1977 6/29/2007
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