Vitals
  • Total Assets
    75.9M -8.4 %
  • Total Deposits
    59.1M 4.5 %
  • Total Net Loans
    20.4M -9.9 %
  • Net Income
    697000.0000 18.7 %
  • Book Value
    16.7M -1.5 %
  • Book Value x2
    33.3M -1.5 %
  • Book Value x3
    50.0M -1.5 %
ROAA

.853

ROAE

4.077

Efficiency Ratio

62.713

Net Interest Margin

3.363

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Kansas
Balance Sheet $(000)
Total Assets 75,899 161,058
Total Net Loans 20,450 97,183
Total Deposits 59,092 131,657
Total Equity 16,664 18,008
Profitability
Net Income 697 1,663
Return on Average Assets .853 .954
Return on Average Equity 4.077 8.443
Net Interest Margin 3.363 3.683
Efficiency Ratio 62.713 68.374
Noninterest Income/Revenue 11.733 15.013
Balance Sheet Ratios
Loan-to-Deposit 34.607 72.321
Securities/Assets .613 .241
Total Equity/Total Assets .22 .112
Tangible Equity/Tangible Assets .15 .109
Capital Adequacy
Tier 1 Common Capital 11,751 17,454
Tier 1 Capital 11,751 17,457
Tier 2 Capital 397 1,279
Total Capital 12,148 18,771
Total Risk Weighted Assets 31,690 112,595
Leverage Ratio 15.75 11.048
Common Equity Tier 1 Capital Ratio 37.08 16.94
Tier 1 Capital Ratio 37.08 16.949
Total Capital Ratio 38.33 18.109

Timeline for Citizens State Bank

Paola - Citizens Bancshares, Inc.

Acquisition: Citizens State Bank acquired a new subsidiary, Paola - Citizens Bancshares, Inc. , 25 years

View Profile Dec 31 1998

Valley View Bancshares, Inc.

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

View Profile Dec 31 1998

Paola-Citizens Investment Company, Inc.

Acquisition: Citizens State Bank acquired a new subsidiary, Paola-Citizens Investment Company, Inc. , 25 years

View Profile Dec 22 1998

Citizens Building, Inc.

Acquisition: Citizens State Bank acquired a new subsidiary, Citizens Building, Inc. , 25 years

View Profile Dec 01 1998

Paola-Citizens Investment Company, Inc.

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

View Profile Dec 26 1995

Want to see more?

Complete timeline for Citizens State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Paola - Citizens Bancshares, Inc. Seller Pooling of Interests Discontinued 12/31/1998
Paola-Citizens Investment Company, Inc. Seller Pooling of Interests Discontinued 12/22/1998
Citizens Building, Inc. Seller Pooling of Interests Discontinued 12/1/1998
Relationships Role Relationship Start Relationship End
Valley View Bancshares, Inc. Parent 12/31/1998
Paola - Citizens Bancshares, Inc. Parent 12/22/1997 12/30/1998
Paola - Citizens Bancshares, Inc. Parent 11/24/1997 12/21/1997
Paola - Citizens Bancshares, Inc. Parent 10/27/1997 11/23/1997
Paola - Citizens Bancshares, Inc. Parent 10/8/1997 10/26/1997
Paola - Citizens Bancshares, Inc. Parent 8/25/1997 10/7/1997
Paola - Citizens Bancshares, Inc. Parent 8/21/1997 8/24/1997
Paola - Citizens Bancshares, Inc. Parent 7/31/1997 8/20/1997
Paola - Citizens Bancshares, Inc. Parent 2/27/1992 7/30/1997
Paola - Citizens Bancshares, Inc. Parent 12/31/1979 2/26/1992
Paola - Citizens Bancshares, Inc. Parent 1/21/1978 12/30/1979
Paola-Citizens Investment Company, Inc. Subsidary 12/26/1995 12/21/1998
Citizens Building, Inc. Subsidary 1/21/1978 11/30/1998
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