Vitals
  • Total Assets
    379.7M 3.1 %
  • Total Deposits
    317.0M 4.3 %
  • Total Net Loans
    228.8M 6.2 %
  • Net Income
    7.0M 17.8 %
  • Book Value
    43.9M -1.0 %
  • Book Value x2
    87.8M -1.0 %
  • Book Value x3
    131.8M -1.0 %
ROAA

1.875

ROAE

15.051

Efficiency Ratio

47.207

Net Interest Margin

3.667

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 379,652 198,346
Total Net Loans 228,765 133,864
Total Deposits 316,955 165,124
Total Equity 43,919 22,060
Profitability
Net Income 6,981 2,310
Return on Average Assets 1.875 1.15
Return on Average Equity 15.051 9.92
Net Interest Margin 3.667 3.587
Efficiency Ratio 47.207 60.34
Noninterest Income/Revenue 13.839 13.494
Balance Sheet Ratios
Loan-to-Deposit 72.176 77.091
Securities/Assets .324 .197
Total Equity/Total Assets .116 .111
Tangible Equity/Tangible Assets .097 .107
Capital Adequacy
Tier 1 Common Capital 38,722 21,135
Tier 1 Capital 38,722 21,140
Tier 2 Capital 2,503 1,625
Total Capital 41,225 22,777
Total Risk Weighted Assets 288,804 151,308
Leverage Ratio 10.54 10.944
Common Equity Tier 1 Capital Ratio 13.41 15.631
Tier 1 Capital Ratio 13.41 15.631
Total Capital Ratio 14.27 16.675

Timeline for Citizens State Bank

New Vienna Savings Bank

Acquisition: Citizens State Bank acquired a new subsidiary, New Vienna Savings Bank, 14 years

View Profile Oct 10 2009

Union Bank And Trust Company

Acquisition: Citizens State Bank acquired a new subsidiary, Union Bank And Trust Company, 21 years

View Profile Jan 07 2003

Peoples State Bank

Acquisition: Citizens State Bank acquired a new subsidiary, Peoples State Bank, 22 years

View Profile Sep 05 2001

Herky Hawk Financial Corp.

Herky Hawk Financial Corp. became a new parent organization for Citizens State Bank.

View Profile Jan 18 1988

Citizens State Bank

Citizens State Bank was established 93 years ago and is currently headquartered in Monticello, IA.

Mar 11 1931
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
New Vienna Savings Bank Seller 30,408 Pooling of Interests Discontinued 10/10/2009
Union Bank And Trust Company Seller 43,949 Acquisition Discontinued 1/7/2003
Peoples State Bank Seller 42,670 Acquisition Discontinued 9/5/2001
Relationships Role Relationship Start Relationship End
Herky Hawk Financial Corp. Parent 1/18/1988
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