Vitals
  • Total Assets
    164.6M 4.8 %
  • Total Deposits
    147.8M 5.2 %
  • Total Net Loans
    122.9M 6.3 %
  • Net Income
    767000.0000 -2.3 %
  • Book Value
    13.1M 1.6 %
  • Book Value x2
    26.2M 1.6 %
  • Book Value x3
    39.3M 1.6 %
ROAA

.481

ROAE

5.783

Efficiency Ratio

81.308

Net Interest Margin

3.786

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Wisconsin
Balance Sheet $(000)
Total Assets 164,608 272,940
Total Net Loans 122,876 188,306
Total Deposits 147,778 228,985
Total Equity 13,085 30,879
Profitability
Net Income 767 3,013
Return on Average Assets .481 1.04
Return on Average Equity 5.783 8.894
Net Interest Margin 3.786 3.727
Efficiency Ratio 81.308 64.939
Noninterest Income/Revenue 8.477 14.969
Balance Sheet Ratios
Loan-to-Deposit 83.149 81.441
Securities/Assets .141 .167
Total Equity/Total Assets .079 .113
Tangible Equity/Tangible Assets .079 .11
Capital Adequacy
Tier 1 Common Capital 13,349 29,936
Tier 1 Capital 13,349 29,937
Tier 2 Capital 1,469 2,305
Total Capital 14,818 32,273
Total Risk Weighted Assets 117,410 202,263
Leverage Ratio 8.26 11.31
Common Equity Tier 1 Capital Ratio 11.37 15.769
Tier 1 Capital Ratio 11.37 15.771
Total Capital Ratio 12.62 16.923

Timeline for Citizens State Bank

Bank St. Croix

Acquisition: Citizens State Bank acquired a new subsidiary, Bank St. Croix, 26 years

View Profile Mar 14 1998

First State Bank

Acquisition: Citizens State Bank acquired a new subsidiary, First State Bank, 31 years

View Profile Sep 29 1993

Citizens Bancshares Of Woodville, Inc.

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

View Profile Aug 24 1984

Citizens State Bank

Citizens State Bank was established 120 years ago and is currently headquartered in Hudson, WI.

Jul 15 1904
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank St. Croix Seller 14,411 Pooling of Interests Discontinued 3/14/1998
First State Bank Seller 8,835 Discontinued 9/29/1993
Relationships Role Relationship Start Relationship End
Citizens Bancshares Of Woodville, Inc. Parent 12/31/1989
Citizens Bancshares Of Woodville, Inc. Parent 8/24/1984 12/30/1989
Similar Organizations
Organization City State Total Assets
Resurgens Bank
 		Tucker GA 158.2M
Raritan State Bank
 		Raritan IL 161.2M
Goppert State Service Bank
 		Garnett KS 156.9M
Bank Of Zumbrota
 		Zumbrota MN 156.6M
Millennium Bank
 		Ooltewah TN 159.1M
Livingston State Bank
 		Livingston WI 163.6M
Manhattan Bank
 		Manhattan MT 159.6M
Altamaha Bank And Trust Company
 		Vidalia GA 158.6M
United Bank And Trust Company
 		Hampton IA 154.1M
Bank Of The Federated States Of Micronesia
 		Pohnpei FM 153.9M