Vitals
  • Total Assets
    139.6M
  • Total Deposits
    122.7M
  • Total Net Loans
    91.5M
  • Net Income
    587000.0000
  • Book Value
    12.0M
  • Book Value x2
    24.0M
  • Book Value x3
    36.0M
ROAA

.868

ROAE

9.99

Efficiency Ratio

64.454

Net Interest Margin

3.776

Balance Sheet Highlights
Financial Highlights Community State Bank All Insured Commercial Banks in New Jersey
Balance Sheet $(000)
Total Assets 139,586 733,609
Total Net Loans 91,521 304,209
Total Deposits 122,663 592,933
Total Equity 12,003 58,442
Profitability
Net Income 587 7,909
Return on Average Assets .868 1.043
Return on Average Equity 9.99 11.658
Net Interest Margin 3.776 3.891
Efficiency Ratio 64.454 69.756
Noninterest Income/Revenue 13.411 20.013
Balance Sheet Ratios
Loan-to-Deposit 74.612 68.877
Securities/Assets .174 .87
Total Equity/Total Assets .086 .08
Tangible Equity/Tangible Assets .086 .044
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 11,824 51,163
Tier 2 Capital 872 4,558
Total Capital 12,696 58,178
Total Risk Weighted Assets 96,078 404,677
Leverage Ratio 8.61 9.182
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.31 13.712
Total Capital Ratio 13.21 14.832

Timeline for Community State Bank

Lakeland Bank

Community State Bank was acquired by Lakeland Bank 20 years

View Profile Aug 25 2003

Cedar Lane Investments, Inc.

Cedar Lane Investments, Inc. became a new subsidiary organization for Community State Bank.

View Profile Feb 01 2003

Csb Financial Corp.

Csb Financial Corp. became a new parent organization for Community State Bank.

View Profile May 20 2002

Community State Financial Services, Inc.

Community State Financial Services, Inc. became a new subsidiary organization for Community State Bank.

View Profile May 20 2002

Community State Bank

Community State Bank was established 26 years ago and is currently headquartered in Teaneck Township, NJ.

Jun 23 1997
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Lakeland Bank Buyer 4,893,899 Acquisition Discontinued 8/25/2003
Relationships Role Relationship Start Relationship End
Csb Financial Corp. Parent 5/20/2002 8/24/2003
Community State Financial Services, Inc. Subsidary 5/20/2002 8/24/2003
Cedar Lane Investments, Inc. Subsidary 2/1/2003 8/24/2003
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