Vitals
  • Total Assets
    193.2M 2.4 %
  • Total Deposits
    170.3M 1.9 %
  • Total Net Loans
    90.5M 14.4 %
  • Net Income
    791000.0000 12.0 %
  • Book Value
    22.4M 5.9 %
  • Book Value x2
    44.9M 5.9 %
  • Book Value x3
    67.3M 5.9 %
ROAA

.536

ROAE

4.8

Efficiency Ratio

76.12

Net Interest Margin

3.462

Balance Sheet Highlights
Financial Highlights Community State Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 193,206 334,866
Total Net Loans 90,536 227,033
Total Deposits 170,317 282,379
Total Equity 22,444 35,360
Profitability
Net Income 791 2,475
Return on Average Assets .536 .889
Return on Average Equity 4.8 8.248
Net Interest Margin 3.462 3.821
Efficiency Ratio 76.12 72.284
Noninterest Income/Revenue 10.966 23.69
Balance Sheet Ratios
Loan-to-Deposit 53.157 75.448
Securities/Assets .386 .169
Total Equity/Total Assets .116 .106
Tangible Equity/Tangible Assets .104 .101
Capital Adequacy
Tier 1 Common Capital 18,956 33,211
Tier 1 Capital 18,956 33,314
Tier 2 Capital 1,204 2,443
Total Capital 20,160 35,874
Total Risk Weighted Assets 95,445 242,811
Leverage Ratio 9.85 10.376
Common Equity Tier 1 Capital Ratio 19.86 15.477
Tier 1 Capital Ratio 19.86 15.53
Total Capital Ratio 21.12 16.574

Timeline for Community State Bank

Csb Financial Services Inc

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

View Profile Oct 28 2009

The Montrose State Bank

Acquisition: Community State Bank acquired a new subsidiary, The Montrose State Bank, 16 years

View Profile Dec 01 2007

Community Bancorp, Inc.

Community Bancorp, Inc. became a new parent organization for Community State Bank.

View Profile Dec 07 1988

Community State Bank

Community State Bank was established 82 years ago and is currently headquartered in Saint Charles, MI.

Dec 15 1941

Saint Charles State Bank

Acquisition: Community State Bank acquired a new subsidiary, Saint Charles State Bank , 82 years

View Profile Dec 14 1941
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Montrose State Bank Seller 60,981 Acquisition Discontinued 12/1/2007
Saint Charles State Bank Seller Failure 12/14/1941
Relationships Role Relationship Start Relationship End
Community Bancorp, Inc. Parent 12/7/1988
Csb Financial Services Inc Subsidary 10/28/2009
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