Vitals
  • Total Assets
    149.8M 1.1 %
  • Total Deposits
    123.1M 0.0 %
  • Total Net Loans
    90.1M 7.2 %
  • Net Income
    1.8M 0.2 %
  • Book Value
    17.0M 10.0 %
  • Book Value x2
    34.0M 10.0 %
  • Book Value x3
    51.0M 10.0 %
ROAA

1.562

ROAE

14.068

Efficiency Ratio

55.704

Net Interest Margin

3.625

Balance Sheet Highlights
Financial Highlights Community State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 149,822 189,925
Total Net Loans 90,080 128,162
Total Deposits 123,104 155,733
Total Equity 17,015 22,153
Profitability
Net Income 1,751 1,719
Return on Average Assets 1.562 1.182
Return on Average Equity 14.068 10.125
Net Interest Margin 3.625 3.602
Efficiency Ratio 55.704 59.491
Noninterest Income/Revenue 21.354 13.325
Balance Sheet Ratios
Loan-to-Deposit 73.174 78.121
Securities/Assets .345 .199
Total Equity/Total Assets .114 .117
Tangible Equity/Tangible Assets .113 .113
Capital Adequacy
Tier 1 Common Capital 15,258 20,428
Tier 1 Capital 15,258 20,449
Tier 2 Capital 1,109 1,548
Total Capital 16,367 22,011
Total Risk Weighted Assets 88,327 144,061
Leverage Ratio 10.07 11.062
Common Equity Tier 1 Capital Ratio 17.27 15.828
Tier 1 Capital Ratio 17.27 15.847
Total Capital Ratio 18.53 16.9

Timeline for Community State Bank

The Citizens State Bank

Acquisition: Community State Bank acquired a new subsidiary, The Citizens State Bank, 26 years

View Profile Jan 24 1998

Citizens State Bank

Acquisition: Community State Bank acquired a new subsidiary, Citizens State Bank, 30 years

View Profile Apr 23 1994

Iowa Agricultural Credit Corp

Iowa Agricultural Credit Corp became a new subsidiary organization for Community State Bank.

View Profile Jan 01 1988

Community State Bancorporation

Community State Bancorporation became a new parent organization for Community State Bank.

View Profile Jan 16 1985

Community State Bank

Community State Bank was established 110 years ago and is currently headquartered in Spencer, IA.

Jan 01 1914
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Citizens State Bank Seller 8,371 Pooling of Interests Discontinued 1/24/1998
Citizens State Bank Seller 10,697 Discontinued 4/23/1994
Relationships Role Relationship Start Relationship End
Community State Bancorporation Parent 1/16/1985
Iowa Agricultural Credit Corp Subsidary 1/1/1988 12/31/1998
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