Vitals
  • Total Assets
    1.2B 5.9 %
  • Total Deposits
    996.2M 9.6 %
  • Total Net Loans
    744.6M 6.0 %
  • Net Income
    17.7M 1.5 %
  • Book Value
    140.9M 2.1 %
  • Book Value x2
    281.8M 2.1 %
  • Book Value x3
    422.7M 2.1 %
ROAA

1.466

ROAE

12.421

Efficiency Ratio

53.15

Net Interest Margin

3.154

Balance Sheet Highlights
Financial Highlights First Citizens Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 1,238,947 198,346
Total Net Loans 744,562 133,864
Total Deposits 996,174 165,124
Total Equity 140,891 22,060
Profitability
Net Income 17,659 2,310
Return on Average Assets 1.466 1.15
Return on Average Equity 12.421 9.92
Net Interest Margin 3.154 3.587
Efficiency Ratio 53.15 60.34
Noninterest Income/Revenue 17.483 13.494
Balance Sheet Ratios
Loan-to-Deposit 74.742 77.091
Securities/Assets .296 .197
Total Equity/Total Assets .114 .111
Tangible Equity/Tangible Assets .112 .107
Capital Adequacy
Tier 1 Common Capital 139,867 21,135
Tier 1 Capital 139,867 21,140
Tier 2 Capital 10,773 1,625
Total Capital 150,640 22,777
Total Risk Weighted Assets 962,575 151,308
Leverage Ratio 11.13 10.944
Common Equity Tier 1 Capital Ratio 14.53 15.631
Tier 1 Capital Ratio 14.53 15.631
Total Capital Ratio 15.65 16.675

Timeline for First Citizens Bank

Kanabec State Bank

Acquisition: First Citizens Bank acquired a new subsidiary, Kanabec State Bank, 9 years

View Profile Jul 01 2014

First Citizens Trust Company, Na

Acquisition: First Citizens Bank acquired a new subsidiary, First Citizens Trust Company, Na , 11 years

View Profile Jan 01 2013

Grant Village Senior Housing, Llc

Grant Village Senior Housing, Llc became a new subsidiary organization for First Citizens Bank.

View Profile Dec 16 2004

Heritage Clubs International, Inc.

Heritage Clubs International, Inc. became a new subsidiary organization for First Citizens Bank.

View Profile Jan 27 1998

First Citizens Trust Company, Na

First Citizens Trust Company, Na became a new subsidiary organization for First Citizens Bank.

View Profile Jul 01 1996

Want to see more?

Complete timeline for First Citizens Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Kanabec State Bank Seller 138,125 Pooling of Interests Discontinued 7/1/2014
First Citizens Trust Company, Na Seller Pooling of Interests Discontinued 1/1/2013
Citizens National Bank Seller 37,002 Discontinued 12/5/1994
First National Bank Seller 132,110 Discontinued 12/5/1994
Osage Farmers National Bank Seller 76,011 Discontinued 12/5/1994
Commercial Trust And Savings Bank Seller 35,757 Discontinued 10/9/1987
Relationships Role Relationship Start Relationship End
First Citizens Financial Corp. Parent 12/1/1994
First Citizens Financial Corp. Parent 12/31/1984 11/30/1994
First Citizens Financial Corp. Parent 12/31/1981 12/30/1984
First Citizens Financial Corp. Parent 12/31/1980 12/30/1981
First Citizens Financial Corp. Parent 4/16/1979 12/30/1980
Grant Village Senior Housing, Llc Subsidary 12/16/2004
First Citizens Trust Company, Na Subsidary 6/30/2007 12/31/2012
First Citizens Trust Company, Na Subsidary 7/1/1996 6/29/2007
Heritage Clubs International, Inc. Subsidary 1/27/1998 9/3/2002
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