Vitals
  • Total Assets
    315.2M 17.5 %
  • Total Deposits
    253.2M 16.8 %
  • Total Net Loans
    164.4M 11.7 %
  • Net Income
    3.0M 6.2 %
  • Book Value
    55.9M 20.1 %
  • Book Value x2
    111.7M 20.1 %
  • Book Value x3
    167.6M 20.1 %
ROAA

1.001

ROAE

5.652

Efficiency Ratio

61.338

Net Interest Margin

3.136

Balance Sheet Highlights
Financial Highlights First Citizens State Bank All Insured Commercial Banks in Wisconsin
Balance Sheet $(000)
Total Assets 315,246 272,940
Total Net Loans 164,416 188,306
Total Deposits 253,213 228,985
Total Equity 55,870 30,879
Profitability
Net Income 3,013 3,013
Return on Average Assets 1.001 1.04
Return on Average Equity 5.652 8.894
Net Interest Margin 3.136 3.727
Efficiency Ratio 61.338 64.939
Noninterest Income/Revenue 22.263 14.969
Balance Sheet Ratios
Loan-to-Deposit 64.932 81.441
Securities/Assets .311 .167
Total Equity/Total Assets .177 .113
Tangible Equity/Tangible Assets .177 .11
Capital Adequacy
Tier 1 Common Capital 55,870 29,936
Tier 1 Capital 55,870 29,937
Tier 2 Capital 2,034 2,305
Total Capital 57,904 32,273
Total Risk Weighted Assets 203,230 202,263
Leverage Ratio 18.66 11.31
Common Equity Tier 1 Capital Ratio 27.49 15.769
Tier 1 Capital Ratio 27.49 15.771
Total Capital Ratio 28.49 16.923

Timeline for First Citizens State Bank

Palmyra State Bank

Acquisition: First Citizens State Bank acquired a new subsidiary, Palmyra State Bank, 8 years

View Profile Feb 20 2016

Whitewater Investment, Inc.

Acquisition: First Citizens State Bank acquired a new subsidiary, Whitewater Investment, Inc. , 19 years

View Profile Dec 31 2004

Whitewater Investment, Inc.

Whitewater Investment, Inc. became a new subsidiary organization for First Citizens State Bank.

View Profile Dec 18 1990

Reo, Llc

Reo, Llc became a new subsidiary organization for First Citizens State Bank.

View Profile Jul 07 1988

Banco Services, Inc.

Banco Services, Inc. became a new subsidiary organization for First Citizens State Bank.

View Profile Jun 06 1983

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Complete timeline for First Citizens State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Palmyra State Bank Seller 39,375 Pooling of Interests Discontinued 2/20/2016
Whitewater Investment, Inc. Seller Pooling of Interests Discontinued 12/31/2004
Relationships Role Relationship Start Relationship End
Whitewater Bancorp., Inc. Parent 11/14/1996
Whitewater Bancorp., Inc. Parent 12/31/1981 11/13/1996
Whitewater Bancorp., Inc. Parent 12/31/1980 12/30/1981
Whitewater Bancorp., Inc. Parent 7/10/1979 12/30/1980
Banco Services, Inc. Subsidary 6/30/2007
Banco Services, Inc. Subsidary 6/6/1983 6/29/2007
Whitewater Investment, Inc. Subsidary 12/18/1990 12/30/2004
Reo, Llc Subsidary 7/7/1988 8/31/2001
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