Vitals
  • Total Assets
    109.0M 10.1 %
  • Total Deposits
    97.4M 9.6 %
  • Total Net Loans
    64.0M 6.9 %
  • Net Income
    387000.0000 -51.6 %
  • Book Value
    10.7M 13.0 %
  • Book Value x2
    21.5M 13.0 %
  • Book Value x3
    32.2M 13.0 %
ROAA

.359

ROAE

3.871

Efficiency Ratio

87.894

Net Interest Margin

4.521

Balance Sheet Highlights
Financial Highlights Granite State Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 108,987 493,791
Total Net Loans 63,978 359,726
Total Deposits 97,358 385,971
Total Equity 10,732 56,759
Profitability
Net Income 387 18,291
Return on Average Assets .359 1.362
Return on Average Equity 3.871 12.96
Net Interest Margin 4.521 4.519
Efficiency Ratio 87.894 71.614
Noninterest Income/Revenue 9.626 18.151
Balance Sheet Ratios
Loan-to-Deposit 65.714 83
Securities/Assets .037 .618
Total Equity/Total Assets .098 .115
Tangible Equity/Tangible Assets .098 -.155
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 10,752 47,205
Tier 2 Capital 755 5,273
Total Capital 11,507 52,387
Total Risk Weighted Assets 73,513 377,037
Leverage Ratio 9.57 11.123
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.63 14.478
Total Capital Ratio 15.65 15.653

Timeline for Granite State Bank

Citizens Business Bank

Granite State Bank was acquired by Citizens Business Bank 19 years

View Profile Feb 26 2005

Granite State Bank

Granite State Bank was established 40 years ago and is currently headquartered in Monrovia, CA.

May 21 1984
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens Business Bank Buyer 8,038,664 Acquisition Discontinued 2/26/2005
Relationships Role Relationship Start Relationship End
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