Vitals
  • Total Assets
    34.0M 5.7 %
  • Total Deposits
    28.9M 4.7 %
  • Total Net Loans
    22.7M 24.2 %
  • Net Income
    324000.0000 290.4 %
  • Book Value
    4.6M 13.5 %
  • Book Value x2
    9.1M 13.5 %
  • Book Value x3
    13.6M 13.5 %
ROAA

1.204

ROAE

9.673

Efficiency Ratio

63.16

Net Interest Margin

2.491

Balance Sheet Highlights
Financial Highlights Spalding City Bank All Insured Commercial Banks in Nebraska
Balance Sheet $(000)
Total Assets 33,999 90,180
Total Net Loans 22,740 63,653
Total Deposits 28,948 71,397
Total Equity 4,550 9,411
Profitability
Net Income 324 1,460
Return on Average Assets 1.204 1.175
Return on Average Equity 9.673 10.866
Net Interest Margin 2.491 3.941
Efficiency Ratio 63.16 64.25
Noninterest Income/Revenue 6.433 9.593
Balance Sheet Ratios
Loan-to-Deposit 78.555 85.042
Securities/Assets .156 .451
Total Equity/Total Assets .134 .104
Tangible Equity/Tangible Assets .091 .003
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 3,097 8,994
Tier 2 Capital 176 788
Total Capital 3,273 9,773
Total Risk Weighted Assets 26,306 69,903
Leverage Ratio 9.35 10.852
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.77 14.985
Total Capital Ratio 12.44 16.114

Timeline for Spalding City Bank

Citizens State Bank

Spalding City Bank was acquired by Citizens State Bank 15 years

View Profile Oct 25 2008

Citizens National Corporation

Citizens National Corporation became a new parent organization for Spalding City Bank.

View Profile Dec 17 2007

Spalding City Corporation

Spalding City Corporation became a new parent organization for Spalding City Bank.

View Profile Jan 03 1977

Spalding City Bank

Spalding City Bank was established 122 years ago and is currently headquartered in Spalding, NE.

Jan 01 1902
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens State Bank Buyer 330,453 Pooling of Interests Discontinued 10/25/2008
Relationships Role Relationship Start Relationship End
Citizens National Corporation Parent 12/17/2007 10/24/2008
Spalding City Corporation Parent 1/3/1977 12/16/2007
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