Vitals
  • Total Assets
    211.4M -1.5 %
  • Total Deposits
    188.7M -2.1 %
  • Total Net Loans
    113.3M -0.8 %
  • Net Income
    4.1M 8.6 %
  • Book Value
    22.4M 3.8 %
  • Book Value x2
    44.8M 3.8 %
  • Book Value x3
    67.3M 3.8 %
ROAA

1.853

ROAE

18.34

Efficiency Ratio

45.744

Net Interest Margin

3.296

Balance Sheet Highlights
Financial Highlights The Citizens First National Bank Of Storm Lake All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 211,433 198,346
Total Net Loans 113,303 133,864
Total Deposits 188,722 165,124
Total Equity 22,417 22,060
Profitability
Net Income 4,098 2,310
Return on Average Assets 1.853 1.15
Return on Average Equity 18.34 9.92
Net Interest Margin 3.296 3.587
Efficiency Ratio 45.744 60.34
Noninterest Income/Revenue 20.682 13.494
Balance Sheet Ratios
Loan-to-Deposit 60.037 77.091
Securities/Assets .388 .197
Total Equity/Total Assets .106 .111
Tangible Equity/Tangible Assets .106 .107
Capital Adequacy
Tier 1 Common Capital 22,988 21,135
Tier 1 Capital 22,988 21,140
Tier 2 Capital 1,151 1,625
Total Capital 24,139 22,777
Total Risk Weighted Assets 135,189 151,308
Leverage Ratio 10.44 10.944
Common Equity Tier 1 Capital Ratio 17 15.631
Tier 1 Capital Ratio 17 15.631
Total Capital Ratio 17.86 16.675

Timeline for The Citizens First National Bank Of Storm Lake

Fnc., Inc.

Fnc., Inc. became a new parent organization for The Citizens First National Bank Of Storm Lake.

View Profile Jan 01 2002

Early Savings Bank

Acquisition: The Citizens First National Bank Of Storm Lake acquired a new subsidiary, Early Savings Bank, 39 years

View Profile Nov 02 1985

Citizens Credit Corporation

Citizens Credit Corporation became a new subsidiary organization for The Citizens First National Bank Of Storm Lake.

View Profile Dec 31 1976

First National Company, The

First National Company, The became a new parent organization for The Citizens First National Bank Of Storm Lake.

View Profile Apr 17 1972

The Citizens First National Bank Of Storm Lake

The Citizens First National Bank Of Storm Lake was established 122 years ago and is currently headquartered in Storm Lake, IA.

Feb 01 1902
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Early Savings Bank Seller 12,890 Failure 11/2/1985
Relationships Role Relationship Start Relationship End
Fnc., Inc. Parent 1/1/2002
First National Company, The Parent 12/31/1973 12/31/2001
First National Company, The Parent 4/17/1972 12/30/1973
Citizens Credit Corporation Subsidary 6/30/2007
Citizens Credit Corporation Subsidary 6/1/2004 6/29/2007
Citizens Credit Corporation Subsidary 12/31/1976 8/31/2001
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