Vitals
  • Total Assets
    436.2M 8.4 %
  • Total Deposits
    343.3M 5.0 %
  • Total Net Loans
    354.4M 8.3 %
  • Net Income
    4.7M 8.5 %
  • Book Value
    39.1M -0.7 %
  • Book Value x2
    78.3M -0.7 %
  • Book Value x3
    117.4M -0.7 %
ROAA

1.137

ROAE

12.033

Efficiency Ratio

62.146

Net Interest Margin

3.849

Balance Sheet Highlights
Financial Highlights The Citizens Savings Bank All Insured Commercial Banks in Ohio
Balance Sheet $(000)
Total Assets 436,236 361,398
Total Net Loans 354,380 246,196
Total Deposits 343,278 299,385
Total Equity 39,141 40,120
Profitability
Net Income 4,739 3,580
Return on Average Assets 1.137 .879
Return on Average Equity 12.033 7.888
Net Interest Margin 3.849 3.69
Efficiency Ratio 62.146 68.453
Noninterest Income/Revenue 17.419 19.831
Balance Sheet Ratios
Loan-to-Deposit 103.234 76.786
Securities/Assets .091 .197
Total Equity/Total Assets .09 .111
Tangible Equity/Tangible Assets .09 .102
Capital Adequacy
Tier 1 Common Capital 39,460 37,120
Tier 1 Capital 39,460 37,403
Tier 2 Capital 2,341 2,742
Total Capital 41,801 40,139
Total Risk Weighted Assets 354,781 260,858
Leverage Ratio 9.26 10.639
Common Equity Tier 1 Capital Ratio 11.12 16.715
Tier 1 Capital Ratio 11.12 16.742
Total Capital Ratio 11.78 17.824

Timeline for The Citizens Savings Bank

Ameribank, Inc.

Acquisition: The Citizens Savings Bank acquired a new subsidiary, Ameribank, Inc., 15 years

View Profile Sep 20 2008

The Glouster Community Bank

Acquisition: The Citizens Savings Bank acquired a new subsidiary, The Glouster Community Bank, 16 years

View Profile Jul 01 2007

The Citizens-State Bank Of Strasburg

Acquisition: The Citizens Savings Bank acquired a new subsidiary, The Citizens-State Bank Of Strasburg, 25 years

View Profile Apr 22 1999

United Bancorp, Inc.

United Bancorp, Inc. became a new parent organization for The Citizens Savings Bank.

View Profile Jan 03 1984

The Citizens Savings Bank

The Citizens Savings Bank was established 122 years ago and is currently headquartered in Martins Ferry, OH.

Jan 01 1902
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Ameribank, Inc. Seller 103,965 Failure 9/20/2008
The Glouster Community Bank Seller 110,715 Pooling of Interests Discontinued 7/1/2007
The Citizens-State Bank Of Strasburg Seller 74,156 Pooling of Interests Discontinued 4/22/1999
Relationships Role Relationship Start Relationship End
United Bancorp, Inc. Parent 1/3/1984
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