Vitals
  • Total Assets
    52.8M -0.9 %
  • Total Deposits
    46.1M -1.2 %
  • Total Net Loans
    14.1M 5.4 %
  • Net Income
    204000.0000 9.7 %
  • Book Value
    6.7M 0.2 %
  • Book Value x2
    13.4M 0.2 %
  • Book Value x3
    20.1M 0.2 %
ROAA

.374

ROAE

2.961

Efficiency Ratio

81.519

Net Interest Margin

3.26

Balance Sheet Highlights
Financial Highlights The Citizens State Bank Of Ontonagon All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 52,842 330,697
Total Net Loans 14,131 227,599
Total Deposits 46,071 278,247
Total Equity 6,708 33,935
Profitability
Net Income 204 3,589
Return on Average Assets .374 .954
Return on Average Equity 2.961 8.772
Net Interest Margin 3.26 3.821
Efficiency Ratio 81.519 71.925
Noninterest Income/Revenue 9.833 24.061
Balance Sheet Ratios
Loan-to-Deposit 30.672 76.845
Securities/Assets .364 .16
Total Equity/Total Assets .127 .103
Tangible Equity/Tangible Assets .127 .098
Capital Adequacy
Tier 1 Common Capital 6,495 32,553
Tier 1 Capital 6,495 32,664
Tier 2 Capital 216 2,479
Total Capital 6,711 35,133
Total Risk Weighted Assets 17,055 242,208
Leverage Ratio 12.05 10.341
Common Equity Tier 1 Capital Ratio 38.08 15.339
Tier 1 Capital Ratio 38.08 15.393
Total Capital Ratio 39.35 16.423

Timeline for The Citizens State Bank Of Ontonagon

Citizens Plus Services, Inc.

Citizens Plus Services, Inc. became a new subsidiary organization for The Citizens State Bank Of Ontonagon.

View Profile Jan 29 1997

Citizens Bancshares, Inc.

Citizens Bancshares, Inc. became a new parent organization for The Citizens State Bank Of Ontonagon.

View Profile Aug 30 1984

The Citizens State Bank Of Ontonagon

The Citizens State Bank Of Ontonagon was established 113 years ago and is currently headquartered in Ontonagon, MI.

Dec 06 1910
Relationships Role Relationship Start Relationship End
Citizens Bancshares, Inc. Parent 12/31/1989
Citizens Bancshares, Inc. Parent 8/30/1984 12/30/1989
Citizens Plus Services, Inc. Subsidary 6/30/2007
Citizens Plus Services, Inc. Subsidary 1/29/1997 6/29/2007
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